/how-our-pricing-works
One price per plan. Monthly or annual. Zero overage.
No per-seat billing, no regional games. You pick a plan, pay monthly or annually, and AI runs on a transparent credit allowance that pauses instead of overcharging. Here's the whole model.
The whole model, in three lines
flat by plan
Solo is for a single advisor, Studio covers up to five, Agency and Enterprise are unlimited. The bill follows the business, not the headcount — and it's the same price wherever you run from.
monthly or annual
Pay monthly, or pay annually and save ~8% — you pay for roughly 11 months and use 12. Start monthly and switch to annual whenever it makes sense; nothing is locked behind a longer commitment.
global AI credits
Each plan includes a monthly AI credit allowance. Run out and AI features pause — the rest of the product keeps working, and you can top up without upgrading your plan. Zero overage, ever.
What's the difference between monthly and annual?
Same plan, same features — only the billing cadence changes. Annual is about 8% cheaper than twelve monthly payments: you pay for roughly eleven months and use twelve. You can start on monthly and move to annual at any time.
Why don't you charge per-seat?
Because per-seat billing punishes agencies for hiring. You end up sharing a single login across multiple advisors, lying to your CRM about who did what, and pretending you're a smaller team than you are. Flat plans mean the billing follows the business, not the headcount: Solo is for a single advisor, Studio covers up to five, and Agency and Enterprise are both unlimited.
Why are AI credits priced separately?
We pay OpenAI per-token in US dollars, and that cost is the same whether you're in New York or Nairobi — so AI credits are one global price for everyone. Each plan includes a monthly allowance; a busy month never forces you onto a bigger plan, because you can buy one-off top-up packs that drop straight into your wallet.
Price changes, grandfathering, and trust
Any price change is announced at least 90 days in advance to existing subscribers, and — unless we explicitly note otherwise — it doesn't apply to you. You lock the rate on the day you subscribe; the price listed on the pricing page is the one new sign-ups pay, not the one you pay.
Which countries can sign up?
Almost everywhere. The only exception is the small set of embargoed countries we can't lawfully serve under the US OFAC baseline (Belarus, Cuba, Iran, North Korea, Sudan, South Sudan, Syria, Venezuela). If that's you, you'll see a clear message at signup rather than a surprise refusal after checkout.
Pricing questions we didn't cover? Email support@lydira.com — a human replies within a day.
See the plans →