Six AI ad creators in one monthly price table, what credits and caps limit, and a cost per usable ad worked example. Prices as of November 2026.
AI ad creators cost between $10 and $999 a month on the self-serve plans we checked in November 2026, and the number on the pricing page rarely tells you the cost of one usable ad. Madgicx plans are priced by your monthly ad spend and start at $45 a month, with a 7-day free trial. Other tools charge by credit, by monthly generation count, by seats and brand spaces, or by a share of the spend they manage.
This guide puts six tools in one price table, explains what credits and caps actually limit, and works through a cost per usable ad with clearly labeled assumptions. Prices and plan details were checked in November 2026, so confirm them on each vendor's site before you buy.
Plans start at $45 a month, priced by ad spend.
Five ways AI ad creators charge
- By your ad spend. The plan tier follows how much you spend on ads each month. Madgicx works this way.
- By credits. You buy a monthly pool and spend it on creating or downloading ads. AdCreative.ai uses credits when you download an ad, and Arcads sells monthly credits.
- By monthly generations. You get a fixed number of generations a month. Pencil sells 50 on Core and 250 on Growth.
- By credits, seats and brand spaces together. Creatify sets plans by all three, not by ad spend.
- By a flat fee plus a share of managed spend. Ryze AI charges a flat monthly plan, and campaigns it runs for you add a percentage of the spend it manages.
Madgicx first: plans by ad spend from $45 a month
Madgicx plans are priced by monthly ad spend and start at $45 a month, with monthly, quarterly and annual billing. The first step is the 7-day free trial, which lets you make ads and see the result in your own account before paying. Current prices are on the Madgicx pricing page.
The AI Ad Generator creates image ads from a prompt, an image or any ad in the Meta Ad Library, ready to edit and use. It makes image ads only, not video, so if you need talking-actor video, one of the video tools below fits that job. Creative Insights breaks down every creative to show what makes winning ads win and flags creative fatigue, which tells you when to make the next batch.
Monthly price table by tool
| Tool | Entry price (Nov 2026) | How you pay | Trial or free option |
|---|---|---|---|
| Madgicx | From $45 a month | Plans by monthly ad spend; monthly, quarterly or annual billing | 7-day free trial |
| AdCreative.ai | Starter $39 a month | Credits used when you download an ad: Starter $39, Professional $249, Ultimate $999 | 7-day free trial with 20 credits; no free plan seen |
| Pencil | Core $14 a month | Monthly generations: Core $14 (50), Growth $55 (250); Pro is custom | No trial of the full platform; a guided sign-up makes six ads at no cost |
| Creatify | Standard $10 a month | Credits, seats and brand spaces: Standard $10, Pro $38, Max $66, Business $136 | A free plan with 10 credits a month and watermarked exports |
| Arcads | No public dollar prices | Monthly credits: Starter 8,000, Creator 16,000, Pro 48,000, Scale 96,000, Business 192,000 | 72-hour trial with 1,000 credits; a card is required but not charged during it |
| Ryze AI | Paid Ads $89 a month | Flat plan ($89 Paid Ads, $279 Agency), plus 5% of managed spend, falling to 0.8% as the daily budget grows, for campaigns it runs for you | 7-day free trial on both plans |
For head-to-head detail, see our comparisons of AdCreative.ai and Pencil and AdCreative.ai and Creatify, and our Ryze AI review.
What credits and caps really limit
AdCreative.ai
Credits are used when you download an ad, and plans also differ by brands and users: Starter has 1 user, Professional 10 and Ultimate 20. Starter includes 20 credits, the same amount as the free trial. Its own pricing page returned an error when we checked, so its plans come from its home page, whose pricing sections disagree in places.
Pencil
Core gives 50 generations and 1 workspace; Growth gives 250 generations and unlimited workspaces. Unlimited generations come only on the sales-only Pro plan. Its pricing table marks almost every feature as not yet released, so we could not tell what each plan includes, and ask Pencil which plan covers video before you rely on it.
Creatify
Plans grow by credits, seats and brand spaces, not ad spend. Each price sits beside a crossed-out list price, and credits expire after 2 months on paid plans. Standard has 55 credits and 1 seat; Pro has 280 credits and 2 seats and adds ad tools such as a tracker and ad clone. The free plan's 10 credits are about 2 video ads or 20 image ads.
Arcads
Credits fall from 192,000 a month on Business to 8,000 on Starter, and higher plans add API access, team seats and custom actors. With no public dollar prices, you need a quote or a trial to compare it with the others.
Ryze AI
The Paid Ads plan stays at $89 whatever you spend. Campaigns Ryze AI runs for you add a share of managed spend, each workspace has a monthly credit cap, and its 30% annual discount covers the first year only.
Cost per usable ad: a worked example
A price per generation is not a price per usable ad. A usable ad is one you would actually put in front of customers: it matches your offer, passes Meta's placement requirements and has no errors. On aspect ratios, for example, Meta says Facebook Feed supports 1.91:1, 16:9, 1:1 and 4:5 with 4:5 recommended, while Instagram Stories and Facebook Stories recommend 2:3 and Instagram Reels recommends 9:16. An ad in the wrong shape needs editing or another generation.
The figures below use one assumption: you keep 1 in 4 of what a tool generates. That ratio is invented for the example. Replace it with your own after your first week.
| Plan | Cost per generation | Cost per usable ad (1 in 4 kept) |
|---|---|---|
| Pencil Core, $14 for 50 generations | $0.28 | $1.12 |
| Pencil Growth, $55 for 250 generations | $0.22 | $0.88 |
| Creatify Standard, $10 for 55 credits | About $0.09 for an image ad | About $0.36 |
| AdCreative.ai Starter, $39 for 20 credits | $1.95 per credit, used on download | $1.95 if you download only ads you will use |
How to read it:
- Creatify: its free plan's 10 credits make about 20 image ads, so we assumed half a credit per image ad on Standard too. $10 divided by 110 ads is about $0.09. Check the credit cost for your format.
- AdCreative.ai: credits are spent on download, so you generate freely and pay for the ads you keep. We assumed one credit per downloaded ad, which you should confirm on its pricing page.
- Ryze AI: the $89 plan covers the tool. If campaigns it runs for you are on, the top rate of 5% on $10,000 of managed spend adds $500 a month, and the rate falls as the daily budget grows.
- Madgicx: plans are priced by ad spend, not per ad, so we show no per-ad figure. Check the pricing page for what your plan includes.
The cheapest line is not always the best. A tool that makes video you do not need costs you credits for formats you will not run, and a tool that scores low on fit costs you review time. Our guide to AI for Meta ads covers how these tools fit into a wider workflow.
Hidden costs to check before you pay
- Expiring credits. Creatify credits expire after 2 months on paid plans, so unused credits are not a stockpile.
- List prices. Creatify shows each price beside a higher list price and does not say which one is for monthly billing. Read the checkout page.
- Caps per workspace. Ryze AI gives each workspace a monthly credit cap, and its 30% annual discount covers the first year only.
- Trials that convert. Arcads asks for a card during its 72-hour trial, and Starter begins after 72 hours unless you cancel.
- Seats and brands. AdCreative.ai plans differ by brands and users, so an agency with several clients may land on a higher tier than a single store would.
- Review time. Every ad you reject still costs time. A cheap plan with a low keep rate can cost more than a pricier one that gets you usable ads sooner.
Which plan fits which team
- A store spending on Meta every month and wanting image ads plus insight: try Madgicx free for 7 days. The plan scales with your ad spend, and Creative Insights shows which ads to repeat.
- A team that needs a few ads a month on a tight budget: Pencil Core or Creatify Standard have the lowest entry prices in this table.
- A team making video and UGC-style ads at volume: Creatify and Arcads are built for it. Creatify prices by credits, seats and brand spaces; Arcads shows credits but no dollar prices.
- A team that wants scores on ads before launch: AdCreative.ai scores creatives before launch, though its accuracy figure is its own claim.
- An agency across many ad platforms: Ryze AI's Agency plan is $279 a month with unlimited client workspaces and white label, and it lists eight ad platforms.
Test AI ad creation on your own ad account
Creating ads is cheap at any price in this table. The real cost is what you do with them. In Madgicx, the AI Ad Generator makes image ads from a prompt, an image or a reference ad in the Meta Ad Library, and Creative Insights then shows how they perform and when they tire, so you spend your next batch on what works.
FAQ
How much do AI ad creators cost per month?
In November 2026, entry plans ran from $10 a month (Creatify Standard) to $89 (Ryze AI Paid Ads), and top self-serve tiers reached $999 (AdCreative.ai Ultimate). Madgicx plans are priced by ad spend and start at $45 a month.
Is there a free AI ad creator?
Creatify has a free plan with 10 credits a month and watermarked exports. Madgicx offers a 7-day free trial, as do AdCreative.ai and Ryze AI.
What is a credit in an AI ad tool?
A credit is a unit you spend on creating or downloading ads. AdCreative.ai spends one when you download an ad, and Creatify and Arcads sell monthly credit pools. How many ads a credit buys differs by tool and format.
Why do some AI ad tools not show prices?
Arcads shows monthly credits for each plan but no dollar prices on its public pages, and Pencil sells its Pro plan through a demo. Ask for a quote before you compare these with a flat monthly price.
Does Madgicx make video ads?
No. Madgicx's AI Ad Generator creates image ads from a prompt, an image or an ad in the Meta Ad Library.
How do I compare AI ad creator prices fairly?
Work out cost per usable ad: divide the plan price by the number of ads you actually keep. Count only ads that fit Meta's placement sizes and your offer, and compare at the volume you really need.
