Monica Max costs $16.60/mo billed yearly, but agents, Deep Research and video burn separate Advanced Credits.
Monica AI's plans start at Free ($0), Monica Pro ($8.30 a month billed yearly at $99), Monica Max (formerly Unlimited, $16.60 a month billed yearly at $199), and Ultra ($82.90 a month billed yearly at $995) (checked 12 November 2026). Advanced models are capped at 200 queries a month on Pro, and even on Max, Deep Research, slides, Image Studio, Browser Operator and image and video generation draw from a separate pool of Advanced Credits (1,500 on Pro, 4,500 on Max, 20,000 on Ultra). By comparison, Zemith Plus provides 1.5M transparent unified credits for $15.99 a month with zero model restrictions.
Zemith Plus replaces two-tier quota systems with 1.5M transparent unified credits for $15.99/mo.
- Plus is $15.99/month ($179.88/year) for 1.5M monthly credits across GPT, Claude, Gemini, Grok, DeepSeek, Qwen and Perplexity Sonar.
- Professional is $29.99/month ($299.88/year) with 3M credits, Claude Opus, GPT 6 Sol & Astra, Gemini 4 Argon, and background Cloud agents.
- Every model and tool draws from the same unified credit pool, no separate 'Advanced Credits' wall when using flagship reasoning.
- Includes Creative Studio with Flux 2, Nano Banana, Veo 3.1 and Kling without paying for separate image or video packages.
Monica Max $16.60/mo + $10/4,000 Advanced Credit pack
1.5M credits · All flagship chat models + Creative Studio + Library
Free plan · $0 today · Cancel anytime
Every reasoning, research, image and video tool draws from one predictable monthly credit allowance.
At every tier, here is what Monica AI costs versus Zemith.
Published US prices and plan allowances as of 12 November 2026.
| Tier | Monica Plan | Zemith Equivalent | Monthly Savings on Zemith |
|---|---|---|---|
Free tier Quick casual browser queries | $0/mo (Free tier: strictly throttled basic queries) | $0/mo (1,100 credits/day, 4 fast models, no card required) | $0 |
Everyday individual / Pro Multi-model chat + basic tools | $8.30/mo billed yearly, $99/yr (Monica Pro, 200 advanced queries/month) | $15.99/mo (Zemith Plus: 1.5M credits, GPT, Claude, Gemini, Grok + Creative Studio) | Matches price while adding full Creative Studio, Library & Office files |
Heavy user & agents High-volume reasoning & background workflows | $16.60/mo billed yearly (Monica Max) or $82.90/mo billed yearly (Ultra), plus Advanced Credit top-ups | $29.99/mo (Zemith Professional: 3M credits, Claude Opus, GPT 6 Sol, 35 Cloud agents) | Save up to $52.91/mo vs Monica Ultra with true background automation |
Our verdict: Monica's 'Unlimited' tier comes with an asterisk, while Zemith Plus provides honest transparent pricing.
- Monica Pro is $8.30/mo ($99/yr) and Max (formerly Unlimited) is $16.60/mo ($199/yr), but Deep Research, agents and creative tools draw from separate Advanced Credits that need top-ups.
- Zemith Plus is $15.99/month (or $179.88/year) with 1.5M credits covering all flagship models, Creative Studio, Library, and downloadable Office files.
- Zemith Professional is $29.99/month with 3M credits and scheduled Cloud agents, costing less than half of Monica Ultra ($82/mo).
- Explore our complete Multi-model AI chat platform, or read what real users say about Monica below.
Frequently asked questions about Monica AI pricing.
How much does Monica AI cost per month in 2026?
As of November 2026, Monica AI offers a Free tier ($0), Monica Pro ($8.30/mo billed yearly at $99), Monica Max (formerly Unlimited, $16.60/mo billed yearly at $199) and Ultra ($82.90/mo billed yearly at $995). Advanced Credits are 1,500 on Pro, 4,500 on Max and 20,000 on Ultra.
What is the difference between Monica standard queries and Advanced Credits?
Standard queries power lighter, everyday models. On Pro, advanced models are capped at 200 queries a month; on Max and Ultra they are unlimited, but Deep Research, slides, Image Studio, Browser Operator and AI image/video generation draw from Advanced Credits (1,500 on Pro, 4,500 on Max, 20,000 on Ultra), so heavy users still run out and need top-ups.
Why is Zemith Plus a better value than Monica Max?
Zemith Plus costs $15.99/month ($14.99/mo billed yearly) and gives you 1.5M credits that can be spent on any model or feature without artificial tiers. It also includes full-screen FocusOS, cloud file generation (DOCX, PPTX, XLSX), 50-source study notebooks, and Creative Studio image and video tools.
Replace confusing credit tiers with one honest Zemith plan starting at $0 today.
See Zemith plansRead these next to compare the other tools.
Founder of Zemith, the all-in-one AI workspace built for people who use GPT, Claude, Gemini, Grok and Creative Studio every day.
I spend my weeks testing model releases, pricing structures and real document, research and creative workflows across Web, iOS and Android.