AI Video Clippers That Don't Use Credits (2026): How Each Tool Meters You

"Credits" can mean almost anything. In one AI clip tool a credit is a minute of your source video, in another it is a share of a video, and in a third it pays for AI features on top of a separate minutes allowance. So when people search for AI video clippers that don't use credits, what they usually want is a plan they can read in one line: how many of my videos does this cover each month?

Disclosure: I build Katto, which counts videos rather than credits. Every competitor figure below comes from the company's own pricing or help pages, read on 13 November 2026, in US dollars. Katto is priced in euros, and its facts come from our own code. When a page did not state something, I say so.

The five ways clip tools meter you

Unit	Tools	What one unit is	What eats your allowance fastest
Minutes of source	OpusClip, Descript	OpusClip: "1 credit per minute of the original video imported". Descript: media minutes imported or recorded	Long recordings
Hours of source	Reap	"Each video's length counts toward your monthly upload limit, regardless of how many clips are generated from it"	Long recordings
Clips	Klap	"Each short Klap generates counts as one clip"; source length does not count	Asking for many clips per video
Credits mapped to videos	Submagic, Ssemble	Submagic: 45 credits = 15 videos or 5 Magic Clips. Ssemble: "1 Credit per video (20 minutes)"	Magic Clips runs (Submagic); sources longer than 20 minutes (Ssemble)
Videos	Katto	One video up to the plan's length cap (30, 60 or 90 minutes)	Many short videos; long Twitch or Kick streams count one video per 90 minutes started

Vizard and Veed also use credits. Vizard's plans show monthly credits (60 free, 600 to 6,200 on Creator), and Veed's AI credits pay for AI generations, but neither page showed per-plan prices legibly when we checked, so they are left out of the example below.

Cheapest paid plan of each, billed monthly

Tool and plan	Price per month	Monthly allowance	Longest source	Unused allowance
OpusClip Starter	$15	150 processing minutes	Not stated per plan (10 hours system-wide)	Rolls over one extra month ("expire in 60 days")
Ssemble Pro	$15 ($6 billed yearly)	360 credits a year, one per video of up to a 20-minute segment	20-minute segment per input	"Reset each billing cycle and don't roll over"
Submagic Starter	$19 ($12 billed yearly)	45 credits = 15 videos or 5 Magic Clips	2 minutes	Not stated
Reap Creator	$24 shown struck through, $9.99 billed yearly	10 hours of source	Not stated	Not stated for monthly hours
Descript Hobbyist	$24 or $16 per person (the page did not label which is yearly)	600 media minutes and 400 AI credits	Not stated	Not stated
Klap Basic	$29 ($14.50 billed yearly)	100 clips	3 hours	"Your clips refill every billing period"
Katto Solo	EUR 8.90 (EUR 4.90 billed yearly)	10 videos	60 minutes; Twitch and Kick streams up to 4 hours	Resets monthly

A worked month: six 45-minute videos, 10 clips each

That is 270 minutes (4.5 hours) of source and 60 clips.

• OpusClip: 270 minutes. Starter's 150 does not cover it; Pro ($29, 300 minutes) does, with 30 minutes to spare.
• Reap: 4.5 hours out of Creator's 10.
• Klap: 60 clips out of Basic's 100, at $29 a month. Asking for 20 clips per video would need 120, more than Basic includes.
• Ssemble: each input covers a 20-minute segment, so a full 45-minute video takes three runs: 18 credits, inside the 30 a month that 360 a year works out to.
• Descript: 270 media minutes out of 600, plus AI credits for each Create Clips run.
• Submagic: a 45-minute video is over the 30-minute cap of its largest priced plan, so it does not fit as stated.
• Katto: 6 videos out of Solo's 10, each under 60 minutes, at EUR 8.90 a month. Ten clips per video or twenty makes no difference to the count, and asking for more clips from a finished video does not use quota.

Now change one thing: one of those six is a 3-hour Twitch stream. On OpusClip it costs 180 minutes, on Reap 3 hours, on Klap nothing extra beyond the clips. On Katto a paid plan counts it as 2 videos (one per 90 minutes started), or 1 video if you choose a passage of up to 60 minutes on Solo or 90 on Creator. "Per video" is simpler to read, but it is not unlimited.

Things that cost extra even on "no credit" plans

• AI features on a separate meter. Descript's AI credits sit on top of media minutes. OpusClip charges 3 credits per clip per account for posting to X.
• Dubbing. Reap Creator includes 2 hours of dubbing and translation a month. On Katto, dubbing is a Creator feature with 20 dubs per 30 days.
• Length caps. A per-video plan only works if your videos fit: Katto takes up to 30 minutes free, 60 on Solo and 90 on Creator, plus Twitch and Kick streams up to 4 hours on paid plans.

Which metering fits you

• Few long recordings (podcasts, streams): a clip-based plan like Klap's, or a per-video plan if your episodes fit the length cap.
• Many short videos: minute- or hour-based plans (Reap, OpusClip) waste nothing on length.
• You want a bill you can predict without a calculator: per-video (Katto) or per-clip (Klap).

Whatever you pick, run two or three of your real videos through the free tier or trial before paying. Katto's free plan covers 2 videos a month up to 30 minutes (720p, watermark), and Creator has a 7-day trial.

FAQ

Which AI video clippers don't use credits?

Among the tools we checked, Klap counts clips and Katto counts videos. Reap counts hours of source video. OpusClip calls its unit credits but defines one as a minute of source.

Does a longer video cost more on Katto?

Not up to your plan's cap: a 5-minute and a 55-minute video each count as one video on Solo. Twitch and Kick streams over 90 minutes count one video per 90 minutes started, unless you choose a passage.

Do unused credits roll over?

OpusClip's monthly credits last one extra month and Vizard shows a 2-month rollover. Ssemble says credits do not roll over. Klap refills each period. Katto's video quota resets each month.

For the full plan limits, see Katto pricing. For yearly prices across the same tools, see our annual plans comparison.