Best Annual Deal on an AI Clip Tool in 2026: Yearly Prices Compared

Almost every AI clip tool now pushes you toward a yearly plan, with discounts from about 37% to 60% off the monthly price. The headline number is the least useful part. What matters is what one year actually buys you: how much you can clip each month, how long each source can be, whether the allowance arrives all at once or month by month, and what happens if you stop using it.

Disclosure: I build Katto. Every competitor figure below was read on the company's own pricing page or help center on 12 November 2026, in US dollars. Katto is priced in euros. Where a page did not say something, or did not display it legibly, I write "not stated" instead of guessing.

Annual prices side by side

Tool and plan	Monthly billing	Billed yearly (per month)	Charged once a year	What one month includes	Longest source
Ssemble Pro	$15	$6	$72	360 credits a year; 1 credit = one video, up to a 20-minute segment	20-minute segment per input
Reap Creator	Not labelled ($24 shown struck through)	$9.99	$119.88	10 hours of source for clipping, 2 hours of dubbing	Not stated on the pricing page
Submagic Starter	$19	$12 per member	Not stated (12 x $12 = $144)	45 credits = 15 videos or 5 Magic Clips	2 minutes
Klap Basic	$29	$14.50	$174	100 clips (each short generated counts as one)	3 hours
OpusClip Pro	$29	Not stated on the pricing page	Not stated	300 processing minutes (3,600 a year)	10 hours
Vizard Creator	Not legible today	Not legible today ("50% off" yearly)	Not legible today	From 600 credits; 1 credit = 1 minute of video	600 minutes
Katto Solo	EUR 8.90	EUR 4.90	EUR 58.80	10 videos	60 minutes
Katto Creator	EUR 14.90	EUR 11.90	EUR 142.80	25 videos, plus AI dubbing	90 minutes

Bigger tiers exist for every tool (Klap Pro and Pro+, Reap Studio, Submagic Pro and Business, Ssemble Expert and Business). The pattern holds: the discount percentage stays roughly the same and the allowance grows.

Four things the discount does not tell you

1. What is being counted

The tools above meter in five different units: clips (Klap), hours of source (Reap), minutes of source (OpusClip, Vizard), credits that map to videos or Magic Clips (Submagic, Ssemble) and videos (Katto). A long podcast eats an hour-based or minute-based plan quickly, while a clip-based plan does not care about length but counts every short you generate. Pick the unit that matches what you actually do.

2. The longest source you can feed it

A cheap annual plan is no deal if your videos do not fit. Submagic Starter caps videos at 2 minutes (5 on Pro, 30 on Business). Ssemble lets you select up to a 20-minute segment of each input. Katto caps sources at 60 minutes on Solo and 90 on Creator. OpusClip (10 hours), Vizard (600 minutes) and Klap (3 hours) take much longer sources.

3. Whether you get the year upfront

Klap is explicit: "Yearly plans get the whole year's clips at once: 1,200, 3,600 or 12,000." That suits bursty schedules. Reap says purchased credits "expire in 13 months". Ssemble's FAQ says credits "reset each billing cycle and don't roll over", without saying whether a yearly plan drips monthly. On Katto the allowance is monthly on yearly plans too: 10 or 25 videos each month. OpusClip, Vizard and Submagic do not state it on the pages we read.

4. Getting money back

Only Klap states a refund rule on its pricing page: a full refund in the first month of a yearly plan, then 1/12 of the price for each full unused month, up to the last 3 in a row. The other pricing pages we read do not state one. If that matters to you, ask before paying for a year.

Worked example: 4 one-hour videos a month

Say you publish one 60-minute episode a week and want about 10 clips from each. That is 4 hours of source and around 40 clips a month. Here is what the cheapest annual tier gives you, and the cost per episode:

• Ssemble Pro, $6/month: each input covers up to a 20-minute segment, so a full hour means three runs, 12 credits a month out of the 30 a month that 360 a year works out to. About $1.50 per episode, if three segments per episode work for you.
• Reap Creator, $9.99/month: 4 hours out of 10. About $2.50 per episode.
• Klap Basic, $14.50/month: 40 clips out of 100, length does not count. About $3.63 per episode.
• OpusClip Pro: 240 minutes out of 300. The yearly price is not on the pricing page; on monthly billing ($29) it is $7.25 per episode.
• Vizard Creator: 240 credits out of at least 600. The price did not render on the page today, so we cannot compute it.
• Submagic: a 60-minute video is over the 30-minute cap of the largest plan with a public price (Business), so it does not fit as stated.
• Katto Solo, EUR 4.90/month: 4 videos out of 10, each under the 60-minute cap. About EUR 1.23 per episode. Creator (EUR 11.90) would be about EUR 2.98 per episode, with room for 25 videos and dubbing.

Change the shape and the ranking changes. Twenty short videos a month would break Katto Solo's 10-video quota and favour Klap or Reap. Three-hour streams rule out Katto and Ssemble's single-segment approach entirely.

When a yearly plan is a bad idea

• You have not tested the output. Run your own videos through the free tier or trial first. Katto Creator has a 7-day trial; Solo starts paid, and the Free plan gives 2 videos a month (up to 30 minutes, 720p, watermark).
• Your volume is irregular. Klap's upfront year of clips or its per-use API is kinder to irregular output than a monthly allowance that resets.
• Your format may change. If you might move from 20-minute videos to 2-hour podcasts, the source cap matters more than the discount.

FAQ

Which AI clip tool has the cheapest annual plan?

On 12 November 2026, Ssemble Pro was $6/month billed yearly and Katto Solo EUR 4.90/month; the other entry-level yearly plans we checked started at $9.99 or more. Both of those cap source length (a 20-minute segment for Ssemble, 60 minutes for Katto Solo), and prices change often, so check the pricing page on the day you buy.

Do unused credits carry over on yearly plans?

It depends. Klap gives the whole year at once. Ssemble says credits reset each billing cycle. Katto's video quota resets each month. Others do not state it.

Can I switch from monthly to yearly later?

Usually yes, and starting monthly is a reasonable way to test a tool for a month before committing. See every plan and its limits on Katto's pricing page, and how the tools compare feature by feature in our AI video clippers comparison.