Gamma Pricing 2026: Free Credits Never Refresh

Gamma pricing in 2026 runs $0 Free, $10/month Plus, $20/month Pro, and $100/month Ultra, with annual billing cheaper (Gamma advertises up to 28% off). The catch is the credit model: the Free plan gives 400 AI credits that never refresh, so most people hit a wall after roughly 10 AI decks. Only paid plans get monthly refreshing credits (1,000 Plus, 4,000 Pro, 20,000 Ultra).

Gamma is one of the most-used AI tools of 2026 — 70+ million users and $100M+ ARR by its November 2025 Series B at a $2.1B valuation, per Gamma's own announcements. It turns a prompt, outline or pasted file into a presentation, document, website or social post. The product reviews well. The billing is where people get burned. Here is exactly what each plan costs and where the traps sit, based on Gamma's pricing page and help center as of July 2026.

How much does Gamma cost in 2026?

Gamma has four individual plans in 2026: Free at $0, Plus at $10/month, Pro at $20/month, and Ultra at $100/month, all on monthly billing, with annual billing lowering the effective rate (Gamma advertises up to 28% off). Two team plans sit above them — Team and Business — which are annual-only with seat minimums. The price you see is the easy part; the credit allowance attached to each plan is what actually decides your cost.

Prices and limits change often — verify on the official pricing page before deciding.

What is the catch with Gamma's free plan?

The catch with Gamma's Free plan is that its 400 AI credits are a one-time grant that never refreshes. On Free, every AI action costs credits — roughly 40 to generate a deck, 10 per AI image, 5 per added card, 10 per chat suggestion. That works out to about 10 full AI deck generations before the 400 run dry. After that, your only options are referring friends (200 credits each, capped at 2,000 lifetime), upgrading, or dropping the AI features entirely.

Free also keeps the "Made with Gamma" badge on every share and export, caps you at 10 cards per prompt, limits you to 50,000 input tokens per generation, and restricts you to basic image models. Import from PDF and PPTX and export to PDF, PPTX, PNG and Google Slides all work on Free — so it is a fine way to test the tool. Just do not plan a workflow around it. Reddit threads aggregated across hundreds of comments in 2026 describe Gamma Free the same way: more of an extended trial than a free tier.

How do Gamma credits work on paid plans?

On paid Gamma plans, credits behave the opposite way to Free: only three things spend them — the Agent (post-generation edits), Ultra-tier AI models, and API calls. Standard-model presentations and standard images are included in the plan at no credit cost. That single distinction, buried in Gamma's help center rather than the pricing page, is why most Pro users never get close to their 4,000-credit ceiling in a normal month.

Unused credits roll over, but only up to twice the plan size. Plus tops out at 2,000 banked credits, Pro at 8,000, Ultra at 40,000 — anything above the cap evaporates. Annual plans do not drop a year of credits at once either; they drip the monthly allowance on your billing date. If you need more mid-month, Gamma sells top-ups at $6 per 1,500 credits, though Free users cannot buy credits at all — they have to upgrade first.

Which Gamma plan should a solopreneur pick?

For most solopreneurs, Gamma Pro at $20/month is the right plan, and Gamma flags it as "Most popular" for a reason. Pro is the first tier with custom branding and fonts, detailed share analytics, up to 10 custom domains, workspace templates, and — the big one for automators — API access. If you wire Gamma into a Zapier, Make or n8n workflow, Pro is your entry point.

Plus at $10/month makes sense only if the single thing you want is the watermark gone and you ship mostly internal decks. It has no custom branding, so client-facing work outgrows it fast. Ultra at $100/month is a headroom-and-models play, not a discount — the cost per 1,000 credits is the same $5 as Pro, so only buy Ultra if you genuinely burn the most advanced image and video models or push heavy API volume. Team and Business plans are annual-only with 2- and 10-seat minimums, so a solo operator should stay on Pro rather than jump to Team for one extra credit bump.

What is the Gamma refund trap?

The Gamma refund trap is a three-day window. Effective December 1, 2025, Gamma refunds only within the first three days of subscribing, and only if you have used less than a small per-plan share of your credits (roughly 10 to 20 percent). After day three there is no refund — and that rule now applies to annual plans too. Pay for a year, forget about it, and try to claw back the unused months later, and you will be told the window has closed.

That one policy is why Gamma's Trustpilot score sits around 1.7–1.9 out of 5 even though the product scores 4.3 on G2 and 4.5 on Product Hunt. The complaints are about billing and refunds, not the decks. Cancelling on its own never triggers a refund, and cancelling drops you back to Free — where any balance above 400 credits, including purchased ones, is wiped. The safe play: run one month of monthly Pro to learn your real credit burn before you ever commit to an annual charge.

Gamma pricing FAQ

Is Gamma actually free in 2026?

Gamma's Free plan is free, but it hands you 400 AI credits at signup that never refresh. Every AI action on Free spends credits: about 40 to generate a deck, 10 per AI image, 5 per added card. Most people burn the 400 in their first session or two. After that it is referrals, an upgrade, or no more AI. For a single one-off deck, Free works; for anything ongoing, treat Gamma Free as an extended trial.

How much does Gamma Pro cost in 2026?

Gamma Pro is $20 per seat per month on monthly billing, with a lower effective rate on annual billing (Gamma advertises up to 28% off). Pro includes 4,000 monthly AI credits, 60 cards per prompt, premium image models, custom branding and fonts, detailed analytics, up to 10 custom domains, API access and workspace templates. Pro is the lowest tier with API access, which is why most paying solo users land there.

Do Gamma free credits refresh each month?

No. The 400 credits on Gamma's Free plan are a one-time grant that never refills. Only paid plans get monthly refreshing credits: Plus 1,000, Pro 4,000, Ultra 20,000. On Free, once the 400 are gone your only options are referring friends (200 credits each, capped at 2,000 lifetime), upgrading, or stopping AI use. This is the single most misunderstood part of Gamma pricing in 2026.

Can I get a refund from Gamma?

Only within the first three days of subscribing, and only if you have used less than a small per-plan share of your credits (about 10 to 20 percent). The three-day rule took effect December 1, 2025 and applies to annual plans too. After day three there is no refund, even if you paid for a full year and barely used it. Cancelling on its own never triggers a refund, so watch the window.

How do Gamma AI credits work on paid plans?

On paid Gamma plans, only three things spend credits: the Agent (post-generation edits), Ultra-tier AI models, and API calls. Standard-model presentations and standard images are included in the plan. That is why most Pro users never come close to their 4,000-credit ceiling. Unused credits roll over up to twice the plan size, so Plus caps at 2,000, Pro at 8,000, and Ultra at 40,000 before extra credits expire.

Is Gamma Pro worth it for a solopreneur?

For a solopreneur shipping more than a deck or two a month, Gamma Pro at $20/month is usually worth it. It removes the watermark, adds custom branding and fonts for client-facing work, and unlocks API access for automations in tools like Zapier, Make or n8n. The safe move is to run one month of monthly Pro before paying annually, because the three-day refund window closes fast once an annual charge clears.

The bottom line on Gamma pricing in 2026

Gamma is the fastest way to draft a deck in 2026, and Pro at $20/month is the plan most solopreneurs should buy — it is the tier where branding, analytics, domains and API access all show up. Treat the Free plan as a trial, not a workflow: its 400 credits never refresh. And respect the three-day refund window before paying annually. Run a month monthly first, confirm your credit burn, then commit. Verify every figure on Gamma's official pricing page, since prices and limits change often.

Sources: Gamma pricing page and help center (gamma.app/pricing, help.gamma.app), eesel AI's Gamma pricing breakdown (eesel.ai/blog/gamma-pricing), and Capterra — all retrieved July 2026.