IACrea Pricing Explained: What Credits Actually Cost at 5, 15, and 50 Listings

Quick answer: what IACrea costs per year

IACrea Solo runs $311.52 a year on annual billing and $339.84 on monthly billing. Agency runs $810.24 annually and $883.92 monthly. Annual billing gives you one month free on both plans, verified September 1, 2026.

One caveat first. IACrea is a French company and sets its list prices in EUR. The USD figures on its site are IACrea's own localized conversion, quoted before VAT, so they can move with exchange rates even when the underlying price does not change.

The pricing page prices every action in credits, which hides the yearly total. Here is the arithmetic for three real volumes.

The assumptions behind every number

Every scenario below uses the same per-listing recipe. Swap in your own numbers and the math still works.

Two things in that table do a lot of work. Virtual staging is priced identically to any other retouch at 0.1 credit, so furnishing an empty room costs the same as swapping a grey sky. And phone captures never touch your credit balance. They draw on a separate monthly allowance of 30 on Solo, 40 per user on Agency.

The plan facts driving the totals:

Unused credits carry over. Your balance stops accruing at three times the monthly allowance, so a Solo account can bank at most 45 credits and an Agency account 135. Annual billing on Solo is exactly eleven months of the monthly price ($28.32 x 11 = $311.52). On Agency it lands two cents off eleven months, a rounding artifact of the displayed per-month figure.

Scenario 1: 5 listings a year

A part-time or referral-driven agent listing five homes a year.

You use 5.6% of your allowance, and rollover does not help because you hit the 45-credit ceiling around month four and forfeit roughly 14 credits every month after that. About 125 credits a year evaporate. Phone captures come to roughly 75 a year if you shoot 15 per listing, against an allowance of 360.

Verdict: Solo on annual billing, $311.52 a year, $62.30 per listing. At this volume the credit system is noise. You are paying for access to the editor, the video tools, and the capture license, and the $28.32 you save by paying yearly is the only lever available.

Scenario 2: 15 listings a year plus two Meta campaigns

A full-time solo agent with a steady pipeline who runs two paid social pushes a year.

Annually you sit 30 credits under the allowance, and rollover means the quiet months bank toward the busy ones. Run the ledger with one listing in most months (2 credits) and campaigns in months 6 and 12 (62 credits each) and it looks like this: your balance climbs to the 45 cap by month four, holds there, then a campaign month arrives needing 62. You arrive with 45 and are 17 short. Buy 17 extras at $1.13, twice a year.

Agency needs nothing purchased at all, because its 135-credit ceiling banks a full campaign twice over. It still costs $460.30 more.

Now the catch. Solo's balance cap is 45 and a campaign costs 60, so the Solo route above depends on purchased credits being able to lift your balance past the cap. IACrea publishes the cap and publishes the $1.13 price, but does not say how the two interact. Get that answer in writing before you plan campaigns around Solo. If purchased credits are capped too, campaigns become an Agency feature in practice and this scenario costs $810.24.

Verdict: Solo annual at $349.94, $23.33 per listing, contingent on that one answer. Without campaigns, Scenario 2 is simply $311.52 and you never buy a credit.

Scenario 3: 50 listings a year plus six Meta campaigns

A high-volume listing agent or a two-person team, roughly four listings a month, running a campaign every other month.

Rollover does the whole job here. Quiet months use 8 credits against a 45 allowance, so you bank 37. Campaign months need 68 and draw the difference from the balance. Walk it forward from zero and the balance never goes negative: 37 after month one, 14 after the first campaign month, 51, 28, 65, 42, and upward from there, brushing the 135 ceiling twice late in the year and forfeiting 17 credits total.

Solo looks cheaper on that last line, and two things kill it. Every campaign month needs 68 credits against a 45 balance cap, so it runs into the same undocumented question as Scenario 2, six times a year instead of twice. And fifty listings at 15 phone captures each is about 63 captures a month against Solo's allowance of 30. If you shoot listings on your phone, Solo is out before credits enter the conversation.

Verdict: Agency on annual billing, $810.24 a year, $16.20 per listing, with no extra credits purchased. That is the cheapest per-listing figure of the three, the normal shape of a subscription whose credit pool you finally use.

When Agency actually beats Solo plus extra credits

Not on credit value. Agency costs $498.72 more per year ($810.24 vs $311.52) and includes 30 more credits a month, 360 more a year. Buying those same 360 on Solo costs $406.80, which is $91.92 cheaper than upgrading. Extra seats behave the same way: a fourth user is $13.60 a month ($163.20 a year) for 5 credits a month worth $67.80.

Upgrade for one of these three reasons instead:

1. You run Meta campaigns. Agency's 135-credit ceiling banks a 60-credit campaign out of allowance alone. Solo's 45-credit ceiling cannot, and the workaround is undocumented.
2. You shoot more than 30 phone captures a month. Agency gives 40 per user, 120 across three seats.
3. You need a second or third person in the account, each with their own capture license.

What the credit model handles badly

The Meta campaign minimum sits above the Solo balance cap. Sixty credits against a ceiling of 45 is not a near miss, it is a structural gap, and IACrea sells campaign tools on the Solo plan without documenting how a Solo user is supposed to fund one. That is the single most important thing to clarify with support before subscribing.

Low-volume users lose credits. The cap is three months of allowance, so anyone spending less than a third of their monthly credits forfeits the excess permanently. In Scenario 1 that is roughly 125 credits a year, or 1,250 photo retouches you paid for and cannot use.

One smaller item to price in: IACrea treats unsatisfactory generations as nonrefundable, so a re-run costs again. Budget 12 retouches per listing rather than 10 if you are picky about output.

If you only need staging, compare against per-image pricing

Virtual Staging AI charges per image with no credit arithmetic at all. Basic runs $16/month ($192/year) for 72 images a year, Standard $19/month ($228/year) for 240, and Professional $39/month ($468/year) for 720.

Against IACrea Solo at $311.52 a year, the crossover sits at roughly 240 staged images a year, about 24 listings at 10 photos each. Below that, Virtual Staging AI Standard covers you for $228 and saves $83.52. Above it you would need Virtual Staging AI Professional at $468, while IACrea Solo handles 1,800 images a year inside its included credits at an effective $0.17 per image. That undercuts even Virtual Staging AI Enterprise's $0.53.

The real limit is throughput. Solo's balance cap means you never hold more than 450 images worth of credits at once, accruing 150 images worth a month. For a staging-only agent that is plenty. For anyone bulk-processing a back catalog in one week, it is a real limit.

Read the full head-to-head before committing to either.

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