ElevenLabs vs Murf AI in 2026: cost per minute, cloning, dubbing and which to pick

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By YourAISoft Team · Prices checked 7 October 2026 · 10 min read · How we test

Billed yearly, about two hours of speech a month costs $0.15 a minute on ElevenLabs Creator and $0.16 on Murf Creator. The real differences are cloning, languages, dubbing, API rates, refunds and whether a re-take uses up your allowance.

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Pricing per minute: what each plan buys

Prices checked on 7 October 2026 on both pricing pages, in US dollars before tax. Yearly prices are shown per month.

Plan level	ElevenLabs	Murf
Free plan	$0: about 10 minutes every month	$0: 10 minutes in total
Cheapest paid plan	Starter: $6, or $5 billed yearly; about 30 minutes	Creator: $19 billed yearly ($228 a year); about 120 minutes*
About 2 hours a month	Creator: $22, or $18.33 billed yearly; about 121 minutes	Creator on monthly billing: $29 for 120 minutes**
Cost per minute, billed yearly	$0.17 on Starter, $0.15 on Creator	$0.16 on Creator
Cost per minute, billed monthly	$0.20 on Starter, $0.18 on Creator	$0.24 on Creator**
Next plan up	Pro: $99, or $82.50 billed yearly; about 600 minutes	Business: $66 billed yearly ($792 a year); about 480 minutes*
Cost per minute on that plan, yearly	$0.14	$0.14
If you run out	Extra minutes: about $0.20 on Starter, $0.18 on Creator	Upgrade, or buy the plan again

*Yearly plans metered in hours give one pool: 24 hours a year on Creator and 96 on Business, shown here as a monthly average. **The monthly prices ($29 for 2 hours a month, $99 for 8 hours) come from the plan data behind the same pricing page, which showed us only the yearly cards.

Cost per minute is the plan price divided by its minutes, rounded to the cent: for the two Creator plans billed yearly, $18.33 ÷ 121 minutes against $228 ÷ 1,440 minutes (24 hours). Four things move the real figure:

• Credits only estimate minutes. The ElevenLabs pricing table counts 10,000 credits as about 10 minutes, and a tooltip on the same page says “One minute of audio costs approximately 1000 characters”. Credits are charged “per generation request, not per download”, with “a limited number of free regenerations” if the text and settings stay the same, and some shared voices carry “a custom rate that applies a multiplier”.
• Hours count finished speech. Murf’s pricing FAQ says a different voice, style, pitch, speed, pause or pronunciation “for the same text will not consume any voice generation time”.
• Yearly hours are one pool. “Yearly plans have no monthly limits, just an overall yearly limit”, so 24 hours can go into one busy quarter.
• Temporary offers are left out. Starter’s $1 first month ran until 18 October and was gone from the pricing page at our 21 October 2026 check; the first month of the $22 Creator plan is still $11, with no end date shown, and the “3x credits” launch bonus on Creator and higher plans ended on 12 October.

Murf AI pricing above Creator

Business costs $66 a month billed yearly ($792 a year) for 96 hours and up to 500 projects at a time, against 100 on Creator. It adds PowerPoint, emphasis controls and “Say It My Way”, which copies the intonation of a line you record. The help center recommends this license to registered businesses, though every paid plan carries commercial rights. Enterprise is quoted on request; a FAQ in the page code mentions “custom plans starting $5940/year”.

ElevenLabs plans above Creator

Pro costs $99 a month, or $82.50 billed yearly, for about 600 minutes, with 192 kbps audio and 44.1 kHz PCM output through the API. Scale ($299) adds three seats, and Business ($990) ten. A yearly plan costs ten monthly payments: “two months free”, in the words of the pricing FAQ.

Feature by feature: cloning, languages, refunds

Feature	ElevenLabs	Murf
What you pay for	Credits: 1 per character, about 1,000 per minute	Hours of generated speech
Re-voicing the same text	Charged per generation; a few free re-takes	Free when only voice, style, pace or pauses change
Voice cloning	Instant from Starter; professional from Creator	Enterprise only, as a paid add-on
Voices to choose from	17,000+ in the Voice Library, incl. user-shared voices	200+ (home page) or 300+ (help center)
Languages	74 on Eleven v3; 90+ on Eleven v4	35+ (home page) or 33 (help center)
Dubbing, extra minute per language	$2.23 to $2.70 on paid plans	About $2, pay as you go
Free plan	10,000 credits a month; non-commercial, with attribution	10 minutes once; no downloads, no commercial rights
API, per 1,000 characters	$0.04 (Flash) to $0.08 (v3)	$0.01 (Falcon) to $0.03 (Gen 2)
Unused allowance	Rolls over for up to two months	Carries over one cycle
Refunds	Within 14 days, if no credits were used	Within 24 hours, under 10 minutes used
Security claims	SOC 2 Type II, ISO 27001; HIPAA BAA on Enterprise	SOC 2 Type II, ISO 27001, ISO 42001; HIPAA
Trustpilot, 7 Oct 2026	3.1 from 1,175 reviews	4.6 from 186 reviews
G2, 7 Oct 2026	Not quoted: main listing not found	4.7 from 1,411 reviews

Billing by the character comes with self-serve cloning, more languages and dubbing minutes in the plan. Billing by hours of finished speech comes with free edits to the same text and the higher Trustpilot score. Once you have used either service, a refund is unlikely.

Rollover, cancelling and refunds

Both renew automatically, and both wipe unused allowance when you cancel.

ElevenLabs: two months of rollover, a 14-day refund window

• Unused credits roll over “for up to two months”, capped at three times the monthly quota (90,000 credits on Starter), while a paid plan stays active.
• Cancelling or downgrading takes effect at the end of the cycle, and then “any unused paid credits will expire”, rolled-over ones included.
• Cancel before the cycle ends: once a new cycle starts, even unpaid, the plan stops only at the end of that new cycle.
• Refunds: the help center allows one “within 14 days of payment” if “no credit quota was used” in that period. Outside the EEA, Switzerland and the UK, the terms refund nothing already paid; consumers inside them have a 14-day right of withdrawal.
• No pause option. Subscriptions bought through the App Store or Google Play are cancelled and refunded only there.

Murf: one cycle of carry-over, a 24-hour refund window

• Unused hours carry forward one cycle only, and only if the plan renews or is paused. Yearly plans follow the same rule.
• After cancelling, rendering and downloads stop when the paid period ends, and “any remaining Plan VGT and carried-forward VGT” is lost. Projects stay.
• Downgrading, including from yearly to monthly billing, also removes the remaining hours.
• A plan can be paused for up to 30 days without charges, keeping unused hours.
• Refunds: only for a purchase made “within the last 24 hours” with “less than 10 minutes” of generation used. The help center advises cancelling at least a day before renewal.

If your workload is uneven, the yearly pool of hours is the easier meter. With credits, rollover stops at two months even on an active plan.

Voice cloning: a self-serve plan or an Enterprise contract

This is the widest gap between the two, and both put their consent rules in writing.

ElevenLabs: instant clones from Starter, professional clones from Creator

• Instant Voice Cloning comes with Starter. The product page mentions both a “10-second recording” and “1-5 minutes of audio”; the documentation recommends one to two minutes.
• Before cloning, you confirm “that you have the right and consent to clone the voice”.
• Professional Voice Cloning starts on Creator, with one slot on Creator and Pro. It needs at least 30 minutes of clean audio, ideally two to three hours, and training takes about three to six hours.
• A professional clone must be your own voice, confirmed by a spoken check: “Even with their consent, you cannot clone someone else’s voice.”
• Clones of prominent public figures are blocked, and the use policy bans impersonating political candidates “regardless of whether authorization was obtained”.

Try instant cloning on the Starter plan

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Murf: Enterprise only, recorded in a studio

• The help center says voice cloning “is not a self-serve solution” and is “available only with our Enterprise plan”; the pricing page lists custom clones as an Enterprise add-on.
• A custom voice needs one to two hours of studio recordings per voice style, as 48 kHz WAV files, and takes one to four weeks. The customer owns the rights.
• Cloning is allowed only for a “Consenting Speaker” who has given “explicit written consent”.
• Clone languages: five in the help center (English, Spanish, Portuguese, French, German), against “20+” on the cloning page.
• The dubbing tool is the exception: it keeps the original speaker’s voice in the dubbed video.

Languages and dubbing

Both vendors print different language counts on different pages, so each figure names its model or page.

• Eleven v3: 74 languages in the pricing table. Eleven v4, launched on 28 September 2026, covers more than 90; the older Multilingual v2 and Flash v2.5 cover 29 and 32.
• Murf: 35+ on the home page, 33 in the help center and 35+ for the Falcon API; a comparison page on its site claims 45+.

For a less common language or accent, test a line on each free plan before paying.

Dubbing: minutes in the plan or pay as you go

Dubbing v2 covers 90+ languages, runs fully automatically, uses “the original voice of the actors” and charges per target language. Paid plans include about 2 minutes on Starter, 9 on Creator and 44 on Pro; extra minutes cost $2.70, $2.45 and $2.23. The help center says dubbing has no lip sync.

Murf Dub sells credits at $1 each ($5 minimum), and automatic dubbing uses 2 credits per minute per language: about $2 a minute. The help center lists 44 source and 42 target languages; the dubbing page gives 28+ and 40+ and promises lip-syncing. The trial’s 200 credits cover about 100 watermarked minutes.

Per minute and language, the two land close together. For training video with an on-screen presenter, see our Colossyan review.

API pricing for developers

Both APIs charge per 1,000 characters, roughly a minute of speech. For one million characters a month, Falcon costs $10 and Gen 2 $30, against $40 on Flash or Turbo and $80 on Eleven v3 at list price.

Murf API: Falcon and Gen 2

• Falcon, the low-latency model, costs $0.01 per 1,000 characters; Gen 2, the studio-quality model, $0.03. Voice Changer is $0.10 a minute and translation $0.02 per 1,000 characters.
• The pricing page offers “$10 FREE, every month”; a help article describes the trial as 100,000 characters.
• The price card says purchased credit “never expires”, while the product terms give it a year.
• Falcon launched in November 2025 for voice agents, with a stated model latency of 55 ms.

ElevenLabs API: v3, Flash and v4

• Eleven v3 and Multilingual v2 cost $0.08 per 1,000 characters, Flash and Turbo $0.04. The launch prices of $0.022 for v4 and $0.011 for v4 Turbo (“72% off”) ended on 12 October; on 14 October 2026 the API page listed v4 at $0.08 and v4 Turbo at $0.04.
• Free includes 10,000 characters of v3, and each paid plan includes characters worth its price, such as 75,000 on Starter. Pay-as-you-go top-ups expire after 12 months.
• ElevenAgents plans include call minutes, 75 on Starter and 275 on Creator; extra minutes cost $0.08, and the language model is billed on top.

Who wins for which job

Neither tool leads on every count.

Training modules and narrated slides: Murf

Course and slide narration means many small edits to one script. Here, changing a voice, pace or pause on unchanged text costs no hours, while a credit plan charges again once the voice or settings change. Billed yearly, Murf Creator costs within a cent a minute of the other Creator plan, and its 24 hours can go into one busy quarter.

• Canva comes with Creator and PowerPoint with Business; there is also a Google Slides add-on.
• Creator holds up to 100 projects at a time.
• Exports include a-LAW and μ-LAW files for phone systems.
• Stock voices come from actors who “earn royalties every time their voices are used”.

Where it falls short: no self-serve cloning, a 24-hour refund window and $29 a month without a yearly plan, per its pricing data. To put the narration on video, see our list of AI video editing tools.

Compare Murf’s Creator and Business plans

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Your own voice, dubbing, agents and many languages: ElevenLabs

Pick it when the voice itself is the product. An instant clone comes with Starter and a professional clone of your own voice with Creator. Text to speech covers 74 languages on v3 and dubbing 90+. Studio 4.0 adds video voiceover, music and captions on every plan, and voice agents get call minutes from the free plan up (15 a month).

Know the limits first: credits lapse after two months of rollover and on cancellation, refunds need zero credits used, and the free plan is non-commercial. Audio made while you pay stays licensed “forever”, even after you cancel.

API and voice agents: compare by volume

For plain text to speech at volume, Falcon’s $0.01 per 1,000 characters is a quarter of the Flash list price, and v4 Turbo’s launch price came close until that offer ended on 12 October. The higher rate buys self-serve cloned voices, agent call minutes in the same plan and, on v3 or v4, more languages; Flash v2.5 covers 32 against Falcon’s 35+. Run your own script through both free tiers: we haven’t measured latency or quality.

Tight budget: the ElevenLabs free plan or Starter

The free plan renews 10,000 credits a month and allows non-commercial publishing if the title credits the service. Murf’s free plan is a single 10-minute allowance with no downloads, though it needs no card. The cheapest commercial license is Starter at $6 a month, or $60 a year, against $228 a year upfront for Murf Creator.

Start on the ElevenLabs free plan

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Reviews, security and your data

Ratings were read on 7 October 2026; security claims come from each vendor’s own pages.

ElevenLabs: reviews, certifications and data use

• Trustpilot: 3.1 from 1,175 reviews, 48% five-star and 38% one-star. A one-star review of 27 September 2026 says credits disappeared after unsubscribing, as the expiry rule above predicts.
• Capterra: 4.7 from 25 reviews. We couldn’t open a main G2 listing, so we don’t quote one.
• Security: the company says it is “SOC 2 Type II, ISO 27001, and PCI DSS Level 1 certified, with HIPAA and GDPR compliance”; HIPAA agreements and Zero Retention Mode are Enterprise options.
• Data: some customer data trains the models by default. The “Improve the models for everyone” setting turns this off for new data, and Enterprise data is excluded.

Murf: reviews, certifications and data use

• Trustpilot: 4.6 from 186 reviews, 75% five-star and 12% one-star. A low-rated review of 10 March 2026 says unused paid minutes vanished at the end of the month.
• G2: 4.7 from 1,411 reviews. Capterra lists the Studio product at 4.5 from only 4 reviews, dated 2021 to 2023.
• Security: ISO 42001, ISO 27001, SOC 2 Type II (audited “with no exceptions”), CCPA and GDPR, plus HIPAA on the pricing page.
• Data: “No Training on your Data” appears only on the Enterprise plan card.

How we compared them

On 7 October 2026 we read both pricing pages, help centers, terms and review profiles, and logged every figure with a quote, a link and the date. Two figures needed a workaround: Murf’s monthly prices come from the plan data behind its pricing page, and the credit plans’ yearly prices from a pricing FAQ.

We have no account or audio samples from either tool, so voice quality isn’t scored here; our testing method explains when we score it. Each vendor has published a comparison of the two, both with figures now out of date, so we didn’t rely on them.

The third tool in the old version of this comparison shut down in 2026; our Lovo AI review explains what happened. Buttons on this page may earn us a commission, which doesn’t change the figures; see our editorial transparency policy.

FAQ