Best AI Video Agents (2026): 7 Chat-to-Video Tools and What a Finished Minute Really Costs

Short answer: if you want to type a brief and get back a finished, multi-shot video with voiceover and music, start with Pexo: it plans the script, scenes and shots with you, picks the model for each shot, and its $30 Pro plan says it covers roughly 2 to 5 minutes of video a month. Medeo is the most transparent about minutes (Pro: about 3 minutes of fully AI-generated video, or about 30 minutes built from stock footage) and has a free plan. invideo AI is the long-standing prompt-to-video option for stock-footage explainers. Higgsfield Supercomputer suits ads and faceless videos. Loova, Hailuo's Media Agent and Carat round out the list, each with a catch covered below. Updated November 9, 2026.

How we checked: plans, credits, minute estimates, free tiers and watermark rules come from each vendor's own pricing, product or help pages, read November 9, 2026. Where a page does not state something, we write "Not stated". We did not test these agents hands-on, so this guide compares what each vendor says its agent does and what it charges, not output quality. For a hands-on look at the underlying video models, see our AI video generator test. Several prices were promotional on the day we read them; we flag those.

A text-to-video model such as Kling, Veo or Seedance gives you one clip, usually 5 to 15 seconds, per prompt. You still write the shot list, generate each clip, keep characters consistent, record or generate a voiceover, find music and cut it all together.

A video agent does that production work for you. You describe the video in a chat, attach a product link, photo or script if you have one, and the agent writes a plan, picks a model for each shot, generates the shots, adds voice, music and captions, and assembles a finished cut. You then ask for changes in the same chat. That is the test we used: if the tool only hands back single clips, it is a generator, not an agent, and it is covered in our free AI video generators guide instead.

Every agent here sells credits, and a credit is not a minute. Three things decide how far a plan goes:

• Which model renders each shot. Carat's docs say plainly that high-end models such as Veo use more credits than its basic model, and that longer, higher-resolution clips cost more. Pexo says it matches a model to each shot. Hailuo prices its own H3 model by the second: $0.059 a second at 768p on Standard.
• AI footage or stock footage. Medeo's Pro plan buys about 3 minutes of fully AI-generated video or about 30 minutes built from stock. That tenfold gap is why stock-based explainers are cheap and cinematic AI shots are not.
• Retries and edits. Pexo's own tips warn that "Edits cost credits too" and that a run cannot be interrupted midway, so confirming each step first saves credits. Budget for at least one round of changes on every video.

Also check what happens to unused credits. Pexo's credit rules say subscription credits expire at the end of each billing cycle and do not roll over; Carat's subscription and top-up credits last one month from the recharge date. If you make one video a quarter, a monthly plan is the wrong shape.

Pexo is built around the agent. You describe the video and add links, images, audio or references; its homepage says Pexo "works with you to develop the script, scenes, shots, and creative direction", then selects the model for each step and delivers a video "complete with voiceover, music, motion graphics, and more". Changes happen in the chat, without starting over. The models it lists include Seedance 2.0, Kling, Nano Banana, Seedream and ElevenLabs.

Its pricing page lists three monthly plans: Pro at $30 (3,000 base credits plus 1,800 limited-time bonus, approx. 2 to 5 minutes of video), Elite at $60 (7,200 plus 2,800, approx. 5 to 11 minutes) and Max at $100 (14,000 plus 4,000, approx. 9 to 20 minutes). Credits cover the whole workflow, "visuals, audio, captions & editing", and paid plans list no watermarks and commercial use rights. Annual pricing is not stated. There is a free start, but the number of free credits is not stated, and add-on credit packs are for subscribers only.

Not for: anyone who wants precise frame-by-frame control. You steer by conversation, and the minute range on each plan is wide because it depends on which models the agent picks.

Medeo's AI Video Agent "analyzes your input and plans scenes, camera movements, and pacing automatically", turns it into a multi-scene video with AI voices, and applies edits you ask for in chat. It accepts scripts, images and voice recordings, and lists models including Seedance, Kling, Veo, Sora 2 and Hailuo. Background music is not mentioned on that page.

Its pricing page is the most useful in this group. Free includes chat creation, the editor and 1 GB of storage, but not top-up credits or watermark removal. Pro is $35 a month, or $28 billed annually, for 700 credits: approx. 3 minutes of full AI video or approx. 30 minutes with stock video. Insider is $95 ($76 annually) for 2,400 credits, approx. 10 or 100 minutes; Elite is $295 ($236 annually) for 9,000 credits, approx. 40 or 400 minutes.

Not for: heavy cinematic work on a small budget. Three AI-generated minutes a month on Pro goes quickly once you redo a scene or two.

invideo AI was doing chat-to-video before the word "agent" caught on. Its AI video generator page says it "writes the script, adds visuals generated with AI, adds voiceovers, subtitles, music", pulls from more than 16 million stock images and videos, and takes follow-up commands such as "change the accent, delete scenes". The newer editor adds storyboarding ("Turn any script or idea into a shot-by-shot plan") and an editing agent on a multitrack timeline you can take over.

The pricing page ran a 50% off annual promotion on November 9: Starter is $20 a seat a month, or $10 billed annually, for 400 credits (about 15 Seedance 2 fast videos) and access to Agent Two Lite only. Plus is $60, or $30 annually, for 2,000 credits (about 52 Seedance 2 videos) and Agent Two Lite, Pro and Ultra. Max is $250 for 8,000 credits. Minutes of finished video are not stated, and the current pricing and plan pages state no free plan or watermark terms.

Not for: cinematic AI footage on Starter. The better agents start on Plus, and stock-heavy output looks like stock.

Higgsfield Supercomputer is a chat workspace: "Describe what you want. Higgsfield Supercomputer plans it, picks the models, and renders it." The Supercomputer page shows ready-made skills for explainer videos, faceless videos, UGC product ads, an Ad Multiplier that makes campaign variations, and a Shorts Maker. It also has an "Ask before generating" option so you can approve a plan before credits are spent.

Higgsfield's pricing page lists Starter at $19 a month for 270 credits, Plus at $59 a month ($47 billed yearly) for 1,200 credits, and Ultra at $129 a month ($99 billed yearly) for 3,000 credits, which it equates to 200 Seedance 2.5 videos. A "Free Mode" appears on the Supercomputer page, but its terms are not stated, and the pricing page does not say how many Supercomputer projects a plan covers.

Not for: long narrative video. The skills on show are short ads, explainers and social clips.

Loova's AI Agent "analyzes your idea, plans the scenes, directs the flow of the story, and generates the video automatically", for ads, films, UGC and explainers. The intro page does not mention voiceover or music, and editing is a separate AI Video Editor tool.

Read the pricing page closely: the $15 Lite plan does not include the AI Agent. The agent starts on Pro, $49 a month or $39.20 billed annually, for 1,200 credits (25 Seedance 2.5 videos). Max is $99, shown at $89.10 monthly or $59.40 annually under a limited offer, for 3,000 credits; Ultimate is $229, shown at $169.50 or $109.60, for 8,000. You can sign up free and try free Seedance 2.5 generations; the count is not stated, and watermark terms are not stated.

Not for: buyers who pick on the headline price. The plan most people will see first does not include the agent.

MiniMax's Hailuo 2.3 announcement says the Hailuo Video Agent "officially evolves into the Media Agent": you input what you want and it "automatically matches the right multi-modal models", or you work step by step with your own images, video and audio. Its example is a 30-second ad built from a scene, color tone, camera style and music. The announcement does not say whether voiceover is generated.

The Hailuo subscription page is the only one here that prices by the second. Standard is $14.99 a month, or $8.40 a month billed yearly, for 1,000 credits: approx. 143 seconds of MiniMax H3 at 768p ($0.059 a second) or approx. 84 seconds at 2K. Pro is $54.99 ($30.40 yearly) for 4,500 credits, Master $119.99 ($71.20 yearly) for 10,500. Free gets one-time trial credits on Hailuo models only. Note these are seconds of raw generation, not finished minutes.

Not for: anyone who wants a single "make my video" button with predictable output. The agent is one part of a bigger generation app.

Carat calls itself "The Creative AI Agent": video, images, music and voice from one chat. Its FAQ describes planning, generation and editing "all in a single Chat". For video, though, its docs say the maximum per generation is 15 seconds; longer videos come from generating the next scene from the last frame, then merging clips and adding audio. That is more hands-on than Pexo or Medeo.

The plans page lists Plus at $20 a month for 10,000 credits, Premium at $40 for 20,000, Max at $99 for 50,000 and Pro at $200 for 100,000, each discounted with annual billing (amount not stated). Premium and above include unlimited use of Carat's own basic video model (LTX) for a period; Pro gets it for life. Free users get daily free credits when their balance falls under 100. Carat says all generated content can be used commercially. Watermark terms are not stated.

Not for: a finished multi-shot video in one request. Carat is the better pick if you also want images, music and voice in the same place.

Morphic is growing fast, but its own site describes a creative studio with workflows, frame editing and inbetweening, not a chat agent that plans and assembles a video, so it does not fit this list. Single-clip models (Kling, Veo, Sora, Seedance, Runway) are not agents either; several of the agents above call them for you.

• You want a finished video from one brief and will pay for it: Pexo Pro at $30.
• You want to know how many minutes you are buying, or need a free plan: Medeo. Use stock footage where you can to stretch credits tenfold.
• You make YouTube explainers or listicles from stock: invideo AI Plus.
• You make product ads, UGC-style clips or faceless shorts: Higgsfield Supercomputer.
• You want to price by the second and do some steps yourself: Hailuo.
• You want one chat for images, music, voice and short video: Carat.

Whichever you pick, start with a 15 to 20 second test, as Pexo itself suggests, before you commit a month of credits to a two-minute video.

What is an AI video agent?

An AI video agent takes a brief in chat and produces a finished, multi-shot video: it plans the script and scenes, picks a generation model for each shot, adds voiceover, music and captions, and edits the result when you ask. A text-to-video model, by contrast, returns one short clip per prompt.

How much does a minute of AI agent video cost?

It depends on the model and on AI versus stock footage. Pexo's $30 Pro plan says it covers approx. 2 to 5 minutes a month. Medeo's Pro plan, $35 a month, buys approx. 3 minutes of fully AI-generated video or approx. 30 minutes with stock video. Edits and retries use credits too.

Is there a free AI video agent?

Medeo has a free plan with chat-based video creation, but it does not include watermark removal or top-up credits. Carat gives daily free credits when your balance is under 100, and Hailuo gives one-time trial credits. Pexo offers a free start, but the number of free credits is not stated.

Do AI video agents add a watermark on free plans?

Medeo's Free plan does not include Remove Watermark, which is listed on its paid plans. Pexo's paid plans list no watermarks, and its credit rules say paid plans unlock watermark-free exports. invideo, Higgsfield, Loova, Hailuo and Carat did not state free-plan watermark terms on the pages we read.

Which AI video agent makes the longest videos?

None of these vendors states a maximum finished length. Pexo's Max plan, $100 a month, estimates approx. 9 to 20 minutes of video a month, and Medeo's Elite plan estimates approx. 40 minutes of full AI video. Carat's single generations are capped at 15 seconds and are merged for longer videos.