Terra API Pricing: Plans, Credits and What Each User Costs

What Terra charges#

Terra publishes two plans. As we read its pricing page and its pricing documentation on November 4, 2026:

<iframe src="https://aifitnessapi.com/embed/table/pricing/terra-api-pricing/1"
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<p><a href="https://aifitnessapi.com/pricing/terra-api-pricing">Terra API Pricing: Plans, Credits and What Each User Costs</a> via AIFitnessAPI</p>

<a href="https://aifitnessapi.com/pricing/terra-api-pricing#tbl-1">Terra API Pricing: Plans, Credits and What Each User Costs</a> — AIFitnessAPI

The pricing page's toggle shows Quick Start "From $499 / month" on its monthly view, and its FAQ gives both figures: "Subscriptions start from $399 per month billed annually, or $499 per month billed monthly." Every page on this site about Terra is collected in the Terra API overview; to build against it, see the Terra API integration guide.

How the credits work#

Terra's bill is counted in Unified API credits. Its pricing documentation names what uses them:

<iframe src="https://aifitnessapi.com/embed/table/pricing/terra-api-pricing/2"
        title="How the credits work — Terra API Pricing: Plans, Credits and What Each User Costs"
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<p><a href="https://aifitnessapi.com/pricing/terra-api-pricing">Terra API Pricing: Plans, Credits and What Each User Costs</a> via AIFitnessAPI</p>

<a href="https://aifitnessapi.com/pricing/terra-api-pricing#tbl-2">Terra API Pricing: Plans, Credits and What Each User Costs</a> — AIFitnessAPI

The included credits "reset to 100,000 each billing period and do not roll over". Past the allowance, Terra's tier table prices extra credits at $0.005 from 100,001 to 1,000,000 a month and $0.003 from 1,000,001. Its docs add that "95% of customers are never charged for events".

The unit matters more than the price. Terra bills per connected source, not per person: a user who connects a watch and a ring is two active authentications.

Our arithmetic at different user counts#

These are our calculations from the list prices above, not a quote from Terra. They assume one connected source per user, events inside the free 400, the same credit rates on both billing periods, and that $0.003 applies only to the credits past 1,000,000 (the tier table reads that way but does not say so).

<iframe src="https://aifitnessapi.com/embed/table/pricing/terra-api-pricing/3"
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<p><a href="https://aifitnessapi.com/pricing/terra-api-pricing">Terra API Pricing: Plans, Credits and What Each User Costs</a> via AIFitnessAPI</p>

<a href="https://aifitnessapi.com/pricing/terra-api-pricing#tbl-3">Terra API Pricing: Plans, Credits and What Each User Costs</a> — AIFitnessAPI

Past the first 500 sources, each extra source costs $1 a month (200 credits at $0.005), and $0.60 past 5,000. If your users connect two sources each, halve the user counts in the table.

Add-ons, priced separately#

Terra's docs say "Each add-on is billed separately from your plan fee", and an add-on that uses credits has its own balance, so it never draws down your Unified API credits:

<iframe src="https://aifitnessapi.com/embed/table/pricing/terra-api-pricing/4"
        title="Add-ons, priced separately — Terra API Pricing: Plans, Credits and What Each User Costs"
        width="100%" height="550" loading="lazy" style="border:0"></iframe>
<p><a href="https://aifitnessapi.com/pricing/terra-api-pricing">Terra API Pricing: Plans, Credits and What Each User Costs</a> via AIFitnessAPI</p>

<a href="https://aifitnessapi.com/pricing/terra-api-pricing#tbl-4">Terra API Pricing: Plans, Credits and What Each User Costs</a> — AIFitnessAPI

Terra's product menu also lists Lab Testing and DNA Testing; its homepage says you can "Order blood and DNA tests for your users through Terra API". Neither price is on the pricing page.

What Quick Start does not include#

• A BAA. The pricing page lists "Signed BAA (data protection agreement)" under Enterprise. Whether you need one depends on your role under HIPAA; see HIPAA for fitness apps. This is general information, not legal advice.
• Engineering support. 24/7 expert engineering support, end-to-end guided integration and custom integrations are Enterprise items.
• Rollover. Unused credits do not carry over to the next month.

Usage spikes and refunds#

Terra's docs describe Usage Spike Protection: if "you receive an unexpectedly large bill in your initial 6 months" from rapid user growth or a testing error, "you may be eligible for a one-time refund", with criteria such as a bill threshold. Both plans list a 30-day money-back guarantee.

Evaluating Terra on price#

If Terra is the API you are evaluating, check four things against your own product before you sign:

• Sources per user, not users. The bill counts active authentications, so estimate how many sources a typical user connects.
• Event volume. 400 free events per source a month, then 0.5 credits an event. A daily summary per data type stays well inside that by our arithmetic; a source that pushes many intraday updates may not, so watch the usage breakdown in the dashboard during your trial.
• The add-ons you need. Streaming, Health Scores, Lab Reports and Planned Workouts each carry their own monthly fee.
• Whether you are really an Enterprise buyer. A BAA, a dedicated server, data storage or custom integrations put you on a custom quote.

How it compares#

Read on November 4, 2026, Terra's $399 annual entry price sits beside ROOK's Core at $399 a month for up to 750 active users, Junction's Launch at a flat $300 a month for up to 500 connected users, and Sahha's Starter at $299 a month billed annually with 1,000 users included. By our arithmetic, at 1,000 users with one source each Terra comes to $899 a month on annual billing, against $999 on ROOK's Core+ and $299 on Sahha's Starter; at 5,000 it is $4,899, against $999 on Core+ and $1,499 on Sahha's Pro. Terra costs more per user at a few thousand users and offers, in return, delivery to your own storage (its plan lists "Access to 9 destinations", such as AWS S3, Google Cloud Storage and MongoDB) and lab ordering.

• Per-user price sheets in detail: ROOK API pricing, Junction API pricing, Sahha API pricing.
• The same user counts run through every vendor: health-data aggregator pricing.
• If Terra does not fit: Terra alternatives.

What we could not verify#

• Whether the $0.003 rate applies only to credits past 1,000,000, as we assume, or to every extra credit once you pass it.
• Whether monthly billing changes the per-credit rates; the tier table names no billing period.
• The Health Rewards price: the pricing page says from $499 a month, the docs say contact Terra.
• Enterprise prices and terms, and the price of lab and DNA tests.

Prices above are from Terra's pages as read on November 4, 2026. Re-read the live pricing page and pricing docs before you budget.