---
title: "Terra API Pricing: Plans, Credits and What Each User Costs"
canonical: "https://aifitnessapi.com/pricing/terra-api-pricing"
cluster: "Pricing"
primary_query: "terra api pricing"
last_reviewed: "2026-11-04"
description: "Terra's Quick Start is $399 a month billed annually or $499 monthly, with 100,000 credits; each connected source costs 200. Add-ons, BAA, our arithmetic."
publisher: "AIFitnessAPI — independent, not sponsored"
cite_as: "\"Terra API Pricing: Plans, Credits and What Each User Costs\", AIFitnessAPI, https://aifitnessapi.com/pricing/terra-api-pricing"
---

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

> As of November 4, 2026, Terra's pricing page says subscriptions start from $399 a month billed annually or $499 billed monthly, on a Quick Start plan that includes 100,000 Unified API credits a month; Enterprise is a custom quote. Each connected data source for one end user costs 200 credits a month, so the included credits cover 500 connected sources, and extra credits cost $0.005 each, falling to $0.003 past 1,000,000 a month. Add-ons such as the Lab Reports API, Health Scores, Streaming and Planned Workouts are billed separately, and the signed BAA is listed under Enterprise.

- Canonical: https://aifitnessapi.com/pricing/terra-api-pricing
- Last reviewed: 2026-11-04
- Publisher: AIFitnessAPI (https://aifitnessapi.com) — independent, not sponsored
- Cite as: "Terra API Pricing: Plans, Credits and What Each User Costs", AIFitnessAPI, https://aifitnessapi.com/pricing/terra-api-pricing

---

## What Terra charges

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

| Plan | List price | Included | What Terra lists |
|---|---|---|---|
| Quick Start | $399 a month billed annually, or $499 billed monthly | 100,000 Unified API credits a month | Unlimited API integrations and data destinations, the mobile SDK, event deduplication, historic data retrieval, the authentication widget, a 30-day money-back guarantee |
| Enterprise | Custom, "Plans tailored to your usage" | Tailored | Everything in Quick Start plus 24/7 engineering support, guided integration, custom integrations and destinations, tailored MSAs and SLAs, a signed BAA, a dedicated server and data storage |

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](/apis/terra); to build against it, see the [Terra API integration guide](/integrate/terra-api).

## How the credits work

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

| What uses credits | Cost |
|---|---|
| An active authentication: one data source an end user has connected and not disconnected | 200 credits a month |
| Events: each payload Terra sends to your backend | The first 400 per active authentication each month free, then 0.5 credits each |
| A model run: one of Terra's health models applied to one user's data for a date range | 1 model credit, at $0.01 a credit, billed apart from Unified API credits |

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).

| Connected sources | Credits used a month | Annual billing | Monthly billing |
|---|---|---|---|
| 500 | 100,000 | $399 | $499 |
| 1,000 | 200,000 | $899 ($399 plus 100,000 credits at $0.005) | $999 |
| 5,000 | 1,000,000 | $4,899 | $4,999 |
| 10,000 | 2,000,000 | $7,899 ($399, then $4,500 and $3,000 in extra credits) | $7,999 |

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:

| Add-on (on Quick Start) | Price | Includes |
|---|---|---|
| Lab Reports API | $499 a month plus usage | 100,000 Lab Reports credits a month |
| Health Scores | $499 a month | A 14-day free trial |
| Planned Workouts | $99 a month plus usage | 20,000 Planned Workouts credits a month |
| Streaming API | $99 a month plus usage | 20,000 Streaming credits a month |
| Graph API | $50 a month per 2 graphs | Included on Enterprise |
| Health Rewards | "Contact us" in the docs | The pricing page says "Starting from $499 / month" |

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](/compliance/hipaa-compliance-fitness-app). 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](/pricing/rook-api-pricing), [Junction API pricing](/pricing/junction-api-pricing), [Sahha API pricing](/pricing/sahha-api-pricing).
- The same user counts run through every vendor: [health-data aggregator pricing](/pricing/health-data-aggregator-pricing).
- If Terra does not fit: [Terra alternatives](/alternatives/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.*

## Sources

- [tryterra.co/pricing](https://tryterra.co/pricing) — Quick Start and Enterprise, credits FAQ, add-ons, BAA, destinations (snapshot) (checked 2026-11-04)
- [docs.tryterra.co/unified-api/pricing](https://docs.tryterra.co/unified-api/pricing) — credit consumption, tiers, spike protection, add-on table (snapshot) (checked 2026-11-04)
- [tryterra.co/](https://tryterra.co/) — lab and DNA test ordering (snapshot) (checked 2026-11-04)
- [tryrook.io/pricing/](https://tryrook.io/pricing/) — ROOK plans for comparison (snapshot) (checked 2026-11-04)
- [www.junction.com/pricing](https://www.junction.com/pricing) — Junction Launch for comparison (snapshot) (checked 2026-11-04)
- [sahha.ai/pricing/](https://sahha.ai/pricing/) — Sahha plans for comparison (snapshot) (checked 2026-11-04)

## FAQ

### How do Terra's Unified API credits work?

Terra's Quick Start plan includes 100,000 Unified API credits a month, which reset each billing period and do not roll over. As of November 4, 2026, each active authentication, meaning one data source one user has connected, costs 200 credits a month, the first 400 events per source each month are free, and further events cost 0.5 credits. Extra credits cost $0.005, falling to $0.003 past 1,000,000 a month.

[Permalink](https://aifitnessapi.com/pricing/terra-api-pricing#faq-1)

### Is Terra cheaper on annual billing?

Yes, at the subscription level. Terra's pricing FAQ, read on November 4, 2026, says subscriptions start from $399 a month billed annually or $499 a month billed monthly, each including 100,000 Unified API credits. Its credit tier table names no billing period, so we assume extra credits cost the same either way; confirm that with Terra before you model growth.

[Permalink](https://aifitnessapi.com/pricing/terra-api-pricing#faq-2)

### How much does Terra cost for 1,000 users?

About $899 a month on annual billing, or $999 billed monthly, by our arithmetic from Terra's list prices on November 4, 2026, if each user connects one source and stays inside the free 400 events. 1,000 sources use 200,000 credits; 100,000 are included and the other 100,000 cost $0.005 each. Two sources per user doubles the credits. This is our calculation, not a quote.

[Permalink](https://aifitnessapi.com/pricing/terra-api-pricing#faq-3)

### Does Terra's Quick Start plan include a BAA?

No. As of November 4, 2026, Terra's pricing page lists a signed BAA (data protection agreement) among the Enterprise plan's items, alongside tailored MSAs and SLAs, a dedicated server and data storage, and Enterprise is a custom quote. Whether your product needs a BAA depends on your role under HIPAA.

[Permalink](https://aifitnessapi.com/pricing/terra-api-pricing#faq-4)