Quick plan comparison
| Starter $97/mo | Unlimited $297/mo | Agency Pro $497/mo | |
|---|---|---|---|
| Sub-accounts | 3 | Unlimited | Unlimited |
| Core platform | Full (CRM, funnels, calendars, SMS/email) | Full | Full |
| Rebilling | No | At cost | With markup |
| SaaS Mode | No | No | Yes |
| Branded desktop app | No | Yes | Yes |
| API access | None / location-level | Basic | Advanced |
| Best for | One business | Growing agency | SaaS resellers |
Starter: who it fits
Starter carries the full core platform — CRM, pipelines, funnels, calendars, SMS and email marketing, reputation management — with three sub-accounts. It fits a single business that wants lead capture, follow-up automation and booking in one place. It does not fit an agency structure: no rebilling, no SaaS Mode, and API access is effectively absent.
Unlimited: who it fits
Unlimited removes the sub-account ceiling and adds rebilling at cost, a branded desktop app and basic API access. That is the classic agency plan: every client in their own sub-account, usage passed through at cost, your brand on the desktop app. What it still lacks is the resale layer — clients cannot be sold the platform itself.
Agency Pro: who it fits
Agency Pro is the SaaS play: SaaS Mode lets you sell client subscriptions with your own pricing and branding, rebilling supports markup, and automated sub-account creation plus advanced API make the model repeatable. If white-label resale is not your business model, $497 buys capabilities you will not use — Unlimited is the stopping point for most agencies.
$97 vs $297
The $200 jump buys one thing for single businesses (nothing essential — you still get three sub-accounts) and everything for agencies (unlimited clients). The deciding question is not feature depth but account structure: if you will exceed three client workspaces, the jump is inevitable; if you never will, Starter is complete.
$297 vs $497
The $200 from Unlimited to Agency Pro buys the resale business model: SaaS Mode, markup rebilling, automated sub-account provisioning. Agencies that bill clients for services stay on Unlimited; agencies that sell HighLevel subscriptions themselves move up. There is no gray area worth $200.
Annual billing
HighLevel publishes annual billing at roughly a 17% effective discount — approximately $970/yr for Starter, $2,970/yr for Unlimited and $4,970/yr for Agency Pro (about $81 / $248 / $414 per month equivalents), verified against the official pricing page in October 2026. The official trial is 14 days. There is no free plan, and an Enterprise tier exists with custom pricing. Verify the current annual figures before budgeting — the structure is stable, the numbers move.
Sub-account limits
Three on Starter, unlimited above. Note that “unlimited” refers to the account count, not to usage: each sub-account's SMS, calls and AI consumption still bills separately. The ceiling you care about is usually usage, not accounts.
SaaS Mode
SaaS Mode (Agency Pro) is what makes HighLevel a resale platform rather than a tool: clients subscribe under your brand, your pricing, your billing. If you are not reselling, it has no function — do not pay for it aspirationally.
Rebilling
Rebilling passes platform costs to clients: at cost on Unlimited, with markup on Agency Pro. The practical effect: client usage (SMS, calls, AI) can become client revenue instead of your cost. That single mechanic often justifies the plan jump on its own for agencies passing usage through.
API differences
Starter: none or location-level. Unlimited: basic API. Agency Pro: advanced API including automated sub-account operations. Only relevant if you build integrations — most users never touch the API and should not pay for it.
AI pricing
AI is a separate layer from the platform plan. AI Employee Growth costs $50 per location (~1,000 Conversation AI responses plus 100 combined Voice AI minutes); AI Employee Unlimited costs $97 per location with unlimited voice AI under fair use. Pay-per-use exists as an alternative, with component rates — voice engine, text-to-speech and model tokens — published in HighLevel's AI Product Pricing documentation and revised during 2026. The crucial separation: even “Unlimited” covers the AI portion only; phone-system telephony charges (roughly $0.012–$0.017 per minute by direction) bill on every plan.
Voice / SMS / email usage
SMS and email send through prepaid usage, not the plan: SMS is billed per segment (plus carrier fees), email per volume, calls per minute. A plan that looks like “$297 flat” is really “$297 + volume”. Our comparison pages state usage costs where the vendors publish them; budget usage separately from the subscription or the invoice will surprise you.
What can appear on a HighLevel bill?
| Layer | What it is | Billing |
|---|---|---|
| 1 · Base platform plan | Starter / Unlimited / Agency Pro | $97 / $297 / $497 per month (annual discount available) |
| 2 · Phone / SMS / email usage | Calls per minute, SMS per segment, email per volume | Prepaid usage on every plan — the largest variable |
| 3 · AI plan or pay-per-use AI | AI Employee Growth/Unlimited, or component rates | From $50/location; pay-per-use billed by usage |
| 4 · Optional add-ons | HIPAA, white-label mobile app, premium support, WhatsApp and similar | Separate per-item subscriptions |
Why the invoice exceeds the plan
The base plan is the floor, not the bill. SMS, calls and AI consumption are separate layers on every tier — a platform's real cost is decided by volume, which is why our comparisons state usage costs where vendors publish them.
Not-obvious costs
- SMS/call/email usage on top of every plan.
- AI Employee per location — and telephony still bills even on AI Unlimited.
- WhatsApp and similar channel add-ons where used.
- A2P 10DLC registration requirements for US texting.
- Migration and setup time — the platform's breadth is real work to configure.
Example scenarios
Solo marketer
Hypothetical exampleOne business, one pipeline, modest SMS volume.
- Plan
- Starter $97
- On top
- SMS/call usage
- Why not higher
- Three sub-accounts is more than one business needs
Hypothetical example — illustrative, not a benchmark.
Local service business
Hypothetical exampleMissed-call text-back, follow-up sequences, booking and reviews.
- Plan
- Starter $97
- On top
- SMS usage (text-back volume), optional AI Employee $50
- Why not higher
- No client accounts to manage
Hypothetical example — illustrative, not a benchmark.
Small agency (services, not resale)
Hypothetical exampleTen client accounts, per-client automation, usage passed at cost.
- Plan
- Unlimited $297
- On top
- Client usage rebilled at cost
- Why not Agency Pro
- No SaaS resale business model
Hypothetical example — illustrative, not a benchmark.
SaaS reseller
Hypothetical exampleSelling branded HighLevel subscriptions with markup.
- Plan
- Agency Pro $497
- On top
- SaaS Mode subscriptions, usage markup
- Why Agency Pro
- The resale layer exists nowhere else
Hypothetical example — illustrative, not a benchmark.
Which plan should you choose?
One business, one workflow: Starter. Multiple clients, services model: Unlimited. Selling the platform itself: Agency Pro. The plan question is structural — account count, rebilling, resale — not feature depth. Answer those three and the price follows.
HighLevel is this site’s affiliate partner: buying through this link may earn us a commission at no extra cost to you, and it does not affect our recommendations.
View HighLevel pricingWhen HighLevel is overkill
When the measured gap is one automatic SMS, an existing CRM already works, or the real requirement is field-service depth — dispatch, inventory, job costing. HighLevel is a platform; buying it for one feature is paying for a building to use one room. The missed-call comparison and the service-business CRM guide cover the smaller and the different purchases.
FAQ
| Question | Short answer |
|---|---|
| Is the $97 plan limited? | Not in core features — three sub-accounts, no rebilling/SaaS/API. |
| Does Unlimited include AI? | No — AI Employee is a separate per-location add-on. |
| Are phone calls included? | No — telephony bills per minute on every plan. |
| Can I downgrade later? | Plans change in the account; verify current terms on the official site. |
Compare the software behind the fix
Five verified products, five solution types — pricing and features checked against official documentation.
Sources & verification
Sources used in this article, checked on the dates shown. Pricing and features change — vendor pages are the current reference.
- HighLevel — pricing
HighLevel (official site) · verified 2026-09-12 · supports: Starter $97 / Unlimited $297 / Agency Pro $497 and plan structure
- HighLevel — AI Product Pricing Update
HighLevel (official support portal) · verified 2026-10-03 · supports: AI Employee Growth/Unlimited pricing and pay-per-use changes (May 2026)
- HighLevel — AI Employee Overview
HighLevel (official support portal) · verified 2026-10-03 · supports: Voice AI component rates and the separation of telephony charges
- HighLevel support — Missed Call Text Back configuration
HighLevel (official support portal) · verified 2026-09-12 · supports: Missed-call text-back behavior referenced in use cases