Magica review: an all-in-one AI agent with unforgiving credit rules

What Magica is today

Magica describes itself as an AI worker. Its explainer page says it brings together leading models, apps, a browser and a full computer, so a single plain-language request can turn into research, files, images, video, voice or music. It connects to services such as Google, GitHub, Slack and Notion, keeps generated media in a Library, and offers an API and MCP connection for developers, plus iOS and Android apps.

It is made by GalaxyAI Inc, the company named in both the terms and the privacy policy. The galaxy.ai homepage now presents GalaxyAI as a parent company and lists Magica among its products, calling it an all-in-one AI super-agent.

How the credit system works

Every paid tier is defined by a monthly credit allowance: 15 million on Hobby, 100 million on Pro and 200 million on Max. The help center explains that each request costs whatever its models, tools and processing require, that Magica holds an estimated amount while a task runs, and that you are charged the actual amount at the end. Annual plans still receive credits monthly, on your billing date.

What we could not find is a price list. The credits article gives no per-task figures, so you cannot tell in advance how many videos or agent runs 15 million credits buys. Magica points to a usage page in your account to see the breakdown after the fact.

The rule that should shape your decision

Credits do roll over, which sounds generous, but only while the subscription is active. The help center is blunt about what happens next: when a subscription ends, the entire credit balance is removed and becomes zero. That includes rollover you accumulated and add-on packs you bought separately, and the article says the credits cannot be recovered or reinstated. Coming back later means starting from zero.

Put that next to the refund policy, which makes every subscription payment final, and the risk is clear. Stockpiling credits is a bet that you will never let the plan lapse. If you work in bursts, buy the smallest tier that covers one project and avoid add-on packs near the end of a cycle.

Where your prompts go

The privacy policy draws a clear line for Magica itself: it states that Magica does not train or fine-tune AI models, covering prompts, files, outputs and content from connected services, and says you do not need to opt out. That is more explicit than most aggregators.

Because Magica runs other companies' models, your content travels to a long list of providers, among them OpenAI, Anthropic, Google, OpenRouter, fal, Replicate, xAI and Pinecone. The policy says those providers' retention, abuse-monitoring and training terms depend on the service and feature, and it gives no fixed retention periods of its own. You can delete chats, integrations or your whole account yourself, and the policy says Magica does not sell user data.

Terms worth knowing

• Ownership: Magica assigns you its rights in your output and does not restrict commercial use, though outputs may not be unique.
• Renewal: subscriptions renew automatically for the same term; the terms ask you to cancel at least one day before the term ends.
• Age: 13 and over, or 16 in Europe, with parental supervision under 18.
• Disputes: no arbitration clause; the terms point to US law and Wyoming courts.

Who it suits

Magica makes most sense for someone who already pays for several AI subscriptions and would rather have one bill and one agent that picks the model. It makes least sense for occasional users. Because payments are final and credits vanish when the plan lapses, the cheapest way to try it is a single month of Hobby at $14.99, watching the usage page to learn what your typical tasks cost before you consider a yearly plan or a bigger tier. Teams should budget for the pay-as-you-go credits on top of the $15 or $8 seat fee.