Figma pricing

I want to decide whether Figma (figma.com) is the right tool and which plan to pick.
Below is what the StableMRR pricing directory read from Figma's own pricing page (last checked 2026-10-29). It can be out of date, so treat it as a starting point.

Category: Design / UI and UX design
What it does: Collaborative design platform for creating, prototyping, and shipping digital products with design, code, and AI tools.
Plans:
- Starter: Free. Limits: AI credits 150 AI credits/day, up to 500 AI credits/mo. Includes: Unlimited drafts, UI kits and templates, AI credits included
- Professional: -. Limits: Full seat AI credits 3,000 AI credits/mo, Dev seat AI credits 500 AI credits/mo, Collab seat AI credits 500 AI credits/mo. Includes: Unlimited files and projects, Team-wide design libraries, Advanced Dev Mode inspection, MCP Server
- Organization: -. Limits: Full seat AI credits 3,500 AI credits/mo, Dev seat AI credits 500 AI credits/mo, Collab seat AI credits 500 AI credits/mo. Includes: Publish resources across teams, Shared libraries and fonts, Centralized admin tools
- Enterprise: Contact sales. Limits: Full seat AI credits 4,250 AI credits/mo, Dev seat AI credits 500 AI credits/mo, Collab seat AI credits 500 AI credits/mo. Includes: Custom team workspaces, Design system theming and APIs, SCIM seat management
Alternatives in the directory: CopyDesign, 1UI, Angular Material Blocks, 240fps
Pricing page: https://www.figma.com/pricing/
Directory listing: https://stablemrr.com/p/figma-com

First ask me three short questions about my team size, budget and what I need it for. Then recommend one plan, tell me what could make it a bad fit, and compare it with the alternatives. Finish with what I should check on the vendor's site before I pay.