Gardenly is the cheapest entry point in this comparison at $9 a month, and the number that decides whether it is a bargain is not the price. It is twenty: the number of designs the starter plan gives you.
Designing a garden is not one generation, it is a search. You try a style, decide the paving is wrong, try again, change the planting, realise you want the seating on the other side, try a different style entirely to check you are not missing something better. In practice people burn ten to fifteen attempts before a direction clicks, and that is on one part of the yard.
So twenty credits is roughly one honest exploration of one space. Front and back, or a change of mind next week, and you are out of credits or upgrading. The hundred-credit tier at $14 is the more realistic homeowner plan, and it is worth comparing that number, not the $9 one, against the alternatives.
The refund policy is unusually specific and worth reading: seven days, and only if you have generated no more than three designs. That is fair enough as a guard against people burning the whole allowance and refunding, but it does mean you get three generations to decide, so spend them on your hardest photo rather than your prettiest one.
Credit against what you get, though, and the bundle is good at this price: plant identification, maintenance schedules, a seasonal view and AI video are all included on both plans, and the video in particular is something most tools in this category, ours included, do not offer at all.