Leonardo's paid plans let unused fast tokens build up, and Free does not: Free's 150 daily tokens do not accumulate, while unused paid tokens roll over as long as the subscription stays active, up to a token bank of three months' allowance (25,500 tokens on Essential, 75,000 on Premium and 180,000 on Ultimate). A buyer with uneven months can size the plan for an average month and let quiet months cover busy ones, up to that cap. Free generations are also public, while paid plans can keep them private.
Starter Team is $72 a month at three seats of $24, with 75,000 shared tokens; three people on Premium pay 3 × $30 = $90 a month for the same 75,000 tokens in three separate balances. Leonardo shows the same Team prices on monthly and yearly billing, so against Premium billed yearly, at $24 a month, Starter Team costs the same and the difference is the shared pool. Growth Team works the same way against Ultimate: $144 a month for three seats and 180,000 shared tokens, against $180 for three Ultimate plans billed monthly or $144 billed yearly (our arithmetic from Leonardo's listed prices).
The API is a separate pay-as-you-go balance, and Leonardo states that API credit does not expire, while plan tokens carry over only up to the token bank.