> ## Documentation Index
> Fetch the complete documentation index at: https://docs.insurestack.ai/llms.txt
> Use this file to discover all available pages before exploring further.

# Credit Types

> Understanding the three types of credits in InsureStack

## Overview

InsureStack has **three types of credits**, each with different rules for expiration, rollover, and priority.

Understanding how each type works helps you manage your credits effectively and avoid surprises.

## The Three Credit Types

<CardGroup cols={3}>
  <Card title="Monthly Free Credits" icon="gift" color="green">
    10 credits/month for everyone
  </Card>

  <Card title="Monthly Plan Credits" icon="credit-card" color="blue">
    30-2,000 credits/month (paid plans)
  </Card>

  <Card title="Purchased Credits" icon="cart-shopping" color="purple">
    \$1 each, valid 1 year
  </Card>
</CardGroup>

***

## 1. Monthly Free Credits

### What They Are

Everyone gets **10 free credits every month**, regardless of which plan you're on (including Free, Plus, Pro, Team, and Enterprise).

### Key Details

* **Who gets them:** Everyone, on every plan
* **How many:** 10 credits per month
* **How they refresh:** At the start of each billing period
* **Expiration:** End of your billing period
* **Rollover:** Do NOT roll over - use them or lose them
* **Priority:** **Used first** (before paid credits)

### Example

You're on the Plus plan (which gives you 30 plan credits + 10 free credits = 40 total):

* **Day 1 of billing period:** You have 40 credits (10 free + 30 Plus)
* **Throughout the month:** Your first 10 credit-consuming actions use your free credits
* **Actions 11+:** Start using your Plus plan credits
* **End of billing period:** Any unused credits expire
* **Day 1 of next period:** Fresh 10 free credits + 30 Plus credits

***

## 2. Monthly Plan Credits

### What They Are

Credits included with paid subscription plans (Plus, Pro, or Team).

### Key Details

* **Who gets them:** Paid plan subscribers only (Plus, Pro, Team)
* **How many:**
  * Plus: 30 credits/month
  * Pro: 350 credits/month
  * Team: 2,000 credits/month
* **How they refresh:** At the start of each billing period
* **Expiration:** End of your billing period
* **Rollover:** Do NOT roll over - unused credits expire
* **Priority:** **Used second** (after free credits are exhausted)

### Total Credits Per Plan

| Plan          | Free Credits | Plan Credits | **Total Monthly** |
| ------------- | ------------ | ------------ | ----------------- |
| Pay as you Go | 10           | 0            | **10**            |
| Plus          | 10           | 30           | **40**            |
| Pro           | 10           | 350          | **360**           |
| Team          | 10           | 2,000        | **2,010**         |

### Example

You're on the Pro plan:

* **Monthly allocation:** 10 free + 350 Pro = **360 total credits**
* **Usage order:** Free credits used first (credits 1-10), then Pro credits (credits 11-360)
* **End of month:** Any unused credits expire and don't carry over
* **Next month:** Fresh 360 credits (10 free + 350 Pro)

<Warning>
  Plan credits expire at the end of each billing period. If you consistently have credits left over, consider downgrading to save money. If you consistently run out, consider upgrading.
</Warning>

***

## 3. Purchased Credits

### What They Are

Credits you purchase à la carte for **\$1 per credit**. These work with any plan and stack with your monthly allocation.

### Key Details

* **Who can buy them:** Anyone on any plan
* **Cost:** \$1 per credit
* **How to get them:** One-time purchase via Billing page
* **Expiration:** Valid for **one year** from purchase date
* **Rollover:** **YES** - they carry over month-to-month until expiration
* **Stacking:** Stack with your monthly allocation and work across any plan
* **Survival:** Remain available if you upgrade, downgrade, or cancel your subscription
* **Priority:** **Used last** (after both free and plan credits are exhausted)

### Example: Credit Usage Order

You're on the Plus plan and have purchased 50 extra credits. Here's how InsureStack uses your credits:

**Your credit balance:**

* 10 free monthly credits
* 30 Plus plan credits
* 50 purchased credits
* **Total: 90 credits available**

**Usage order:**

1. **Credits 1-10:** Your 10 free monthly credits
2. **Credits 11-40:** Your 30 Plus plan credits
3. **Credits 41-90:** Your 50 purchased credits

## Quick Reference Table

| Feature                   | Monthly Free          | Monthly Plan          | Purchased            |
| ------------------------- | --------------------- | --------------------- | -------------------- |
| **Amount**                | 10/month              | 30-2,000/month        | \$1 each             |
| **Who**                   | Everyone              | Paid plans only       | Anyone               |
| **Expiration**            | End of billing period | End of billing period | 1 year from purchase |
| **Rollover**              | No                    | No                    | Yes                  |
| **Priority**              | 1st (used first)      | 2nd                   | 3rd (used last)      |
| **Survives plan changes** | N/A                   | N/A                   | Yes                  |
| **Cost**                  | Free                  | Included in plan      | \$1 per credit       |

***

## Frequently Asked Questions

<AccordionGroup>
  <Accordion icon="circle-question" title="Do unused monthly credits roll over?">
    No. Both free monthly credits (10) and plan credits (30/350/2,000) expire at the end of each billing period. Only purchased credits roll over.
  </Accordion>

  <Accordion icon="circle-question" title="What happens to purchased credits if I cancel my subscription?">
    They remain in your account and are still usable for one year from purchase. You'll still have access to them even on the free Pay as you Go plan.
  </Accordion>

  <Accordion icon="circle-question" title="Can I buy credits in bulk?">
    Yes. There's no limit to how many purchased credits you can buy at once. They're all valid for one year from the purchase date.
  </Accordion>

  <Accordion icon="circle-question" title="If I upgrade mid-month, do I keep my unused credits?">
    When you upgrade, you immediately receive the new plan's full monthly allocation. Your previous monthly plan credits don't carry forward, but any purchased credits remain available.
  </Accordion>

  <Accordion icon="circle-question" title="How do I know which type of credit I'm using?">
    You don't need to track this manually. InsureStack automatically uses credits in priority order: free → plan → purchased. Check your Balance Display to see your total remaining credits.
  </Accordion>
</AccordionGroup>

***

## Next Steps

<CardGroup cols={2}>
  <Card title="View Plans" icon="list" href="/billing/plans">
    Compare subscription plans and pricing
  </Card>

  <Card title="Purchase Credits" icon="cart-shopping" href="/billing/purchasing">
    Buy additional credits or upgrade
  </Card>

  <Card title="Plan Changes" icon="arrows-up-down" href="/billing/plan-changes">
    Learn about upgrades and downgrades
  </Card>

  <Card title="Billing FAQ" icon="circle-question" href="/billing/faq">
    More billing questions answered
  </Card>
</CardGroup>