For the operational guide on what uses credits, see Credits. This page covers the billing-side detail: how grants work, how the banking cap behaves, how runs are charged, and how top-up packs fit in.
What a credit is
Credits are fine-grained, usage-based units. Instead of a flat "one credit per pro-forma", each run is charged based on what it actually delivers: the substantive property data filled in, plus the AI work the run used. A bigger, more complete result costs more than a thin one.
Typical costs:
| Run | Typical credits |
|---|---|
| Full property analysis (Intel Report + pro-forma) | ~150 |
| Full analysis, small property | ~100 |
| Full analysis, large multi-unit property | ~300 |
| Financial pro-forma alone | ~30–110 |
Free signup credits
Every new Self-Serve organization gets 250 free credits on signup — enough for roughly one full property analysis — with no credit card required. This grant lands once; it does not renew monthly. When you subscribe to Self-Serve, you switch to the paid monthly grant below.
The monthly grant (Self-Serve)
At the start of each calendar month, paid Self-Serve accounts get +1,000 credits added to their balance — enough for roughly six to seven full property analyses. The grant is automatic and lands as a single transaction.
If you subscribe mid-month, your balance is topped up to 1,000 credits right away (leftover free credits aren't added on top), and the next refill arrives at the start of the following calendar month.
The banking cap
Unused monthly credits bank up to 4,000. Anything above the cap doesn't accumulate: if your balance is at 3,700 when the monthly 1,000 lands, you end up at 4,000 — the rest doesn't carry forward.
The cap limits the monthly refill only. Top-up packs aren't capped — a purchase can take your balance above 4,000, and those credits never expire (see below). The refill does count your whole balance, top-up credits included, so while you hold more than 3,000 credits the monthly grant is reduced (and skipped at 4,000 or more). Free signup credits count toward your spendable balance the same way; once spent, they are gone.
How runs are charged
Charges happen when a run completes, based on what it actually delivered. Nothing is deducted up front, and a failed run isn't charged — it never completed.
Operations that don't use credits:
- Saving manual edits to the pro-forma.
- Excel export and push-back from Excel.
- Instant property preview before you add a deal to a portfolio.
Smaller, usage-based charges:
- Re-running individual Intel Report sections (Comps, Taxes, etc.) — charged only for the sections you re-ran, not the whole property.
- Chat — each answer uses a small number of credits (at least 1), based on the AI work it takes.
- Document processing — uploads use a small number of credits based on their length (at least 1 per document).
Top-up packs
If you need more than the monthly allowance, an org admin can buy a top-up pack on the Billing page (/dash/settings/billing):
| Pack | Price |
|---|---|
| 150 credits (≈ one analysis) | $15 |
| 500 credits | $45 |
| 1,000 credits | $85 |
Top-ups apply instantly, stack on top of your monthly allowance, aren't limited by the 4,000 banking cap, and never expire.
Property deletion
Deleting a property does not refund credits. The research and AI work was already delivered when its runs completed, so the charge stands.
Refunds
We don't offer cash refunds for unused credits if you cancel mid-cycle. Banked monthly credits remain spendable until the end of your current billing cycle.
Running out
When your balance runs out:
- Existing analyses and data remain accessible.
- New Intel Report runs can't start until your balance is back above zero — when the monthly refill lands, you buy a top-up pack, or you upgrade to Enterprise.
- Work that's already running finishes and is billed as normal, even if that takes your balance below zero; the difference comes out of your next refill or top-up. On a paid plan, pro-formas on properties you've already researched can still run.
- Anything waiting to start shows Paused — out of credits and resumes automatically when you add credits — nothing to re-run.
Enterprise credits
Enterprise and Custom plans are metered too: they start with a 5,000-credit grant, and credits are added with each paid invoice. Enterprise credits have no banking cap and never expire.
Where to see your balance
The Billing page (/dash/settings/billing) shows "Credit balance: N credits remaining · M used this cycle", alongside your plan and the top-up packs. The Credit activity list on the same page shows where your credits went, day by day.