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Credits & Usage

Credits are how Rephlo meters your AI usage. Every plan comes with a monthly credit allowance, and each AI request you run — rewriting text, chatting, summarizing — spends some of that allowance based on the model you use and the length of the request and response. This page explains how credits are counted, how rollover works, your per-plan speed limits, and where to track everything.

How credits work​

  • Your plan gives you a monthly credit allowance (for example, 50 credits on Free, 1,000 on Pro, 2,200 on Pro Plus — see Plans & Pricing).
  • Each AI call deducts credits from your balance. More capable models and longer inputs/outputs cost more credits.
  • Your allowance refreshes at the start of every billing period. Unused credits may partially roll over (details below).
  • You can always see what you have left on the Usage page in your account.

Credit rollover​

Unused credits can carry into the next month, up to a cap that depends on your plan. Anything above the cap, or older than the rollover window, expires.

PlanRolloverApprox. rollover cap
FreeNone—
StarterUp to 25% for 1 month~125 credits
ProUp to 25% for 1 month~250 credits
Pro PlusUp to 50% for 1 month~1,100 credits
EliteUp to 50% for 1 month~2,000 credits
Team / Team BYOK / EnterpriseNo rollover—

Rollover gives you a one-month cushion — it is not a way to bank credits indefinitely.

Rate limits (speed limits)​

Separate from your monthly credit total, each plan has rate limits that cap how fast you can send requests. These protect service quality and reset continuously (per minute), so a brief pause clears them.

  • RPM — requests per minute (how many AI calls you can start each minute).
  • TPM — tokens per minute (the total amount of text processed each minute).
PlanRequests / min (RPM)Tokens / min (TPM)
Free1010,000
Starter2030,000
Pro3050,000
Pro Plus60100,000
Elite120200,000
Team60100,000
Team BYOK120500,000
Enterprise300Configured by contract

If you hit a rate limit you'll briefly see a "too many requests" notice — just wait a few seconds and try again. Hitting a rate limit does not cost credits.

The Usage page​

Your account's Usage page is the single place to see where your credits go. From there you can:

  • See your current period total credits, credits used, and credits remaining.
  • See the period start and end dates so you know when your allowance resets.
  • Browse previous months with the period selector (up to a year of history).
  • See a model breakdown showing which models consumed the most credits.
  • Export your usage data for your own records.

This makes it easy to spot a heavy day, compare models, and decide whether you need a higher plan or a one-time top-up.

When you run out of credits​

What happens when your balance reaches zero depends on your plan:

  • Free and Starter stop AI requests once credits are exhausted — you'll see a clear "out of credits" message until your allowance resets or you top up / upgrade.
  • Pro and above see overage notices and can keep working by buying a credit pack or upgrading.

To keep going you can:

  1. Buy a one-time credit pack (Starter and above).
  2. Upgrade your plan for a larger monthly allowance and higher limits.
  3. Wait for your allowance to reset at the next billing period.

Team and organization credits​

Team, Team BYOK, and Enterprise plans use a shared credit pool instead of separate per-person balances. The pool size is roughly the per-seat allowance multiplied by the number of seats, and everyone draws from the same pool.

  • Owners and admins can see the full pool — total, used, and remaining — in workspace billing.
  • Regular members see their own per-seat allowance with a note that the rest is covered by the organization, rather than the exact pool totals.

For how seats and the pool fit together, see Teams & Organizations.