Your Speak plan runs on credits. Each billing cycle your plan includes a pool of credits that you spend across everything you do in Speak: transcription, AI Chat, translation, the Meeting Assistant, and text notes. Credits carry a dollar value, so you can see what an action costs, and they reset at the start of each cycle.
One balance covers all of it. The same credits can go toward transcription or toward AI Chat, so you are not locked into separate buckets, and Speak shows the estimated cost before you run something.
What draws on your credits
- Transcription is based on the length of the audio or video you process, not the time you spend in the app. A 30-minute recording uses 30 minutes of transcription.
- AI Chat is based on how much text is processed: the transcript sent to the model plus the response generated.
- Re-transcribing a file runs the full pipeline again, so it draws on your plan again.
- Reviewing transcripts, reading insights, and exporting are free. Only processing new work draws on your plan.
Check your balance and usage
Open the profile menu at the bottom-left of the sidebar, then go to Settings > Billing > Usage to see your balance and what you have used this cycle. Your available balance and past invoices are under Settings > Billing > Payment & Invoices.
If you run low
You are never hard-blocked. When you go past what your plan includes, the extra usage is billed from your Speak Credit balance, a prepaid balance in US dollars that never expires, and then from your card. You can top up at any time.
Add prepaid credit
- Go to Payment & Invoices.
- Select Reload your credit.
- Enter the amount you want to add and confirm.
Speak AI charges the card you have on file and your balance updates right away. If you have not added a card yet, use Add a Card on the same page first. See payment methods for the full steps.
Accounts created before credits
Accounts that existed before the move to credits use the earlier model: a monthly allowance of transcription hours and AI Chat characters, plus a Speak Credit balance in US dollars for anything beyond it. If that is your account, your Usage page shows hours and characters instead of credits.
File size
On the free plan, each file can be up to 2 GB. Paid plans can upload larger files. See supported formats for the rest of the upload rules.
For current credit amounts and per-seat pricing, see speakai.co/pricing.
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Related: Credits calculator · Account · Plans and pricing · Payment methods