---
title: "Credits and usage"
description: "Your plan carries a credit pool spent across transcription, AI Chat, translation and the Meeting Assistant. Credits reset each billing cycle."
---

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

# Credits and usage

## How your plan works

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 always know what an action costs, and they reset at the start of each cycle.

## One flexible balance

Credits are flexible. The same balance can go toward transcription or AI Chat, so you are not locked into separate buckets. Speak shows the estimated cost before you run something, so there are no surprises.

## If you joined before credits

Accounts created before we moved 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.

## What counts toward usage

- **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.
- Reviewing transcripts, reading insights, and exporting are always free. Only processing new work draws on your plan.
- Re-transcribing a file runs the full pipeline again, so it draws on your plan again.

## Checking your usage

Open the profile menu at the bottom-left of the sidebar, then go to Settings > Billing > [Usage](https://app.speakai.co/profile/usage) to see your balance and what you have used this cycle. Your available balance and invoices are under Settings > Billing > [Payment & Invoices](https://app.speakai.co/profile/payment).

## If you run low

You are never hard-blocked. When you use more than your plan includes, additional usage is billed from your Speak Credit balance (a prepaid balance in US dollars that never expires), and then your card. You can top up anytime.

## File size

Free plans can upload files up to 2 GB each. Paid plans have no per-file size limit.

For current credit amounts and per-seat pricing, see [speakai.co/pricing](https://speakai.co/pricing/?utm_source=docs&utm_medium=referral&utm_campaign=help).

Visit this page in your account:

[https://app.speakai.co/profile/payment](https://app.speakai.co/profile/payment)

Select "Reload your credit".

A modal will pop up:

Enter the credit you would like to add.

Speak AI will use your attached credit card to deduct the defined amount.

Automatically, your credit will update in the account.

You will be able to use that credit to transcribe and analyze your media files.

## Don't have a credit card added?

On the same page, Select "Add a Card", fill out the details and hit "Add".

## Add credit to your Speak AI account

Visit this page in your account:

[https://app.speakai.co/profile/payment](https://app.speakai.co/profile/payment)

Select "Reload your credit".

A modal will pop up:

Enter the credit you would like to add.

Speak AI will use your attached credit card to deduct the defined amount.

Automatically, your credit will update in the account.

You will be able to use that credit to transcribe and analyze your media files.

## Don't have a credit card added?

On the same page, Select "Add a Card", fill out the details and hit "Add".

Evaluating Speak AI for a team? [Book a demo and see your own recordings analyzed](https://calendly.com/speak-ai/demo?utm_source=docs&utm_campaign=book-demo).

---
Related: [Account](/help/account/) · [Affiliate program](/help/account/affiliate-program/)

Source: https://docs.speakai.co/help/account/credits/index.mdx