Plan Quotas
Your monthly AI quota depends on your subscription plan:
Auto-switch starts off on the Free plan on purpose: a free user should never
burn credits on AI by surprise. Turn it on yourself if you want messages to
keep working past the quota.
Complex queries with longer responses consume more input / output tokens and
will fill up your quota faster.
Usage Costs
AI usage is metered by tokens, not by message. Each model has a price per million input and output tokens, and each message costs the tokens it actually uses. Three things raise the cost of a message:- Longer prompts and longer answers. More tokens in, more tokens out.
- Bigger models. Frontier models price higher per token than fast models.
- Agent Mode. Tool calls add context to the conversation, so agent runs use more tokens than plain chat.
When the quota runs out
Every message draws from your monthly quota first. What happens next depends on one toggle, Auto-switch to Credits, and your credit balance:- Quota remaining. The message is covered by your plan. Credits are untouched.
- Quota exhausted, auto-switch on, credits available. The message bills your credit balance instead. A message that lands exactly on the boundary splits: the remainder of the quota covers part, credits cover the rest.
- Quota exhausted, auto-switch off. The request fails with “AI chat quota exhausted. Enable credit spending to continue.” Turn the toggle on or wait for the monthly reset.
- Quota exhausted, auto-switch on, no credits. The request fails with “AI chat quota exhausted and no credits available.” Buy credits or wait for the reset.
- A leftover below one cent counts as exhausted. The panel then shows 100% used, and the next message already follows the rules above.
- In a team organization, the admin’s auto-switch setting wins. A member cannot spend org credits that an admin has locked, and the usage panel shows the effective policy, not your own toggle.
A worked example
A Free-plan user has used 80% of the monthly quota. The usage panel shows 80% used and “can send”. Both are true. 20% remains, so the next message is allowed. Now the user pastes a long paper and asksgpt-5.5 for a detailed summary.
At this model’s token rates, the message works out to:
- Input: 200,000 tokens = 20% of the monthly quota
- Output: 15,000 tokens = 9%
- Message cost: 29% of the quota, against the 20% that remains
Tracking Your Usage
Monitor your AI usage in real-time from your account dashboard:- Navigate to your account dashboard
- Go to Account > Usage > AI Chat Usage
- View your current consumption and remaining quota

- Monthly Quota — Progress bar showing percentage of your monthly AI quota used
- Status — Whether you’re currently using your quota or credits
- Renews — The date when your monthly quota resets
- Can Send — Whether you can currently send AI agent messages
- Auto-switch to Credits — Toggle to continue chatting with credits when your quota runs out
Tips for Efficient Usage
Consolidate Questions
Consolidate Questions
Ask multiple related questions in a single prompt rather than separate messages to reduce credit consumption.
Use Standard Chat for Research
Use Standard Chat for Research
Save Agent Mode for execution tasks. Use regular AI Chat for exploration and
learning.
Leverage Conversation Context
Leverage Conversation Context
The AI remembers your conversation, so you don’t need to repeat context in follow-up questions.

