Credits system

The meinGPT credits system enables fair and transparent billing for AI usage. Every interaction with AI models consumes credits depending on the model chosen, the length of the conversation, and which features are used.

What are credits?

Credits are the consumption currency inside meinGPT:

• 1 credit = €0.01 (1 cent)
• Prepaid system — credits are purchased ahead of time and managed at the workspace level
• Workspace-wide — members, teams, assistants, and workflows all draw from the same balance

Credits are managed by workspace admins. As a user you see your share of consumption and possibly your personal usage limit — but typically you don't purchase credits yourself.

How credits are consumed

Credit consumption depends on three factors:

• Model choice — premium and reasoning models (Claude Opus, GPT-5.4 Pro, o3) consume significantly more per token than cheap models (GPT-5 Nano, Gemini 2.5 Flash). The per-token table is on the admin model overview.
• Input and output length — measured in tokens. Long conversations with verbose answers consume more than short questions.
• Feature usage — image generation, translation, audio transcription, and workflow steps have their own prices.

Example calculation

A chat with GPT-4o:

- Input: 523 tokens × 3.00 € / 1M = 0.16 credits
- Response: 1,247 tokens × 12.00 € / 1M = 1.50 credits
- Total: ~1.7 credits = 0.017 €

Tool calls don't carry their own flat fee - their inputs and outputs count as normal tokens of the surrounding chat response and are billed through the regular model budget.

A normal chat costs a few cents. Image generation, high-resolution models, and complex workflows push consumption up significantly.

Where you see your usage

As a user you find your usage in two places:

• In the sidebar — small chart with your personal usage limit (if an admin has assigned you a usage tier). Hover to see details.
• In your profile — under Settings → Profile you see the consumed budget, the total of your limits, and the split across categories (text generation, image generation, API usage, other features).
• In the chat itself — once a single message (from roughly 10 credits) or the whole chat (from roughly 50 credits) gets unusually expensive, a banner appears above the input field with a cost estimate for your next message and a "Switch to a cheaper model?" link.

When you hit your limit, you get a warning at 50 %, 75 %, 95 %, and 100 %. At 100 % other models get disabled for you, but you can still manually select our free model (GPT-5 Nano) and keep working with it — you don't get locked out completely. The warning dialog lets you request an upgrade to the next-higher usage tier. This fallback only applies to the text generation category — image generation, API usage, and the "Other" category (translation, meeting summarization) have no fallback model and are fully blocked once their limit is reached.

Cents vs. euros — important note

In the platform, amounts are sometimes shown in credits (= cents), sometimes in euros:

• Credits are cents. 8,500 credits = 85.00 €.
• Euro amounts read directly.

If a number looks surprisingly large, always check the unit. The platform tries to label the unit explicitly everywhere.

Using credits efficiently

A few tips that matter most in practice:

• Match the model to the task — use cheap models for simple tasks, premium models only where you really need them. The gap between the cheapest and most expensive models is 10–30×.
• Keep conversations focused — when the topic changes, start a new chat instead of continuing in a long thread. Long threads are sent as input in every new turn.
• Use workflows and assistants for recurring tasks — they reduce manual input and often use cheaper models for individual steps.
• Image generation with care — high-resolution images (GPT Image 1) cost from 0.30 € per image, fast models (FLUX.2 Klein) from 0.018 €.

Frequently asked questions

Do credits expire? No. Purchased credits remain valid indefinitely.

Can I return credits? Already purchased credits can't be returned. For special cases, reach out to our support.

What happens when the workspace balance hits zero? AI features are paused until your admin tops up. To prevent this, the admin can set up automatic top-up.

What happens when only my personal limit is hit? Other models get disabled for you, but you can still manually select our free model and keep working with it — answers will be a bit less capable. The warning dialog lets you request an upgrade to the next-higher tier. Image generation, API usage, and "Other" have no fallback model: once that category's limit is reached, further requests in that category are blocked until the next billing period or a tier upgrade.

How accurate is the forecast? The usage forecast is based on your historical usage and is a guideline — not a guarantee.

For workspace admins

If you manage your workspace's balance: