How AI Credits Work
What AI credits are, what they buy, and how to check your balance.
How AI Credits Work
AI credits power features that use artificial intelligence inside OwnerDraw — primarily the **Ask OwnerDraw assistant**, the **Loan Narrative generator** in Bank Ready, and AI helpers in the Trades and Materials modules.
What 1 credit gets you
- **Ask OwnerDraw question** — typically 1 credit per question (more for very long answers)
- **Loan Narrative letter generation** — a few credits, since it produces multi-paragraph professional copy
- **AI Trades helper** — a few credits per request
- **AI Material helper** — a few credits per request
The exact charge for each request is recorded in your transaction history.
Two kinds of credits
- **Free monthly credits** — granted automatically each calendar month while you have an active subscription. Caps at **1,000 credits**; refills bring you up to **500 credits** at the start of each month if you have less.
- **Purchased credits** — extra credits you buy as a top-up. They never expire and stack on top of your monthly free balance.
When you spend credits, the system uses your **free credits first**, then your **purchased credits**. This way your top-ups always last.
Where to see your balance
- **Current free credits** (this month's remaining allowance)
- **Current purchased credits** (your top-up balance)
- **Total available**
- **Last refill date**
- **Transaction history** — every grant, purchase, and spend with timestamps