Monthly Credit Refills
Who gets a monthly credit refill, how much, and when.
Monthly Credit Refills
If you have an **active OwnerDraw subscription**, you get an automatic monthly refill of free AI credits.
How it works
- **Refill amount:** up to **500 credits** per calendar month
- **Cap:** your free credit balance can't exceed **1,000 credits** total — unused credits roll over up to that ceiling
- **Timing:** refills happen automatically the first time you visit the app each new calendar month (it's checked lazily — no fixed clock)
- **Eligibility:** you must have an **active** or **comped** subscription (or be an admin)
Example
- You finish January with **300 free credits** left.
- On Feb 1 you log in. The system tops you up to **500 credits** (a +200 grant is recorded).
- You finish February with **820 free credits** left (heavy month, no top-up needed since you're already over 500).
- On Mar 1 you log in. Your balance is over the refill amount, so no grant is added — but a "checked this month" timestamp is recorded.
Where it shows up
If your subscription lapses
> TIP: Free credits are the perfect baseline for everyday use — Ask OwnerDraw, occasional Loan Narrative regenerations, etc. Top up only if you're running heavy AI workloads in a single month.