# Pricing Your Tools Accordingly & Credit System in Login Mode {% embed url="" %} **🧠 What Are Credits?** Credits are the internal currency you assign to your tools. You decide how many credits each tool uses per action. * **SmartForms** = 1 credit per submission by default * **CoPilots (chat tools)** = 1 credit for **each back-and-forth interaction** (every message reply) You can adjust the number of credits per tool to reflect the cost, complexity, or value it provides to your end users. > 💡 **If you want unlimited usage for a plan, just set the credit number to a very high number (e.g., 999999).** **💸 How Should I Price My Credits?**
Every tool is different, and usage cost depends on what engine you use (e.g., GPT-4o) and how much output is being generated. Here are a few guidelines: | Example Tool | Token Usage (est.) | OpenAI Cost | Suggested Credit | Why | | ----------------------------------------- | ---------------------- | ----------- | ------------------ | ---------------------------------------------- | | SmartForm w/ multiple GPT-4o prompts | \~1000 tokens | \~$0.01 | 1 credit | Simple single submission | | CoPilot chat using GPT-4o (back & forth) | \~200 tokens per reply | \~$0.002 | 1 credit per reply | Chat is incremental; credit mirrors each reply | | SmartForm with long output + Web crawling | \~3000 tokens | \~$0.03 | 3–5 credits | Higher value + cost to run | As of when this article was published (June 4, 2025), [OpenAI’s GPT-4.1 model costs approximately **$0.40 per 1 million tokens**](https://openai.com/api/pricing/) for input and output combined. For reference, a typical SmartForm submission that uses 1,000 tokens (input + output) would cost you about **$0.0004**—less than a tenth of a cent. A CoPilot that sends and receives a 200-token message would cost around **$0.00008** per exchange. This means even tools using GPT-4o heavily can remain highly profitable when priced thoughtfully through the credit system. Let’s say you’ve built a toolset for real estate agents that includes: 1. A **SmartForm** that generates a customized property listing description (uses \~1,500 tokens per submission) 2. A **CoPilot** that helps agents write email follow-ups to leads (uses \~250 tokens per message) You price the SmartForm at **2 credits** per submission and the CoPilot at **1 credit per reply**. Now imagine one of your users submits 10 listings through the SmartForm and has 20 back-and-forth chats with the CoPilot in a week. That’s: * **10 × 1,500 tokens = 15,000 tokens** * **20 × 250 tokens = 5,000 tokens** * **Total: 20,000 tokens = $0.008 in OpenAI cost** If they used 30 credits total that week (2 × 10 + 1 × 20), and you sold them a $19 plan for 100 credits, you just delivered a real business use case at an incredibly low cost, while keeping **95%+ margin** on your pricing. \ If you're still unsure how many tokens your tool is using: * [Add a **custom OpenAI API key** to the Toolset (in settings)](/formwise/core-tools/toolsets.md): * Track usage inside your [**OpenAI account dashboard** ](https://help.openai.com/en/articles/10478918-api-usage-dashboard)under "Usage" **🧾 You Are Not Selling Tokens** It’s important to understand—and to frame for your own customers—that you’re not reselling OpenAI tokens. You’re charging credits for **the outcome your tool provides**: * A market analysis report * A quiz result with recommendations * A CoPilot that helps someone outline a legal document, copy, etc This is **value-based pricing**, and the credit system is just your way of managing fair usage. **🔧 Setting Plans in Login Mode** Inside your toolset (when Login Mode is on): 1. Go to **Plans** 2. Add one or more pricing plans (monthly, one-time, etc.) 3. Assign how many credits that plan gives access to 4. You can also allow users to bring their **own API key** (this lets them run your tools without using your credits) > 🔄 Want your users to never run out? Just give your plans a massive credit allotment (e.g., 999999 credits = "unlimited") **💼 Final Thoughts on Profitability** Keep your OpenAI usage cost in mind as you assign credits. * GPT-4o is cheaper per token than GPT-4 Turbo or GPT-3.5 for most cases * Some SmartForms will cost more if they chain multiple prompts or use long documents * Track usage manually in OpenAI dashboard if needed The key: make sure your pricing reflects both **value delivered** and **usage cost**. Credits give you the flexibility to stay profitable. If you ever need help pricing a tool or understanding token usage, reach out—we’ll help you model it out. #### 💬 Frequently Asked Questions (FAQs) **Q: How many credits should I assign to my SmartForm or CoPilot?**\ A: By default, it’s 1 credit per SmartForm submission or per CoPilot message exchange. If your tool is more complex (e.g., multiple prompts, long outputs, or third-party API calls), you may want to increase the credit cost to reflect higher value and token usage. *** **Q: How can I track how many tokens my tool is using?**\ A: Add your own OpenAI API key to the Toolset (in settings), then monitor usage inside your OpenAI dashboard. This will show you how many tokens are consumed per tool and help you estimate the true cost. *** **Q: Can I give users unlimited credits?**\ A: Yes. Simply assign a very large number of credits to the plan (like `999999`). This will effectively behave as unlimited for most users. See the [setting up your subscription plans knowledgebase](/formwise/advanced-features/login-mode-and-monetization/setting-up-subscription-plans.md) article. *** **Q: What happens when a user runs out of credits?**\ A: [They’ll be prompted to upgrade or purchase additional credits based on how you’ve set up your plan options in Login Mode. ](/formwise/advanced-features/login-mode-and-monetization/setting-up-subscription-plans/creating-one-time-credit-add-ons.md)You control what happens next. *** **Q: Can my users bring their own OpenAI key?**\ A: Yes. You can enable “Bring Your Own Key” in the Toolset settings. This means users will power your tools with *their* API key instead of using credits from your plan. *** **Q: Am I allowed to resell OpenAI tokens through FormWise?**\ A: No. You are not reselling tokens. You are selling access to **your tools and expertise**, and pricing it based on value and outcomes. Credits are just your internal system for managing usage. *** **Q: How do I know if I’m profitable?**\ A: Estimate your tool’s average token usage, multiply it by OpenAI’s cost per 1,000 tokens, and compare it to your credit price and plan pricing. You can track actual usage in your OpenAI account if using your own key. --- # Agent Instructions: Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter: ``` GET https://manual.formwise.ai/formwise/advanced-features/login-mode-and-monetization/setting-up-subscription-plans/pricing-your-tools-accordingly-and-credit-system-in-login-mode.md?ask= ``` The question should be specific, self-contained, and written in natural language. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. 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