# Included Usage Credits

{% hint style="info" %}
Included plan credits and credit costs may change. Check your FormWise **Account** page for your current monthly quota.
{% endhint %}

Your FormWise plan includes credits that renew each billing cycle and is enabled by default.

| Plan   | Credits |
| ------ | ------- |
| Pro    | 5,000   |
| Agency | 10,000  |

For annual Pro and Agency plans, credits are provided up front. You’ll receive 60,000 credits on an annual Pro plan and 120,000 credits on an annual Agency plan. These credits renew with your billing period.

### API Keys

If you connect your own API key for any of the [supported engines](/formwise/advanced-features/ai-models-and-engines.md), FormWise will not consume your monthly credits and you will not be metered under [On-Demand Usage](#exceeding-your-credits) for requests using that key.

### How usage is calculated

Credit usage is calculated based on two separate meters, Engines and Actions.

#### Engines

Different models consume different amounts of credits based on their capabilities, simpler models use as few as 3 credits per generation, while the most advanced models may use up to 100 credits.

Exact credit costs for engines can be found inside the engine picker popup within your CoPilots and Smartforms.

#### Actions

Actions are things that your tool can do beyond text generation, see the table below for a breakdown of the Action and its corresponding credit cost.

<table><thead><tr><th>Action</th><th>Description</th><th width="100">Credits</th></tr></thead><tbody><tr><td>Web Searching</td><td>Every time a tool searches the web.</td><td>3</td></tr><tr><td>Web Scraping</td><td>Every time a tool scrapes a website.</td><td>1</td></tr><tr><td>Document Retrieval</td><td>Every time a tool fetches documents. A tool with multiple documents is the same number of credits as a tool with a single document.</td><td>1</td></tr></tbody></table>

## Exceeding your credits

If you exceed your included credits, you can enable **On-Demand Usage** in your Account page, it is **disabled** by default.

On-Demand Usage bills you based on what you use, so you don’t need to pre-purchase credits you may not consume. You can also set a maximum monthly spend limit to cap your usage.

**Why On-Demand Usage is useful**

* **No provider API key required.** FormWise handles access to supported engines.
* **One billing surface.** You avoid managing billing in both FormWise and an engine provider.
* **No provider-side rate-limit management.** You don’t need to track or tune provider rate limits for your own keys.


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