> ## Documentation Index
> Fetch the complete documentation index at: https://docs.wiseguard.ai/llms.txt
> Use this file to discover all available pages before exploring further.

# AI agent credits

> What credits are, who gets them, what each tool costs, how they refill, and what happens when you run out.

## What credits are

Your agent spends AI agent credits when it changes something or sends email for you. Looking things up is free.

Every tool call checks your credits first. If you don't have enough, the tool does nothing and tells the agent why.

## Who gets credits

* **Paid plans** get a monthly allowance. The amount depends on your plan.
* **Trials** don't include credits.
* **Accounts with no plan** don't get credits.

Without credits, your agent can still look at your aliases and read your mail. It can't create, change or delete aliases, or send email.

## What each tool costs

These are the current costs. WiseGuard can change them.

| Tools | Credits per call |
| - | - |
| [`wiseguard_whoami`](/tools/account), [`wiseguard_list_aliases`, `wiseguard_get_alias`, `wiseguard_list_recently_deleted`](/tools/read), [`wiseguard_list_messages`, `wiseguard_read_message`](/tools/mail-read) | Free |
| [`wiseguard_rename_alias`, `wiseguard_pause_alias`, `wiseguard_resume_alias`](/tools/update), [`wiseguard_delete_alias`, `wiseguard_restore_alias`](/tools/delete-and-restore) | 1 |
| [`wiseguard_create_alias`](/tools/create) | 2 |
| [`wiseguard_reply_as_alias`, `wiseguard_compose_as_alias`](/tools/mail-send) | 5 |

You're only charged when a call succeeds. If a tool returns an error, it costs nothing.

<Note>
  When the agent gets back an alias you already have, or sends an email that was already sent, the call still succeeds, so it's still charged.
</Note>

## Refill and rollover

* Your credits refill on the **1st of each month (UTC)**. Each refill adds your monthly allowance.
* You get your first credits as soon as you're on a paid plan. You don't wait for the 1st.
* Unused credits roll over, but a refill never takes your balance above **2× your monthly allowance**. For example, with 200 a month you can hold up to 400.
* If your account goes read-only for a while, for example after a failed payment, you keep your credits but don't get new ones until it's active again.

## When credits expire

When your account loses access to WiseGuard, your remaining credits expire. That happens when your plan or trial ends, or after a refund. They don't come back. If you subscribe again later, you start with a fresh monthly allowance.

Cancelling doesn't expire them straight away. You keep your credits until the plan actually ends. WiseGuard warns you about this when you cancel.

## Check your balance

Ask your agent:

```text wrap theme={null}
How many AI agent credits do I have left?
```

The agent calls [`wiseguard_whoami`](/tools/account), which reports your balance. You can also see your balance and monthly allowance in WiseGuard under **Settings → AI agents**.

## When you run out

The tool refuses before it does anything, and the agent gets one of these messages:

When you get monthly credits but have run out:

```text wrap theme={null}
This action costs 5 AI agent credits and the user has 3. Credits refill on the 1st of the month (UTC). Don't retry before then.
```

When your plan doesn't include credits, for example on a trial:

```text wrap theme={null}
This action costs 2 AI agent credits and the user has 0. Credits come with a paid WiseGuard plan; the user can get one at https://dashboard.wiseguard.ai/billing. Don't retry.
```

The numbers are what the action costs and how many credits you have left.

The agent shouldn't keep retrying. Wait for the refill on the 1st, or pick a paid plan at the billing page in WiseGuard.


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