Agent credit costs are variable. The same agent might cost 2 credits for a quick question and 200 for a deep research task. You pay for what the agent actually does, not a fixed per-message price.
What a credit is worth
1 credit = $0.005
$1 buys 200 credits.
Model calls bill at cost
Divide the model cost by $0.005: a $0.03 model call is 6 credits.
What you pay for
An agent chat is billed in real time, and its total is the sum of four things.Chat & Reasoning — the biggest part of most chats
Chat & Reasoning — the biggest part of most chats
Priced on the tokens each message uses, converted from the model’s cost at $0.005 per credit. Three things drive it:
- The model you pick. Faster, smaller models cost less per token than frontier models. See AI Models.
- Conversation length. Every message carries the earlier conversation as context, so longer chats cost more per message.
- How many tools are connected. Each tool adds its definition to the prompt, which adds tokens.
Tool Calls — 1 credit minimum, some tools charge more
Tool Calls — 1 credit minimum, some tools charge more
Every successful tool call costs at least 1 credit. Failed calls are not charged.
- Reading and writing to apps like Slack, Google Sheets, and Gmail costs that 1 credit and nothing more.
- Tools that enrich or fetch external data, such as Apollo lead enrichment or Firecrawl web scraping, add their own charge on top.
Compute — active processing time only
Compute — active processing time only
5 credits per session-minute of active processing, with a minimum of 1 credit per response.Waiting on you to reply costs nothing — only the time the agent spends working counts. Enterprise customers running Gumloop in their own VPC are not charged for compute at all, since it runs on their infrastructure.
Orchestration Fee — 8% of the rest of the run
Orchestration Fee — 8% of the rest of the run
Example: researching a lead
You ask an agent to research a sales lead with Apollo, then summarize whether they are a good fit:
Had the agent only read a Google Sheet and summarized it, the tool side would be just the 1 base credit, since Google Sheets charges nothing extra.
Plans and included credits
Every new account starts with a 14-day free trial of Pro. The trial requires a card, is a one-time offer per customer, and rolls into a paid Pro subscription when it ends unless you cancel first.
To cancel a trial or a paid plan, open Manage Subscription on your Usage & Limits page (Settings > Organization > Usage & Limits). Cancelling during the trial stops the card from being charged when the trial ends.
Running out of credits
Enable credit overage on your Usage & Limits page to keep running past your monthly credits, billed at $0.005 per credit. Pro overage is always capped. The default ceiling is 1,000,000 overage credits per billing period ($5,000), and you can set a lower cap on that page. Agents stop once the cap is reached, so overage can never run away unbounded. Enterprise plans set their own cap, or can choose to run uncapped. Need consistently more? Upgrade from the pricing page or talk to us about Enterprise.Billing questions
For anything about the money side of your account — invoices, receipts, payment methods, purchase orders and procurement paperwork, tax or VAT details, or a charge you do not recognize — email accounting@gumloop.com.Enterprise billing — custom credit allocations, negotiated rates, annual invoicing — goes to the same address. For product or technical issues, use support@gumloop.com or open a ticket instead.
Where to see what a chat cost
The running cost of a conversation appears next to the chat’s name in the chat header and updates live. For the full breakdown, select that credit count to open the chat’s details drawer. Alongside the chat’s source, trigger, creation time, models, and participants, it lists one row per credit type the chat was actually charged for — Chat & Reasoning, Tool Calls, Compute, Orchestration Fee, Evaluation & Self-Improvement, Subagents, Model Routing (when the agent is set to Auto), or Other.Credits that were waived rather than charged (BYOK model calls, and compute for VPC organizations) still appear, struck through and labelled Free, so you can see what the run would have cost.
Tracking usage over time
Insights dashboard
Insights dashboard
The Insights dashboard (Settings > Organization > Insights) is the best place to see credit spend across all your agents. It shows total credits spent for the selected period, a credit spend and volume chart, and leaderboards of your top agents and models.The tabs let you dig deeper: Models breaks spend down by AI model, and Credit Explorer lets you slice usage.
The Insights dashboard is an Enterprise feature.
Credit logs
Credit logs
For a transaction-level view, open Settings > Profile > Usage & Limits:
- Grouped view (default): one row per agent conversation, showing its total. Expand a row to see the individual charges inside it.
- Detailed view: one row per individual charge, with the exact type and amount.
Ask the analytics agent
Ask the analytics agent
You can also ask about credit usage in plain language. The analytics agent answers questions like “how many credits did we spend in the last 30 days, broken down by user?” and returns tables, charts, or CSV exports. It is available on the Insights page (Settings > Organization > Insights) and in Slack.
Export
Export
Export credit logs as CSV from Settings > Organization > Data Export for external analysis or compliance.
Reducing credit costs
- Pick the right model. Start with the Recommended preset in Agent Preferences. Use Auto when message difficulty varies, and only reach for Smartest when a task needs deep reasoning. See AI Models.
- Bring your own key (BYOK). Run model calls on your own provider key and the Chat & Reasoning portion drops to 0 credits (Pro plan or higher).
- Start fresh conversations. A new chat for a new topic avoids carrying old context that inflates token costs.
- Stay inside the short context window. GPT-5.6 and Grok 4.5/4.6 charge higher long-context rates once a request’s input tokens pass the short-window boundary (272K and 200K), and the higher rates apply to the whole request. Picking the smaller Context Window in AI Advanced Settings keeps chats on those models under the boundary.
- Connect only the tools you need. Every tool definition adds tokens to the prompt.
How BYOK works
How BYOK works
Gumloop runs your model calls on your key and charges you 0 credits for them — you pay your provider directly for the tokens instead.
Because the model spend leaves your credit balance entirely, agent chats on BYOK carry a 16% orchestration fee instead of 8% (your Enterprise rate plus 8 points, if you have one), calculated on what the run would have been worth.In practice BYOK is still far cheaper. Taking the chat from the example above — 400 credits of model usage, 10 of compute, 15 of tool calls:
You cover the model tokens directly with your provider instead.Requires Pro plan or higher and your own OpenAI, Anthropic, Google AI, Perplexity, SpaceXAI, or Fireworks AI account. Each key only waives the models that provider serves — a Fireworks key covers the open models Gumloop runs on Fireworks (DeepSeek V4 Flash and Pro, Kimi K3, Kimi K2.7 Code, GLM-5.2, MiniMax M3, Qwen3.8 Max).Add a key under personal credentials at Connectors, or add a shared team key for the whole team. Enterprise admins can set organization-level keys. See AI Models.
Credit Notification Preferences
Gumloop can email you when your organization’s credit usage crosses key thresholds. Manage these on your Usage & Limits page.- Out of Credits Notification: an email when credits reach zero. On by default.
- Credit Usage Notifications: an email when usage crosses a threshold. Defaults to 75% and 90%. Add, remove, or reset thresholds as needed.
Per-Chat Credit Warnings
Admins and Security role holders can also set per-chat credit warnings through Custom Roles. When a single chat’s spend crosses a configured threshold (e.g. 5,000 or 10,000 credits), the agent pauses and creates an Action Request for approval before continuing, so no single conversation can consume an unexpected amount of credits.Interactive artifact costs
When you open an interactive artifact that pulls live data, a Python script runs in a secure sandbox. This is billed at roughly 1 credit per 55 seconds of runtime, with a minimum of 1 credit per run. The viewer pays, not the creator. Most scripts finish in seconds, so the typical cost is 1 credit per load.Learn more
AI Models
Choose the right model and set up BYOK
Pricing plans
Current plans, included credits, and overage
Why we moved to credits
The reasoning behind the model
Billing questions
Email accounting@gumloop.com about invoices, payment, and procurement