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Credits are the currency that powers your agents on Gumloop. Every agent conversation spends credits based on the AI model it uses, the tools it calls, and how long it runs.
Agent credit costs are variable. The same agent might cost 2 credits for a quick question and 200 for a deep research task. The cost depends on what the agent actually does, not a fixed per-message price.

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What you pay for

Every agent conversation is billed in real time. The total is made up of three things:
ComponentWhat it covers
Chat & ReasoningThe AI model reading your message, thinking, and writing a response. Priced on the tokens used. This is the biggest part of most conversations.
Tool CallsCredits some integrations charge when the agent uses them, either per call or per result returned.
WorkflowsIf the agent runs a workflow, that workflow’s full cost is added to the chat. See Workflow credits below.
Most tool calls are free. Reading and writing to apps like Slack, Google Sheets, and Gmail adds no tool credits. The tools that charge are usually ones that enrich or fetch external data, such as Apollo lead enrichment or Firecrawl web scraping. Each tool’s MCP catalog page notes whether it costs credits.
A few things drive the Chat & Reasoning cost:
  • 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.
One message can trigger several AI steps. When an agent uses tools, it loops: decide which tool to call, read the result, then respond. Each step is billed separately, which is why a chat that uses tools costs more than a simple question.

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Example: researching a lead

You ask an agent to research a sales lead with Apollo, then summarize whether they are a good fit. Here is how that one task maps to credits:
What the agent doesCredit type
Pulls the lead’s data with Apollo enrichmentTool Call (Apollo charges for enrichment)
Reads that data and writes the summaryChat & Reasoning (your model’s tokens)
Had the agent only read a Google Sheet and summarized it, there would be no tool cost at all, just Chat & Reasoning, since Google Sheets is free.
To lower this chat’s cost, run the agent on a cheaper model or add your own API key (BYOK). Both reduce the Chat & Reasoning portion. The Apollo charge stays the same, since it is a third-party cost passed straight through.

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Where to see what a chat cost

The running credit cost of a conversation appears as a badge with a coins icon in the chat header, next to the agent’s name. It updates live as the conversation goes. For the full breakdown, open the Chat Details panel from the chat header. It splits the cost into Chat & Reasoning and Tool Calls (plus Workflows when the agent ran one), alongside the model and source of the chat.
Chat Details panel showing source, model, participants, and a credit breakdown split into Chat and Reasoning and Tool Calls

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Tracking usage over time

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Insights dashboard

The Insights dashboard (Settings > Organization > Insights) is the best place to see credit spend across all your agents and workflows. It shows total credits spent for the selected period, a credit spend and volume chart, and leaderboards of your top agents, models, and workflows.
Insights dashboard showing total credits spent, a credit spend and volume chart, and leaderboards for top agents, models, and workflows
The Insights dashboard is an Enterprise feature.
The tabs let you dig deeper: Models breaks spend down by AI model, Credit Explorer lets you slice usage, and Forecasts projects where your spend is heading.

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Credit logs

For a transaction-level view, open Settings > Profile > Usage & Limits. The credit logs table lists every credit event in your account:
  • Grouped view (default): one row per agent conversation or workflow run, showing its total. Expand a row to see the individual charges inside it (AI steps, tool calls, workflow costs).
  • Detailed view: one row per individual charge, with the exact type and amount.
Filter by category to focus on Agent Chats or Workflow Runs. Many rows include a View link that jumps straight to the source conversation or run. Organization admins and managers can see usage across all users at Settings > Organization > Usage & Limits, which adds a User column.

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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 Organization Analytics page and in Slack.

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Export

Export credit logs as CSV from Settings > Organization > Data Export for external analysis or compliance.

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Reducing credit costs

  • Pick the right model. Start with the Recommended preset in Agent Preferences. Use Fastest for simple, high-volume tasks, and only reach for Smartest when a task needs deep reasoning. See AI Models.
  • Bring your own key (BYOK). Use your own provider API key and AI model calls consume 50% fewer credits, in both agents (the Chat & Reasoning portion) and workflow AI nodes (Pro plan or higher).
  • Start fresh conversations. A new chat for a new topic avoids carrying old context that inflates token costs.
  • Connect only the tools you need. Every tool definition adds tokens to the prompt.

How BYOK works

When you bring your own provider API key, your AI model calls consume 50% fewer credits, since they run on your key instead of ours. In agents this applies to the Chat & Reasoning portion of every conversation, and in workflows it applies to AI nodes.The reduction applies to AI model calls only. Tool Call credits and the fixed per-node costs of non-AI workflow nodes are separate and are not affected.Requires Pro plan or higher and your own OpenAI, Anthropic, Google AI, Perplexity, or SpaceXAI account.Add a key under personal credentials at Connectors page, or add a shared team key for the whole team. Enterprise admins can set organization-level keys. See AI Models for details.

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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.

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Credit Notification Preferences

Gumloop can email you when your organization’s credit usage crosses key thresholds. Manage these on your Subscription page.
Credit Notification Preferences showing Out of Credits Notification toggle and Credit Usage Notifications with configurable thresholds at 75% and 90%
  • 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.
Set these up early so you have time to top up before running out.

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Per-Chat Credit Warnings

Admins and Security role holders can also set per-chat credit warnings through Custom Roles. When a single chat’s credit 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. This prevents any one conversation from consuming an unexpected amount of credits.

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Getting more credits

Credits don’t roll over month to month (except Enterprise plans).

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Workflow Credits

Most workflow nodes have fixed, per-node costs you can calculate before running. AI nodes are the exception: they are billed by token usage, the same way agents are.

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AI Nodes

AI nodes (such as Ask AI, Analyze Image, and Generate Report) are billed by token usage, the same way agents are, based on the model you pick and how many input and output tokens each call uses. There are no fixed per-call tiers, so a short prompt costs far less than a long-context one. With BYOK, AI node calls cost 50% fewer credits (Pro plan or higher). See the full per-node breakdown below. 
Total Cost = 1 credit (base) + Node costs
Every workflow costs 1 credit to execute, plus the cost of each node that runs.
Most native Gumloop nodes cost nothing:
  • Text manipulation (Combine Text, Text Formatter, Find & Replace)
  • Logic (If/Else, Switch, Router)
  • Loops (For Each, Loop Mode)
  • Data transformation (Filter, Join, Split)
  • Most integrations (Google Sheets, Slack, Gmail, Airtable, Salesforce, etc.)
  • Input/Output nodes
Simple Workflow (1 credit total): Read Google Sheet, filter rows, send Slack message. Only the 1 credit base cost, since all three nodes are free.AI-Powered Workflow: Read emails (0), categorize with an AI node, update Airtable (0), plus the 1 credit base. The AI node is billed by the tokens it uses, so its cost depends on the model and how much text it processes.Custom Node Workflow: Combine text (0), run an AI node (billed by tokens), plus a custom node (3) and the 1 credit base.Data Enrichment Workflow (121 credits total): Read Airtable (0), enrich 2 contacts (60 each = 120), update Salesforce (0), plus the 1 credit base.
Enrichment nodes get expensive in loops. Enriching 100 contacts costs 6,001 credits (1 + 60x100).
Hover over any node’s ’?’ icon to see its credit cost.
Failed workflows: if a workflow stops partway, you’re only charged for the nodes that ran before the failure.Loop mode: nodes in loop mode run once per item. Multiply the node cost by the number of items (e.g. a 60 credit Enrich Contact node over 10 contacts = 600 credits).

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