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AI credits: what a month costs, and how to work it out in advance

One credit is 100 tokens, one character of speech is two credits, one image is 350. What each plan includes, why topped-up credits never expire, and how to cost a feature before switching it on for a year group.

By Prins Naval Nuzeren3 min read

The question a school bursar asks about AI features is not "how clever is it". It is "what does a month cost".

That is the right question, and most providers do not answer it — because the usual answer is "it depends on usage", which means the bill is knowable only after it happens.

One unit for everything

Every AI feature here spends the same unit, at a fixed rate:

  • 1 credit = 100 language-model tokens. A token is roughly a fragment of a word; a paragraph runs into the hundreds.
  • 1 character of speech = 2 credits, for the features that read text aloud.
  • 1 image = 350 credits on the ordinary model, 700 on the one that can render readable text inside the picture.

Those two image models are not "basic and better". The expensive one exists for a specific need: pictures containing genuinely legible lettering, an infographic for instance. For a poster with no text in it, paying twice buys nothing.

What each plan includes

PlanCredits per monthRoughly
Free5,000500k tokens
Personal15,0001.5M tokens
Standard25,0002.5M tokens
Pro90,0009M tokens
Enterprise300,00030M tokens

The allowance runs per calendar month. The part worth knowing: topped-up credits never expire. The monthly allowance resets; credits you bought separately stay until spent.

Why this is more than a billing mechanism

A unit you can count means you can estimate before using it rather than after.

If one automatic summary costs around a thousand tokens, that is ten credits, and the Personal plan holds roughly fifteen hundred summaries a month. You can work that out on paper before switching the feature on for a whole year group.

Compare that with "unlimited AI" and an asterisk at the foot of the page. The limit is still there — it is simply not disclosed until you hit it, usually in the busiest week of term.

What separates the plans is not features

This gets misread when comparing pricing tables. Every plan contains the same complete LMS. Only two things rise with the price: credits and student numbers.

So there is no assessment feature held hostage on an upper tier. If your school needs to move up, it is because you have more students or more AI usage — two things you can see coming, rather than something that blocks you mid-term.

Before switching an AI feature on for a year group

  1. Estimate how often it gets used, per student, per month.
  2. Multiply by the estimated credits per use.
  3. Compare against your allowance, and leave room for a month busier than expected — usually the one before exams.

If the result exceeds the allowance, there are two options and both can be costed in advance: move up a plan, or buy credits that do not expire. There is no third option shaped like a surprise at the end of the month.

AI credits: what a month costs, and how to work it out in advance — Afisena