Pricing & Credits

Wealthnow uses a single credit wallet per customer. Your subscription tier grants a monthly pool of credits and a rate limit; every API call draws from that pool. Above the included grant, paid tiers can spend into metered overage up to a hard cap.

How credits work#

• One wallet, both surfaces. Brain (completed-turn cost) and FIRM (per-call) debit the same credit balance.
• Monthly grant. Your tier includes a fixed number of credits that auto-refill each billing period.
• Overage. On paid tiers, you can spend past the grant (metered, billed as overage) up to a per-tier ceiling, after which calls hard-cap with a 402 usage_exceeded.
• Free hard-caps at the grant — no overage.
• Failed requests are non-billable: every non-2xx response, including 503 and 504, is free. Requests rejected before verification have no debit; an existing debit settles as a refund. Confirmed refunds report X-Credits-Cost: 0. If receipt settlement cannot be confirmed, X-Credits-Settlement: pending is returned and the cost and remaining-balance headers are omitted. Missing headers do not confirm a refund.
• Credit headers. A FIRM response that reached metering reports its outcome:
  • X-Credits-Cost: net credits charged after settlement (0 for a refund).
  • X-Credits-Remaining: wallet balance after the call.
  • X-Credits-Receipt: the identifier of the call's credit reservation. Quote it with the X-Request-ID value for billing questions.
  • X-Credits-Settlement: consumed (a successful call was charged), refunded (a failed call was not charged), or pending (the outcome was not confirmed when the response was sent, or a stream settles when it ends).

Rate card — FIRM data API (per call)#

Each FIRM call debits a flat per-product credit cost:

An unrecognized product defaults to 1 credit. Private Markets search and suggestions cost 5 credits and require Pro+ or the Private Markets add-on. Listing /api/v2/datasets costs 4 credits (funds, Starter+). /api/capabilities and health/status/monitoring routes are unmetered.

Rate card — Brain agent API#

For a successful, usable Brain response, credits equal the completed turn's authoritative USD cost multiplied by 2,500, rounded up:

credits = ceil(final turn cost in USD × 2500)

A turn is one metered event; internal FIRM tools do not each incur a separate FIRM per-call debit. The main-query token counters include cache usage, but can omit auxiliary model work included in the final cost. They are not sufficient to reconstruct the debit. See Brain billing and usage for both response formats.

max_tokens limits each provider response, not input tokens, tool calls, the whole turn, or dollar cost. It is not a spending limit.

Tiers#

Notes:

• Included credits is the monthly grant that refills at the start of each billing period.
• Wallet ceiling is the grant + overage headroom. On paid tiers you can spend up to the ceiling; the excess above your included grant is billed as metered overage. Past the ceiling, calls return 402 usage_exceeded.
• Free hard-caps exactly at its 1,000-credit grant — no overage.
• Overage rate is what each credit above your included grant costs, metered to Stripe and billed in arrears. It is separate from the Brain token→credit conversion below.
• copilot is bundled on Expert and Enterprise, or available as a $199/mo add-on on any paid plan.
• brain (the agent API) is Enterprise-only. Pro and below call the FIRM data products directly.

À-la-carte add-ons#

Buy a single premium product on top of any paid plan — each add-on is its own subscription that unlocks the product and adds a monthly credit pack to your shared wallet:

Add-ons require an active paid base plan (Starter, Pro, or Expert). They stack on top of your tier — a Starter customer can add Private Markets without upgrading to Pro. You cannot buy an add-on for a product your plan already includes (e.g. Options Flow on Pro): checkout rejects it, since the entitlement is already yours.

Annual billing#

Annual subscriptions appear in Wealthnow API → Plans when annual billing is configured for that tier: Starter $990/yr, Pro $4,990/yr, and Expert $9,990/yr (two months free). A tier without annual pricing remains monthly, even when the annual toggle is selected. Metered overage still bills monthly in arrears at the monthly plan's per-credit rate. Add-ons purchased through the console use the monthly price shown on their card.

What happens when you run out#

When the wallet is exhausted (or you reach your overage ceiling), calls return:

1HTTP/1.1 402 Payment Required2{ "ok": false, "error": "usage_exceeded", "detail": "credit balance exhausted — add credits or upgrade your plan", "request_id": "..." }

To restore service, top up or upgrade your plan in the dashboard. Credits refill automatically each billing period.

Spend cap and auto top-up#

Both controls are on the Billing page, and only workspace admins can change them. Other members see the settings read-only. They apply to paid plans; Free already stops at its grant.

Monthly spend cap. An optional limit, in whole US dollars, on metered overage in one billing cycle. There is no cap by default.

• When the cycle's overage reaches the cap, every API key in the workspace is paused and the workspace owner is emailed. One warning email is sent when overage reaches 80% of the cap.
• Usage is checked every 15 minutes, so overage can pass the cap by up to 15 minutes of usage before the keys pause. Everything that was served is billed; nothing is dropped from your invoice.
• The keys resume on their own when the billing cycle resets, or as soon as an admin raises the cap above the cycle's overage or removes it.
• A pause for an unpaid invoice, or for a key found in public, is separate. Raising the cap does not lift either of them.
• While keys are paused, API calls are refused: requests fail as unauthorized (401), and some metered endpoints can answer 429 billing_unavailable. The error does not name the spend cap yet; the Billing page and the email do.

Auto top-up. Opt-in. When a set share of the cycle's included credits is used (50%, 75% or 90%), Wealthnow buys a credit pack ($20 to $500) and charges your subscription's default payment method, at most 1 to 5 times per billing cycle.

• Bought credits cost $0.0004 each (2,500 credits per $1), less than overage on every paid plan: $0.0008 on Starter and $0.0005 on Pro and Expert. Unspent bought credits carry over to the next cycle.
• Usage is checked every 15 minutes, the same as the spend cap.
• Only an active subscription is charged: not during a trial, and not once the subscription is set to cancel or its payments are paused.
• If a payment fails, including a bank debit that fails after it started processing, or there is no default payment method, auto top-up turns itself off, nothing is charged, and the owner is emailed. An admin turns it back on after fixing the payment method. A failed payment still counts toward the cycle's limit, so it is not retried in the same cycle.
• A top-up that has not gone through yet is cancelled, never charged later, if auto top-up is turned off, the subscription or payment method changes, the billing cycle ends, or it cannot be completed within 30 minutes.
• Every charge that is taken is credited, even if auto top-up is turned off or the billing cycle ends while the payment is still settling. If a charge cannot be confirmed or credited automatically, our team reviews it, and auto top-up stays off until that review is done.
• Auto top-up charges are separate from the overage spend cap. They do not lift a spend-cap pause, and none are made while the keys are paused.

Estimating cost#

• A FIRM workflow that pulls a market quote (1) + a 13F lookup (4) + Copilot research (10) costs 15 credits for those three calls.
• Private Markets: one successful search (5) plus one company/{id} profile (5) costs 10 credits. Reuse returned IDs when you can.
• A Brain request uses the final USD-cost conversion above. Cache behavior, input context, model choice, and auxiliary work affect that cost; a short answer does not imply a small charge.

See api-reference.md for the full endpoint list, per-plan access, and error shapes.