How credits work

What credits are, what spends them, the order your three pools drain in, and what a first build actually costs.

Credits are what building costs. One credit corresponds to one US dollar of usage. Understanding them takes two minutes and saves surprises.

What spends credits

What	When
The Builder working	Every turn — reading, deciding, writing, and checking its work
The machine running your app	While your session is awake, including time you spend reading the preview
Publishing	A small flat fee per publish — about 0.2 credits

Talking to the coach is free. So are your daily task suggestions, the inbox, and automation runs — none of them touch your credit balance. Almost all of your spend is building.

The machine sleeps between turns precisely so idle time stops costing you. You do not need to stop it by hand.

Your three pools

Credits come from three pools, and they drain in a fixed order.

1. Daily

   A free allowance that refills every day — 5 credits, on every plan. Spent first.

2. Monthly

   Included with a paid plan, refilling each billing cycle. Spent once the daily pool is empty.

3. Top-ups

   Credits you buy at $1 each. Spent last, and they never expire.

Spending your free daily allowance first means your paid credits last as long as possible.

When pools refill

Pool	Refills	Rolls over?
Daily	Every day, at midnight UTC	No — unused daily credits do not carry forward
Monthly	At the start of each billing cycle	No
Top-ups	Never expire; only spending reduces them	Not applicable

Daily and monthly allowances do not accumulate. An unused day is simply an unused day.

What a build actually costs

Costs vary with how much work you ask for, but as a shape:

• A full first build — the most expensive thing you will do in a workspace — runs on the order of 5 credits.
• Small edits — copy changes, colour tweaks, moving a section — cost a fraction of that.
• Publishing adds about 0.2 credits each time.

A new account starts with a one-off grant of 10 credits on top of the daily allowance — sized so you can complete a first build, make a few edits, and publish before spending anything.

These figures are the current defaults and can change. Your exact balance and recent spending are always on the Usage page — see Track your usage.

Running out

When your balance cannot cover more work, Skarmy stops rather than silently continuing. You will see:

You're out of credits. Top up on the Usage page

Nothing is lost. Your workspace, conversation, files, and published site all stay exactly as they are. Add credits or wait for your daily allowance to refill, and carry on from where you stopped.

You can also cap your own spending with a Monthly spend limit on the Usage page — usage pauses for the month once spend reaches the cap.

Guests

You can start without an account, with a small one-off grant of credits. Opening the Builder and publishing require signing up — and when you do, everything you started as a guest moves across with you.

Verify

• Usage shows a Current balance.
• Monthly credits and the daily allowance both appear.
• Spending appears under Last 30 days after a build.

Next

Plans

What each plan includes.

Billing and top-ups

Buy credits and manage payment.

Track your usage

See where your credits went.