> ## Documentation Index
> Fetch the complete documentation index at: https://docs.memo.solutions/llms.txt
> Use this file to discover all available pages before exploring further.

# Billing & Credits

> How Memo's credit system works — what costs credits, how billing is metered, and where to check your balance.

Memo uses credits to meter work that involves computation — generation, analysis, and agent chat. Saving, organizing, and browsing are always free.

## What costs credits

* **Image generation** in Studio — cost varies by quality (1K/2K/4K)
* **Video generation** in Studio — cost varies by duration
* **Image analysis** — extracting color palette, composition, style (\~1 credit)
* **Agent chat** — each conversation turn with the Studio agent

Credit deductions are atomic — the system deducts before the work starts, and the balance can never go below zero.

## Checking your balance

* **Studio**: A credit pill in the header shows your current balance. Hover for a breakdown.
* **Workspace Settings → Billing**: Current plan, seat usage, limits, and an upgrade button.

When credits are low, pre-action warnings appear before credit-consuming operations. When exhausted, a dedicated upgrade prompt.

## Rate limiting

The system enforces per-workspace rate limits to prevent runaway costs:

* **Studio chat**: 60 requests/hour on free, 300/hour on Pro
* **Generation**: Per-workspace quotas checked before every generation
* **Analysis and other endpoints**: Tier-based limits

Hit a rate limit and you'll see a clear message. Wait for the window to reset, or upgrade for higher limits.

## Plans

|                      | Free                        | Pro               |
| -------------------- | --------------------------- | ----------------- |
| **Seats**            | 1                           | 1                 |
| **Owned workspaces** | 1                           | Unlimited         |
| **Rate limits**      | Standard                    | Higher            |
| **Credits**          | Included monthly allocation | Larger allocation |

Billing is handled through Stripe — checkout, customer portal, and webhooks. Upgrade from **Workspace Settings → Billing**.

## Per-project cost tracking

Every Studio project tracks its own credit consumption via usage logs. This gives you visibility into what each campaign costs — useful for agencies billing back to clients or teams tracking creative spend.

## Tips

* **Saving inspirations is free.** Build your library without spending credits.
* **Analysis results are permanent.** Run it once, see the results forever. No re-charge on revisit.
* **The credit exhaustion modal shows your exact balance** and what you need to continue. No guessing.