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The free tool below runs entirely in this browser — no account, nothing stored or transmitted. Redact anything you would not want kept before you type it.
Open the companion tool →Why a credit balance is not the same as a known cost
A bundle's price alone does not say what consumes one credit, when unused credits expire, or whether the balance renews. Those details live in the provider's current pricing and terms, not in the number on the purchase button.
A comparison is only meaningful when it records the exact plan, unit, expiry rule, and usage example. This tool makes that record; it does not predict how much a future prompt will consume.
The protocol
- Copy the plan name, price, billing interval, credits included, and date you viewed the provider's pricing page.
- Record the provider's wording for expiry, rollover, resets, eligible models or features, and any automatic renewal.
- If you already have a usage receipt, write down the task, units consumed, and output type without pasting private prompts.
- Compare providers only with the same unit and a clearly stated example; mark anything the pricing page does not explain as unknown.
- Keep the terms page and receipt. If a card charge differs from what you agreed to, contact the seller and card issuer through their official channels.
What the tool does
Build an AI-service credit-terms comparison record. It runs locally in this browser and sends nothing.
Limit first: This is a record-keeping aid, not legal or financial advice. It cannot predict future credit use, inspect a provider's billing system, or determine whether a disclosure violates the law.
Open the companion tool →Cost and free path
Cost: Free: one complete local run in this browser, with no account or upload; the tool does not transmit what you enter. Optional $4 one-time convenience unlock for unlimited runs of this tool on this browser; never a subscription. The protective answer and every free-path step remain free.
Rule status (federal route): Federal route, checked 2026-10-10: FTC consumer guidance covers paid digital items and credit-card disputes; the provider's current terms describe each credit bundle. No AI-credit-specific federal pricing rule is asserted here.
Automated decision this documents: the metered-credit consumption and package-allocation rules shown by an AI service
Free path, in order (no cost):
- The provider's public pricing, usage, and cancellation pages (reached independently)
- The merchant's free written billing/support channel for a charge question
- Your card issuer's published dispute process and the FTC's free consumer guidance
What this cannot do: It cannot predict future credit use, inspect a provider's billing system, or determine whether a disclosure violates the law.
Sources checked 2026-10-10 · first-party source pages fetched and reviewed; no separate raw HTTP-status probe.
One human next step
Open the provider's current pricing and account-usage pages directly, then save the dated terms record. If a charge is different from the offer you accepted, use the card issuer's published dispute process; FTC consumer guidance explains digital-purchase and charge-dispute basics.
Research log and safety checks
AI-assist path: not used for a legal, eligibility, authenticity, or payment verdict. This local builder organizes first-party records and routes the reader to a source they can inspect; no free model call would make its arithmetic or status claims more reliable. §6.9: no meaningful AI inference is needed. §6.11: the reader has a specific free action this week. §6.12: status route and date are in metadata. §6.13: the action does not require buying a service.
§0.5 protection result: category is ai-pricing-transparency; crisis-adjacent: no; fear/urgency/scarcity toolkit used: no. The protective function is free and the paid feature is convenience only.