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

# Credits

> Understanding how AI credits work in Peanuts

## What are Credits?

Credits are the currency for AI-powered features in Peanuts. Every time you use an AI feature, it costs credits based on the complexity of the operation.

## Free Features (0 Credits)

Many features don't cost any credits:

<CardGroup cols={2}>
  <Card title="Instant Logs ⚡" icon="bolt">
    Simple entries matched via Affinity or Local matching
  </Card>

  <Card title="Shoebox Fallback" icon="inbox">
    Unmatched content going to Shoebox
  </Card>

  <Card title="Manual Entry" icon="keyboard">
    Adding entries directly in a Helper
  </Card>

  <Card title="Viewing Data" icon="eye">
    Browsing your Helpers and entries
  </Card>

  <Card title="Affinity Matching" icon="sparkles">
    Pattern matching based on your history
  </Card>

  <Card title="Offline Queue" icon="clock">
    Storing entries for later sync
  </Card>
</CardGroup>

Learn more about [Instant Logs](/features/instant-logs) and how to maximize free logging.

## The 4-Tier Matching System

When you log via [Log Anything](/features/log-anything), Peanuts uses a tiered matching system:

| Tier | Name         | Credits | Description                                 |
| ---- | ------------ | ------- | ------------------------------------------- |
| 1    | **Affinity** | 0 ⚡     | Matches based on your learned patterns      |
| 2    | **Local**    | 0 ⚡     | Pattern matching against Helper definitions |
| 3    | **AI**       | 1       | OpenAI analysis for ambiguous inputs        |
| 4    | **Fallback** | 0       | Goes to [Shoebox](/core-concepts/shoebox)   |

<Tip>
  The more you use Peanuts, the smarter Affinity matching becomes. Most routine entries will log for free over time.
</Tip>

## Credit Costs

| Feature                    | Credits             | Description                                |
| -------------------------- | ------------------- | ------------------------------------------ |
| **Affinity/Local Match**   | 0                   | Pattern-based instant matching             |
| **Shoebox Fallback**       | 0                   | Unmatched content capture                  |
| **Log Anything (AI text)** | 1                   | AI-powered text routing                    |
| **Log Anything (voice)**   | 9                   | Voice transcription (8) + routing (1)      |
| **Log Anything (image)**   | 5                   | Image analysis and routing                 |
| **Log Anything (link)**    | 1-3                 | Link scraping and routing                  |
| **Ask Peanuts**            | 1                   | Chat with your data, get insights          |
| **Ask Peanuts + Voice**    | 13                  | Chat (1) + spoken response (12)            |
| **Helper Creation**        | 1                   | AI generates a new Helper from description |
| **Helper Voice Entry**     | 9                   | Transcription (8) + AI parsing (1)         |
| **Smart Scan**             | 5                   | Receipt/document scanning with OCR         |
| **Hands-Free Mode**        | \~21/entry          | STT (8) + parse (1) + TTS (12)             |
| **Virtual Try-On**         | Uses try-on credits | AI clothing try-on (separate quota)        |

### Voice Credit Breakdown

Voice features use multiple AI services:

| Component            | Credits |
| -------------------- | ------- |
| Speech-to-Text (STT) | 8       |
| Text-to-Speech (TTS) | 12      |
| AI parsing/routing   | 1       |

## Credit Allowances by Plan

<CardGroup cols={2}>
  <Card title="Free" icon="user">
    * 50 credits/month
    * 20 daily API calls max
  </Card>

  <Card title="Starter" icon="star">
    * 200 credits/month
    * Unused credits don't roll over
  </Card>

  <Card title="Pro" icon="crown">
    * 500 credits/month
    * 5 Virtual Try-Ons/month
    * Priority AI processing
  </Card>

  <Card title="Team" icon="users">
    * 1000 credits/seat/month
    * 15 Virtual Try-Ons/seat/month
    * Shared team pool option
  </Card>
</CardGroup>

## Checking Your Credits

### In the App

1. Tap your **profile icon** in the top right
2. Go to **Settings → Credits**
3. View current balance and usage history

### Credit Indicators

Throughout the app, you'll see credit costs displayed:

* Before using an AI feature
* In feature descriptions
* On the pricing page

## Low Credit Warnings

When your credits run low, you'll receive email notifications:

1. **At 10 credits** — Warning notification
2. **At 5 credits** — Follow-up warning
3. **At 3 credits** — Urgent warning
4. **At 1 credit** — Final warning
5. **At 0** — AI features paused until reset

<Tip>
  Enable low credit email notifications in **Settings → Notifications** to avoid running out unexpectedly.
</Tip>

## Buying More Credits

If you run out before your monthly reset:

1. Go to **Settings → Credits**
2. Tap **Buy Credits**
3. Choose a credit pack:
   * 50 credits — €2
   * 150 credits — €5
   * 400 credits — €10

Purchased credits never expire and are used after your monthly allowance.

## Optimizing Credit Usage

<AccordionGroup>
  <Accordion title="Use scoped input for guaranteed free logging">
    Tap a Helper chip before typing to scope your input. This uses Local matching (0 credits) instead of AI.
  </Accordion>

  <Accordion title="Let Affinity matching learn your patterns">
    Consistent logging builds your Affinity profile. Over time, most routine entries will match instantly for free.
  </Accordion>

  <Accordion title="Use Instant Logs when possible">
    Simple entries like "coffee \$5" or "ran 3km" log instantly for 0 credits.
  </Accordion>

  <Accordion title="Use text input instead of voice">
    Typing costs 0-1 credit vs 9 for voice transcription.
  </Accordion>

  <Accordion title="Batch similar entries">
    Instead of 5 separate voice entries, type them all at once.
  </Accordion>

  <Accordion title="Disable Read Aloud in Ask Peanuts">
    TTS responses cost 12 credits—turn off if reading is fine.
  </Accordion>

  <Accordion title="Save Smart Scan for complex documents">
    For simple receipts, try a regular photo (5 credits) first.
  </Accordion>
</AccordionGroup>

## Credit Reset

Monthly credits reset on your billing date. For example, if you subscribed on the 15th, credits reset on the 15th of each month.

You can see your next reset date in the **Credits Usage** dashboard at **Settings → Credits**.

<Note>
  Daily API call limits (for Free tier) reset at midnight UTC.
</Note>

## FAQ

<AccordionGroup>
  <Accordion title="Do unused credits roll over?">
    No, monthly credits reset each billing cycle. Only purchased credits carry over.
  </Accordion>

  <Accordion title="Can I see what used my credits?">
    Yes! Go to Settings → Credits → Usage History to see a detailed breakdown.
  </Accordion>

  <Accordion title="What happens if I hit 0 credits?">
    AI features pause, but you can still:

    * View and manually add entries
    * Use Instant Logs and Affinity matching (0 credits)
    * Access all your data
  </Accordion>

  <Accordion title="Why did voice use 9 credits?">
    Voice includes: transcription (8) + AI parsing/routing (1) = 9 credits.
  </Accordion>

  <Accordion title="What's the difference between Affinity and Local matching?">
    **Affinity** learns from your personal history and vocabulary. **Local** matches against Helper field definitions. Both are free.
  </Accordion>
</AccordionGroup>

## Related

<CardGroup cols={2}>
  <Card title="Instant Logs" icon="bolt" href="/features/instant-logs">
    Log for 0 credits with pattern matching
  </Card>

  <Card title="Log Anything" icon="plus" href="/features/log-anything">
    The 4-tier matching system
  </Card>

  <Card title="Voice Input" icon="microphone" href="/features/voice-input">
    Voice feature credit breakdown
  </Card>

  <Card title="Shoebox" icon="inbox" href="/core-concepts/shoebox">
    Free fallback capture
  </Card>
</CardGroup>