What does each AI action cost?

Fiuto’s AI actions are priced in credits. Some actions cost a fixed number of credits every time; chat turns are priced in bands, set after you send. This page lists the current live prices, when each action charges you, and what your monthly credit grant covers.

Fixed-price actions

1. Plan generation: 120 credits. Live on every tier, including Free.
2. Single-study analysis: 80 credits. Live on every tier, including Free.
3. Insight deck generation: 40 credits. Live on every tier, including Free.
4. AI deck edit: 20 credits. Live on every tier, including Free.
5. Study results read: 20 credits. Live on every tier, including Free.

Chat actions (banded)

1. Study-scoped chat turn: charged in one of five bands, 20, 40, 80, 160, or 320 credits. Live on every tier, including Free.
2. Project-scoped cross-study chat turn: charged in one of five bands, 20, 40, 80, 160, or 320 credits. Live on every tier, including Free.

A chat turn’s charge is never shown before you send. It is set after the message is sent, at the smallest of the five bands (20, 40, 80, 160, or 320 credits) that covers that message’s actual size. The charge never exceeds 320 credits, however large the message.

The minimum to start a priced action

Every priced action, fixed-price or banded, needs at least 20 credits in your balance to start. Below that minimum, an account cannot start a new priced action until its balance tops up or resets. An action at or above the minimum charges the lesser of its price and what remains in your balance, so your balance never goes below zero.

For a chat message specifically: sending one requires at least 20 credits. If your remaining balance is below the band the message would otherwise cost, only the remaining balance is charged.

When you’re charged

• Single-study analysis charges once, after it finishes. It is never charged while running or if it does not complete, and re-running an already-finished analysis does not charge a second time.
• Insight deck generation and AI deck edit charge only when their result is kept: never for an attempt that fails, and never for a draft discarded before it is applied.
• A chat turn (study-scoped or cross-study) charges once, after it is sent, at the band described above. A message that fails to send is not charged.

The 600-credit monthly grant

Every account on the Free tier gets 600 AI credits a month once its email is verified. They refresh on the day of the month you signed up, or on the day a paid plan ended if you had one. Spent on one action type at a time, that is enough for:

1. 5 plan generations
2. 7 single-study analyses
3. 15 insight deck generations
4. 30 AI deck edits

Each of these four numbers assumes the whole grant goes to that one action alone. Mixing action types divides the 600 differently.

If you mostly chat with the AI, your 600 credits now go about half as far. Since 22 October 2026, most chat turns cost about twice the credits they did, and the smallest still cost 20. The four counts above did not change, because those actions have fixed prices.

Your first analysis is free

Separate from the monthly grant: the first single-study analysis your account ever completes costs nothing. It does not draw from your 600 monthly credits, and using it does not reduce what the grant gives you afterward. Every single-study analysis after that first one costs the standard 80 credits.