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Understanding AI Credits on Adam

AI credits determine how much financial data your account can process within a billing cycle. This article explains how credits work, what consumes them, how to track usage, and how to purchase additional credits if needed.

Maz avatar
Written by Maz
Updated today

What Are AI Credits?

AI credits are the usage units tied to your subscription plan. They control how many transactions and AI-powered actions your account can process within each billing cycle.

Your available credit balance is always visible on the AI credit indicator at the bottom-left corner of your screen.

How AI Credits Are Calculated

Credit usage is simple and predictable:

  • 1 transaction = 0.1 credit

  • 10 transactions = 1 credit

For example, if your plan includes 50 credits, you can process up to 500 transactions within your billing cycle.

Transactions that consume credits include:

  • Bank transactions (uploaded statements or synced accounts)

  • Invoices

  • Bills

  • Journal entries

  • Other financial records

Each individual transaction created or processed consumes 0.1 credit.

What Activities Consume Credits?

Beyond standard transaction processing, the following actions also use credits:

Image Uploads

Uploading a receipt or financial document uses 0.1 credit.
If multiple transactions are extracted from a single image, each extracted transaction consumes 0.1 credit.

AI Messages

Each message sent to Adam for assistance or inquiries consumes 0.1 credit.

Credits are always deducted based on the amount of AI processing performed.

How to Track Credit Usage

Credits are deducted automatically as transactions are processed.

To see credits in action:

  1. Go to Banking

  2. Select Bank Transactions

  3. Click Import Transactions to upload a statement

As Adam processes the transactions, the AI credit indicator updates in real time. Your remaining balance adjusts instantly once processing is complete.

Monthly Credit Reset

AI credits reset automatically every 30 days based on your subscription date.

At the start of each new billing cycle, your full credit balance is restored according to your plan. No manual action is required.

Purchasing Additional Credits

If you need more credits before your monthly reset:

  1. Go to Business Settings

  2. Select Billing

  3. Under the AI Credit section, click Buy More Credits

Enter your desired purchase amount. The system will automatically display how many credits you will receive. Once confirmed, your balance updates immediately.

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