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

# Plans & Credits

> Understand API plans, credit allocation, and usage tracking.

Every API call costs 1 credit. Your plan determines how many credits you get each month and which endpoints you can access.

## Plans

| Plan          | Access Tier | Monthly Credits | Annual Credits/mo | Rollover Cap | Overage Rate (per 1,000) | Monthly Price | Annual Price | Lifetime Price |
| ------------- | ----------- | --------------- | ----------------- | ------------ | ------------------------ | ------------- | ------------ | -------------- |
| **Hobbyist**  | Basic       | 5,000           | 6,000             | 10,000       | €2.00                    | €22.50        | €225         | —              |
| **Developer** | Advanced    | 10,000          | 12,000            | 20,000       | €2.00                    | €35           | €350         | —              |
| **Scale**     | Advanced    | 50,000          | 60,000            | 100,000      | €1.00                    | €47.50        | €475         | —              |
| **Lifetime**  | Advanced    | 50,000          | —                 | 100,000      | €1.00                    | —             | —            | €1,200         |

## Access Tiers

| Tier         | Available Endpoints                                                               |
| ------------ | --------------------------------------------------------------------------------- |
| **Basic**    | `/v2/charts/simple`, `/v1/bodygraphs/simple`                                      |
| **Advanced** | All endpoints, including `/v2/charts`, `/v2/charts/coordinates`, `/v1/bodygraphs` |

## Credit System

### Monthly Allocation

Credits reset monthly. Annual plans receive 20% more credits per month than the equivalent monthly plan.

### Rollover

Unused credits roll over to the next month, up to your plan's rollover cap. Any excess beyond the cap is lost at reset.

**Example**: Developer plan (10,000/month, 20,000 cap). You use 7,000 credits in March, leaving 3,000 unused. In April you start with 13,000 credits (10,000 new + 3,000 rolled over). If you had 15,000 unused, only 10,000 would roll over (capped at 20,000 total).

### Overage

Overage is **disabled by default**. When enabled:

* Requests beyond your credit limit succeed and are billed at your plan's overage rate per 1,000 API calls
* Overage charges appear on your next invoice via Stripe

When disabled, requests beyond your credit limit return `402` with error code [`CREDITS_EXHAUSTED`](/api-reference/error-codes#billing-errors).

You can enable or disable overage from your [account settings](https://humandesignapi.nl/dashboard/account).

### Cancellation

When you cancel a subscription:

* Your plan remains active until the end of the current billing period
* At the end of the period, credits expire to 0 and no new credits are allocated