> For the complete documentation index, see [llms.txt](https://docs.smaq.io/documentation/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.smaq.io/documentation/organization/billing-and-usage.md).

# Billing & usage

Organization Settings has two billing-related tabs: **Billing** (subscription management) and **Usage** (credit consumption tracking).

> **\[Screenshot needed]** Organization Settings showing the Billing and Usage tabs side by side in the tab strip.

### Billing tab

#### What's shown

* **Current tier** (Starter / Growth / Scale / Agency).
* **Billing cycle** (Monthly or Annual).
* **Next renewal date**.
* **Payment method** (card on file via Stripe).
* **Manage subscription** button → opens Stripe customer portal.
* **Top up credits** button → buy credit top-ups.

#### Actions

* **Change tier** — see [Upgrade or downgrade](/documentation/plans-and-billing/upgrade-downgrade.md).
* **Update card / billing address** — via the Stripe portal.
* **Cancel subscription** — via the Stripe portal. Takes effect end of current cycle.
* **Top up credits** — see [Credits & top-ups](/documentation/plans-and-billing/credits-and-top-ups.md).

#### Permissions

* Only org **Owners** see and can use the Billing tab.

> **\[Screenshot needed]** Billing tab with current tier (Growth), billing cycle (Annual), renewal date, payment method, and the action buttons.

### Usage tab

#### What's shown

* **Monthly allocation** — credits included in your tier.
* **Used this month** — credits consumed so far in the current billing cycle.
* **Remaining** — what's left until cycle reset.
* **Top-up balance** — additional credits purchased separately (don't reset).
* **Per-project usage breakdown** — see which project is consuming most credits.
* **Month-over-month trend** — chart showing usage history.

> **\[Screenshot needed]** Usage tab with the four headline numbers, a per-project usage chart, and the historical trend.

#### Permissions

* **View**: org Owners (and org Members on the Agency tier).

#### How credits get consumed

See [Credits & top-ups](/documentation/plans-and-billing/credits-and-top-ups.md) for the full breakdown of what burns credits.

### Email notifications

* **80% credit usage** — heads-up email to the org Owner.
* **100% credit usage** — notification + automations pause until cycle reset or top-up.
* **Top-up consumed** — email when a top-up balance is fully spent.
* **Renewal upcoming** — 7 days before your annual renewal.

### Project-level cost tracking (agencies)

For agencies on the Agency tier with multiple client projects, the Usage tab is critical: it tells you which clients are consuming most credits, so you can:

* Bill clients accurately for AI usage.
* Identify runaway automations on heavy-cost client accounts.
* Right-size client-level expectations ("Your daily brief uses X credits/month, equivalent to Y at your tier").

### Related

* [Tiers explained](broken://pages/HOOsaBYkwAu0cfNo2Xy2).
* [Credits & top-ups](/documentation/plans-and-billing/credits-and-top-ups.md).
* [Upgrade or downgrade](/documentation/plans-and-billing/upgrade-downgrade.md).