> 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/plans-and-billing.md).

# Plans & Billing

- [Overview](https://docs.smaq.io/documentation/plans-and-billing/plans-and-billing.md): SMAQ's V3 pricing — four tiers, a 14-day trial, credit-based AI usage. Find the right plan and understand what happens when limits hit.
- [Trial & restricted mode](https://docs.smaq.io/documentation/plans-and-billing/trial-and-restricted.md): The 14-day Growth-tier trial, what it includes, and what happens when it ends without a subscription.
- [Credits & top-ups](https://docs.smaq.io/documentation/plans-and-billing/credits-and-top-ups.md): Credits meter SMAQ's AI usage. Every chat message, automation run, and report generation consumes credits. Your tier includes a monthly allowance; you can buy top-ups if you run out.
- [Upgrade or downgrade](https://docs.smaq.io/documentation/plans-and-billing/upgrade-downgrade.md): Move between tiers, switch between monthly and annual, change billing cycle. Upgrades are immediate; downgrades take effect at the end of the current cycle.