Specter Agent spends Specter API credits when it reads data for you. Every user gets a free allowance before that starts. This page covers what spends credits, what's free, and what happens when the allowance runs out.

Specter Agent opens far more records to answer a question than you'd open by hand. Those reads are what you pay for.

Reading a company, person or investor record costs credits, and so does a web search when Specter doesn't hold the answer. Specter Agent's own thinking adds a small amount on top, with a minimum of one credit per chat. Heavier questions cost more than light ones, because they read more.

Plenty of what Specter Agent does costs you nothing:

Errors and retries never bill. If Specter Agent reads the same record twice in one answer, you're charged once.

Every user gets a free allowance, and it refreshes on three windows at once:

The monthly window follows your team's billing period, so it resets with your billing date rather than on the 1st. This allowance is Specter Agent's own, and it's separate from your Specter MCP allowance.

Past the allowance, Specter Agent draws on your team's API credit pool. One setting decides whether it can:

Turn it on with Use API credits for extra usage in your Specter settings. It's one setting for your whole team, it covers Specter Agent and the Specter MCP together, and only an admin can change it.

Note: there's nothing separate to buy. Specter Agent uses the same credit pool as the Specter API and the Specter MCP.

If an answer starts inside your allowance and crosses it partway through, Specter Agent finishes what it started.

You now know what spends credits and where your limits sit. Up next: Ask Specter Agent: prompts that work.

Open the Intercom chat in your Specter dashboard or email support@tryspecter.com. We are quick to respond and always keen to hear your feedback.