AI Credits
Freedomwise uses a credit system for AI-powered features. All calculated results (Freedom Score, projections, calculators) are always free and unlimited.
How credits work
Credits are a non-expiring in-app currency. You use credits to run AI-powered features. You can earn credits by referring users or purchase them directly.
| Feature | Cost |
|---|---|
| AI chat message | 1 credit |
| Journey waypoint insight | 7 credits |
| Portfolio health advisory | 14 credits |
| Debt coach advisory | 14 credits |
| Tax playbook | 14 credits |
| Sector research report | 14 credits |
| Portfolio analysis (Freedom Score) | 21 credits |
| Life plan generation | 21 credits |
Starting credits
New accounts get 50 credits on signup. This is enough to run the full FI Intelligence analysis, chat a dozen times, and explore most features before deciding whether to upgrade.
Earning credits
- Refer a friend: 50 credits per successful referral (when the referred user completes their first Freedom Score)
- Story publication: 25 credits when your story is published on the public site
Buying credits
Credit packs are available on the Pricing page. Credits never expire.
Plans and included credits
Paid plans include a monthly credit allocation:
- Freedom Base (₹210/mo): 100 credits/mo
- Freedom Pro (₹490/mo): 300 credits/mo
- Freedom Wealth (₹994/mo): 1,000 credits/mo
Monthly allocations do not roll over.
Credit balance
Check your balance anytime from the top navigation (credit wallet icon) or from Settings → Credits.