Carried-over (banked) credits Guide
Extra credits you purchase roll over month to month and are spent only after your plan's monthly credits run out.
Last updated July 16, 2026
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When you buy extra credits on top of your plan, they don't disappear at the end of the billing period. They carry over — or "bank" — from month to month while your subscription is active, and they're only spent once your plan's included monthly credits run out.
How banked credits work
Your plan comes with an allowance of credits that refreshes at the start of each billing period. Any extra credits you purchase are added on top of that allowance.
Praxivara always spends your included monthly credits first. Your purchased credits are only drawn down after the monthly allowance for the current period is used up. Because they're spent last, purchased credits tend to accumulate as a reserve you can rely on during busier months.
Think of your monthly plan credits as the balance you use day to day, and your banked credits as a savings buffer that's there when you need it.
Do banked credits expire?
Purchased credits do not expire at the end of the month. They keep rolling over each period for as long as your subscription stays active.
Your plan's monthly credits are different: they reset at the start of every billing period, so any unused monthly credits do not carry forward. Only the credits you buy are banked.
Where to see your carried-over balance
You can view your banked credits on the Usage page:
- Open Settings from the sidebar.
- Go to the Usage tab.
- Look for the extra credits carried over note alongside your credit summary. This shows how many purchased credits you have banked in addition to your monthly allowance.
You can also ask the assistant directly — for example, "how many credits do I have left" — and it will report your current numbers.
Which credits get spent first
The order is always the same:
- Your plan's included monthly credits for the current period.
- Your carried-over (purchased) credits, once the monthly allowance is exhausted.
This means you never lose banked credits to an unused monthly balance, and you won't dip into your reserve until you actually need it.
What happens if you cancel
Carried-over credits are tied to an active subscription. If your subscription ends, your banked credits are removed along with it.
If you're considering a change to your plan and want to preserve a large balance of purchased credits, keep this in mind before cancelling.
Adding more banked credits
If you'd like a larger reserve, you can purchase additional credits from the Billing page. You can buy a one-time top-up or set up a recurring monthly pack, and you can turn on auto top-up so more credits are added automatically when your balance runs low. Any credits you buy this way are banked and follow the same carry-over rules described above.
Tip: If you regularly finish the month with unused monthly credits, you may not need extra banked credits at all. Check the Usage page to see your typical consumption before topping up.