Three plans, billed by credit. Begin without instrument; upgrade when the panel grows, the rounds lengthen, or the archive demands keeping.
A credit is the unit by which Plurality accounts for compute. One credit equals $0.01 of underlying model cost, marked up 2.5× to defray synthesis, deterministic analytics, web grounding, and the sundry overheads of the press. Per-query costs are rounded up to the nearest 0.1 credit, with a 0.5 credit minimum.
credits = max( 0.5, ceil( (model_cost_usd / 0.01) × 2.5 × 10 ) / 10 )
model_cost_usd is the sum of input and output token costs for every model in the panel, summed across all rounds, plus a small synthesis fee per round.
The frontier houses (Opus, GPT-5, Gemini 3) cost more than the middle tier; the query page renders the precise estimate before any submission.
The plan's monthly credits reset at the start of each cycle and do not roll over. Paid plans may purchase top-up credits, which never expire and are spent only after the monthly allotment is exhausted. Top-ups are priced above the bundled rate — the monthly allotment is always the better deal, and higher plans get the better top-up rate.
Every query renders an estimated credit range (min – max) against the present balance before submission. Insufficient balance is shown plainly; the run is blocked at the API layer if the balance does not cover the estimate.