The AI Credit Expiry, Rollover & Downgrade-Lock Tracker
The dated rows above are the list changes. The ledger filters the expiry window, the cancel lock, and the effective cost after unused credits.
Checked October 2026
The credit expires. The seat keeps billing.
These are the public list changes and expiry rules from the vendor pages. A prompt count is not a dollar.
| Tool | Checked | What the list says now | Credit trap |
|---|---|---|---|
| v0 | 25 Oct 2026 | Legacy Premium at $20/mo is closed to new signups. New accounts start on Free. Plus is $30/user/mo and Business is $100/user/mo. Both paid rungs include a $30 monthly credit allowance. The extra $70 on Business is team controls, not more generation. | Monthly credits and top-ups expire after 65 days. Purchased credits lock if the paid plan lapses. A one-year purchased balance is not a reason to keep a seat you are not shipping on. |
| Bolt.new | 25 Oct 2026 | Free is $0 with 1 million tokens a month and a 300,000 daily limit. Pro is $25/mo, or $18/mo billed annually ($216/year), for 10 million tokens. Teams is $30/mo. | The 25 Oct check says the Pro token allowance rolls over. It does not publish a day-count the way v0 does. Do not treat a weekend prototype as a reason to keep the seat until renewal. |
| Lovable | 25 Oct 2026 | Free is 5 daily credits, capped at 30 a month. Pro is $25/mo ($21 billed annually) with 100 monthly credits plus 5 daily credits. Business is $50/mo. | Monthly credits expire after 2 months. Daily grants do not roll over. |
| Replit | 25 Oct 2026 | The free Starter tier from the 21 Aug check is off the public table. Core is $20/mo ($18 billed annually). Pro is $100/mo ($90 billed annually). | The public pricing table checked that day does not publish an effort-checkpoint price. Price the seat you can see, not a meter the page does not name. |
| Cursor | 26 Oct 2026 | Pro at $20 is not on cursor.com/pricing. The rungs a new buyer can select are Free $0, Plus $8, Premium $30, Super $100, and Ultra $200. Ultra is published as 50× Plus. Teams starts at $30/user. There is no annual discount on that page. | Third-party frontier models are not inside the subscription. They bill at API list price. A legacy seat can continue. This note prices the plans on the page. |
| Claude Code | 26 Oct 2026 | Claude Code is included on paid Claude plans. Pro is $20/mo or $200/year. Max 5x is $100/mo. Max 20x is $200/mo. Max is monthly only. | Max 5x is 5× Pro usage per 5-hour session. Max 20x is 20×. There is no fixed message count. The $100 and $200 Max API credits do not apply to Claude Code. |
| GitHub Copilot | 26 Oct 2026 | The meter on the plans page is GitHub AI Credits, not a unit called a premium request. Pro is $10/mo with 1,500 credits. Pro+ is $39 with 7,000. Max is $100 with 20,000. Extra usage is $0.01 per credit. | The page does not say how many credits one agent prompt uses. Do not convert a prompt into a dollar overage from this table. |
| Windsurf | 3 Nov 2026 | New Pro is $20/mo. Max is $200/mo and cannot be shared. Teams is $40 per full seat with an $80 minimum. Enterprise is custom, not a $60 list price. | The pricing page checked 2026-11-03 lists Pro at $20/month, Max at $200/month, and Teams at $80/month plus $40 per full dev seat. It does not state a $15 price for existing subscribers. |
Questions
v0: what expires or changed?
Legacy Premium at $20/mo is closed to new signups. New accounts start on Free. Plus is $30/user/mo and Business is $100/user/mo. Both paid rungs include a $30 monthly credit allowance. The extra $70 on Business is team controls, not more generation. Monthly credits and top-ups expire after 65 days. Purchased credits lock if the paid plan lapses. A one-year purchased balance is not a reason to keep a seat you are not shipping on.
Bolt.new: what expires or changed?
Free is $0 with 1 million tokens a month and a 300,000 daily limit. Pro is $25/mo, or $18/mo billed annually ($216/year), for 10 million tokens. Teams is $30/mo. The 25 Oct check says the Pro token allowance rolls over. It does not publish a day-count the way v0 does. Do not treat a weekend prototype as a reason to keep the seat until renewal.
Lovable: what expires or changed?
Free is 5 daily credits, capped at 30 a month. Pro is $25/mo ($21 billed annually) with 100 monthly credits plus 5 daily credits. Business is $50/mo. Monthly credits expire after 2 months. Daily grants do not roll over.
Replit: what expires or changed?
The free Starter tier from the 21 Aug check is off the public table. Core is $20/mo ($18 billed annually). Pro is $100/mo ($90 billed annually). The public pricing table checked that day does not publish an effort-checkpoint price. Price the seat you can see, not a meter the page does not name.
Cursor: what expires or changed?
Pro at $20 is not on cursor.com/pricing. The rungs a new buyer can select are Free $0, Plus $8, Premium $30, Super $100, and Ultra $200. Ultra is published as 50× Plus. Teams starts at $30/user. There is no annual discount on that page. Third-party frontier models are not inside the subscription. They bill at API list price. A legacy seat can continue. This note prices the plans on the page.
Price a live workload in the coding assistant calculator, the app-builder calculator, the voice and video minute calculator, the automation task calculator, or the deck cost calculator. Credit traps lists expiry windows and locks. The full dated log is Pricing Watch.