Credits are how you pay for expert-level answers
AI credits are the currency that powers your AI Tutor conversations. Each message you send — and the tutor's response — costs a small number of credits. The cost varies based on the complexity of the conversation: a quick factual question might cost 0.01 credits, while a deep regulatory analysis with multiple rule lookups might cost 0.05-0.10 credits.
They're included with your plan. Once you understand how they work, you'll get significantly more value from every credit you spend.
What each plan includes
| Plan | Price | AI Credits | Access Period |
|---|---|---|---|
| Free | $0 | 5 credits | Included |
| Learn | $149 | 50 credits | 6 months |
| Pro | $249 | 100 credits | 6 months |
The Pro plan also includes unlimited practice quizzes, unlimited custom mocks, and advanced analytics — making it the obvious choice if you're serious about passing.
What costs credits
- Each message you send to the AI Tutor costs a variable amount of credits (typically 0.01-0.10)
- Follow-up questions in the same conversation cost credits too
- More complex questions that require the tutor to search multiple regulations or analyze your performance data cost slightly more
The credit cost is shown after every AI response — a small badge at the bottom of each message so you always know what you're spending.
What's free
- Re-reading past conversations — browse your entire chat history without spending a single credit
- Everything else on the platform — quizzes, Learning Centre, analytics, custom mocks, daily challenges. Credits only apply to AI Tutor messages.
History is free forever
Once you've had a conversation, it's saved permanently. You can re-read the AI Tutor's explanations as many times as you want — on the bus, before the exam, at 3am. Zero credits.
Checking your balance
Your remaining credits show at the top of the AI Tutor panel — always visible, so you know what you have before you type. After every AI response, a small badge shows exactly how many credits that message cost.
Getting the most from every credit
Not all credits deliver equal value. A well-spent credit resolves a confusion that was going to cost you marks. A wasted credit answers something the Learning Centre already covers. Here's how to make them count:
Check the Learning Centre first
Before opening the AI Tutor, see if the Learning Centre already covers your question. It probably does — and it's free. Save credits for the moments when you need a different explanation, a specific rule citation, or a conversation about your personal performance.
Be specific in your questions
"Explain the difference between the suitability obligation under IDPC Rule 3200 and the best interest standard under the Client Focused Reforms" gets you a focused, high-value answer. "Help me with suitability" gets you a generic overview you could have found yourself. Specificity is free — credit cost stays roughly the same either way, but the value you extract goes up dramatically.
Check your conversation history
Before asking something, skim your past conversations. You might have already asked a similar question weeks ago. Re-reading the old answer is instant and free.
Performance analysis is the highest-value use of credits
Asking the AI Tutor to analyze your quiz performance, identify weak elements, and recommend what to study next is one of the most valuable things you can do with your credits. One question gives you a personalized study plan based on your actual data — not generic advice.
When credits run out
If your credits hit zero:
- Everything else still works — quizzes, Learning Centre, analytics, custom mocks, daily challenges. All still there.
- The AI Tutor pauses — you'll see a message that credits are exhausted
- Your conversation history stays — re-read past explanations anytime, for free
If you consistently hit zero before you're done studying, the Pro plan gives you 100 credits for the entire 6-month access period — that's hundreds of conversations. For most candidates, more than enough to get through the exam.