The Journal
CompanyJul 15, 2026 · 3 min read

Why yearly plans still deliver credits monthly

A yearly plan is paid once for the year, but its credits arrive one month at a time and reset at the end of each month. A short note on why we built it that way.

Rui Alcantara

Rui Alcantara

Co-founder

Why yearly plans still deliver credits monthly

Our yearly plans are paid once for the year. The credits are not. They arrive one month at a time, and whatever is left at the end of a month resets when the next month's credits land.

That surprises some people, so here is the reasoning in full, and the rule stated plainly enough that you can check it against your own balance.

The rule, stated plainly

Buy a yearly plan and you are charged once for twelve months. At the start of each of those months you receive the plan's monthly allowance — 300 credits on Keeper, 1,100 on Vault, 2,400 on Keystone. Credits you do not use expire at the end of the month they were granted for. They do not carry over to the next month, and they do not carry over at renewal.

12 — monthly allowances in every yearly plan

1 month — how long each allowance lasts

~17% — saved against twelve monthly payments

A discount, not a stockpile

The yearly plan exists to make the same monthly allowance cheaper — about 17% less than paying month to month — in exchange for committing to a year. It was never meant to be a way of buying a year's credits up front.

If you need more credits in a given month, the answer is a bigger plan rather than a bigger stockpile. Upgrades take effect immediately.

A yearly plan buys you a better price on the same month, twelve times over.

— Rui, in the argument that settled it

Why monthly slices

We did consider handing over the whole year on day one. Four things stopped us.

Same month, every month — Every month of the year has the same credits available, so a busy March cannot leave you with nothing in October.

One rule — Monthly and yearly plans behave identically within a month. Only the billing differs, so there is one thing to understand, not two.

No cliff — A year's balance spent in one week would leave eleven empty months and a plan that feels broken. Monthly slices rule that out.

Honest costs — Every credit you spend pays for a call to a third-party model. Monthly allowances keep that predictable, which is part of what keeps the yearly price lower.

What happens when you upgrade

Upgrades land immediately: the new plan's credits show up right away, and the credits you had not used on your old plan come off the price, in proportion. Moving to a smaller plan is not self-serve yet — cancel, keep your current plan to the end of the period, then pick the smaller one.

Purchases are not refunded; your statutory rights in the EU and UK are unaffected. Cancelling stops the next charge, and the period you have already paid for keeps working — monthly credits and all — until it ends.

Where we could still be wrong

If you work in bursts — two heavy weeks around a shoot, then nothing — monthly resets will sometimes take credits you would have liked to keep. That is a real trade-off, and we would rather name it than hide it.

If that is how you work, size the plan for a normal month rather than your busiest one, and upgrade when a heavy month arrives — the upgrade lands straight away. The pricing page and the terms always carry the current rule.


Yearly plans are on the pricing page. Monthly plans reset on your billing date, and the free plan resets on the 1st of each month (UTC).

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  • Pricing
Rui Alcantara

Rui Alcantara

Co-founder of ockeeper. Writes the pricing posts, so the numbers on the page and the numbers on your bill stay the same.