# Plans and credits

> Which Skylit plans include API and MCP access, what each plan's API covers, included credits, credit packs.

API and MCP access comes with a paid Skylit membership. Your plan decides which
data your key can reach, how many credits you start with and your limits. One
credit is $0.001, and every call costs the same credits on every plan. Each
endpoint's cost is on its [API Reference](https://www.skylit.ai/docs/api-reference/introduction) page.

## API access by plan

| Plan | Data | Credits | Daily cap | Requests per minute | Keys |
| --- | --- | --- | --: | --: | --: |
| **Pro** (also Protege, Quant and Lifetime Bootcamp) | Every symbol. Heatseeker, Flowseeker, Atlas, Tempest (`/v1/vol`), historical replay, streams and MCP | 100,000 included every month | none | 120 per key (600 per account across 5 keys) | 5 |
| **Developer** ($349/month) | The same API and MCP access as Pro | 100,000 included every month | none | 120 per key (600 per account across 5 keys) | 5 |
| **Initiate** | The 63 symbols in the Initiate plan (indices and index, sector and macro ETFs). Heatseeker, Flowseeker, Atlas, historical replay (including bulk `/v1/historical/range`), streams and MCP. No Tempest | 5,000 starting credits, once; then pay as you go | none | 120 per key (600 per account across 5 keys) | 5 |
| **Community** | Flowseeker and its MCP tools only | 5,000 starting credits, once; then pay as you go | none | 120 per key (600 per account across 5 keys) | 5 |
| Free accounts | No API access | | | | |

The Developer plan is for AI agents and agentic traders: it covers every API
endpoint and MCP tool, but not the Skylit web platform's trading tools
(Heatseeker, Atlas, Talon and Tempest in the app). For those, choose Pro.

Tempest calls on a plan without Tempest return `403 not_entitled`, and like
every failed call they cost nothing.

> **Note:** Limits can change. `GET /v1/account` (free) and the `X-RateLimit-Limit` header
> always show the values that apply to your account, so have your agent read them
> at startup instead of hard-coding the numbers above.

## Monthly API Credits

Pro, Protege, Quant, Lifetime Bootcamp and Developer include **100,000 Monthly
API Credits**. They are spent before any credits you bought, and they reset at
midnight ET on the 1st of each month.

## Credit packs

Members on Community and up can buy credit packs on the
[Developer page](https://app.skylit.ai/developer). Packs are the same on every
plan:

| Pack | Credits |
| --- | --: |
| $50 | 55,000 |
| $150 | 175,000 |
| $400 | 480,000 |

Purchased credits are valid for 12 months from purchase and work on every API
module your plan includes. Promo codes don't apply to packs.

## Daily caps

No plan has a daily credit cap: you can spend the credits you hold as fast as
your rate and concurrency limits allow. If a daily cap is ever set on your
account, data calls past it get `402 daily_cap_reached` with `Retry-After`
(midnight ET).

## Invite codes

If Skylit gave you an invite code, redeem it on the
[Developer page](https://app.skylit.ai/developer) (**Have an invite code?**).
Invite access allows 60 requests per minute per key and 2 keys (120 per account), and doesn't
include Tempest.

## Failed calls are free

Any `4xx` or `5xx` is refunded, and its `X-Credits-Remaining` header already
includes the refund. See [Authentication](https://www.skylit.ai/docs/api-reference/authentication#credits)
for how metering works.

- [Getting started](https://www.skylit.ai/docs/api-reference/getting-started): From zero to live REST calls and a connected MCP server.
- [Rate limits and retries](https://www.skylit.ai/docs/api-reference/rate-limits-and-retries): How fast an agent may call, and what to retry.