Work out credits burn rate instantly with clear inputs, formula shown and shareable results.
Credit runway is not balance divided by current spend, because spend compounds: at 12 percent monthly growth, 90,000 of credits lasts about five months rather than the six and a half a flat calculation suggests. The complementary risk is expiry — credits that lapse unused are pure lost value, which is worth planning workloads around.
Credit runway
iterate: balance -= monthly spend, then spend x= (1 + growth) until the balance reaches zero; compare the month count against the expiry date
Billing switches to the normal payment method, usually without warning beyond a threshold alert. Set a budget alarm at the point where credits are nearly exhausted.
Sometimes, by negotiation, particularly if tied to a programme or a commitment discussion. It is worth asking before they lapse rather than after.