> ## Documentation Index > Fetch the complete documentation index at: https://docs.x.build/llms.txt > Use this file to discover all available pages before exploring further. # How tokens work > What tokens pay for, where they come from, and what to do when you run low. ## Working with tokens Tokens are XBuild's usage meter: every plan includes an allowance, and AI work draws it down. Tokens are separate from [member seats](/features/member-seats) — running out never blocks a teammate from signing in, and adding a teammate costs no tokens. One balance is shared across your company; anyone can spend from it, only an XBuild Administrator can add to it. ### 1. What consumes tokens * **AI chat** is the main consumer — every AI turn in a project costs tokens. Cost scales with file processing (more or larger files), iteration (each round of revisions is another turn), and scope complexity (more packages and line items). One measurement file, one package, little back-and-forth is light; many photos, several package variants, and repeated revisions run significantly higher. * **Insurance publish surcharge** — a discrete charge on top of chat usage, per output format, not per project: | Publish | Tokens | | ---------------------------------------------------------------------------------------- | ------------------------------------------------------------------- | | First **Xactimate** publish on a project | **40** | | First **Symbility** publish on a project | **90** | | Later publish in the **same format** (republish, or a new draft version published again) | **Free** | | Switching format (Xactimate ↔ Symbility) | That format's first-publish rate — a separate slot, not a republish | * **Retail publishes** have no surcharge; iterating on a published retail proposal adds no publish tokens. See [Publishing your proposal](/features/publishing-your-proposal). Insurance **supplement fees** are not tokens — they're separate invoices, a percentage of approved RCV. See [Insurance supplement flow](/features/insurance-supplement-flow). ### 2. Where tokens come from Your balance is made up of **grants**, each with a source and its own expiration: | Grant | Source | Expires | | ---------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------ | ----------------------------------------------------------------------- | | **Subscription** | Your plan's allowance — monthly plans get it at each renewal; annual plans get the whole year up front. See [Pricing plans](/plans-billing/plan-comparison). | Monthly: resets on your renewal date. Annual: end of the year paid for. | | **Top Up** | One-time purchase. See [Manual top-ups](/plans-billing/manual-top-ups). | 1 month from purchase | | **Auto top-up** | Automatic purchase by [auto-refill](/plans-billing/auto-refill). | 1 month from purchase | | **Trial** | **100 tokens** every new company starts with — enough to run real projects before subscribing. | **3 months** after signup | | **Bonus** | Tokens XBuild has granted your account. | Set when granted | XBuild spends the soonest-expiring grant first. Tokens that reach their expiration date are gone; expiry dates are visible on your balance. ### 3. Check your balance Open **Billing** — from the main navigation, or under **Settings**. The plan card shows **Tokens remaining**, with a segmented bar underneath: each segment is one grant, color-coded by source. Point to a segment or legend entry to see that grant's remaining tokens, issue date, and expiration date. Below the bar: when your plan tokens reset and your price per additional token. The **Transactions** tab on the same page is the line-by-line ledger — purchases, plan grants, and publish charges. See [Invoices and receipts](/plans-billing/invoices-and-receipts). ### 4. What happens at zero When there aren't enough tokens for an action, the action pauses and XBuild shows an out-of-tokens prompt instead of running up a bill. Projects, proposals, and photos stay put. To get moving again: * **Top up** — an Administrator buys tokens from **Top up tokens** on the Billing tab. See [Manual top-ups](/plans-billing/manual-top-ups). * **Turn on auto-refill** — XBuild buys tokens automatically when the balance runs low. See [Auto-refill](/plans-billing/auto-refill). * **Upgrade your plan** — more monthly tokens at a lower price per token. See [Pricing plans](/plans-billing/plan-comparison). ### 5. Troubleshooting common questions * **My balance dropped more than I expected.** Check **Transactions**: a first insurance publish carries its format's surcharge, and heavy chat sessions cost more than light ones. Also check for an expired grant — expired tokens leave the balance without a debit line. * **I published the same project twice but was charged once.** By design — only the first publish per format on a project carries the surcharge. * **I have tokens but an action says I don't have enough.** The action's full cost has to fit within your available balance. Top up or wait for your plan tokens to reset. * **I can't find a Top up button.** Buying tokens is admin-only; Members see the balance but not the purchase actions. * **Do unused plan tokens roll over?** Monthly plan tokens last until renewal, when the new allowance replaces them. Top-up and auto-refill tokens keep their own 1-month expiry regardless of your billing cycle. For further assistance, contact XBuild Support at [support@x.build](mailto:support@x.build).