Monthly vs. Annual Billing
Monthly vs. Annual Billing
Prospeo offers monthly and yearly billing on all paid plans. Yearly billing gives you a bigger discount and all your credits upfront for the full year.
Key Differences
| Monthly | Yearly |
|---|---|---|
Billing cycle | Charged every month | Charged once per year |
Discount | Standard pricing | Typically higher discount (see pricing page) |
Credits delivered | Monthly allocation each cycle | Full 12 months of credits upfront |
Credit expiry | Unused credits expire at monthly renewal | Unused credits expire at annual renewal |
How Credits Work on Each Billing Cycle
Monthly
You receive your plan credits at the start of each monthly billing cycle. Unused credits expire at renewal — they do not roll over.
Example: You subscribe to Growth (monthly) on March 1. You receive 5,000 credits. Any unused credits expire on April 1 when your next 5,000 credits are granted.
Yearly
You receive all 12 months of credits upfront on the day you subscribe. Credits are valid for 12 months and expire at your annual renewal date.
Example: You subscribe to Growth (yearly) on January 1. You receive 60,000 credits immediately (5,000 × 12 months). Your credits expire and reset on January 1 of the following year.
Switching Between Monthly and Yearly
All billing period switches take effect immediately. Your billing cycle resets to the date of the switch, and any remaining credits carry over.
Monthly → Yearly
- Full yearly price is charged immediately.
- Billing cycle resets to today.
- Any remaining credits from your monthly plan carry over.
- You receive all 12 months of new plan credits upfront.
Example: You're on Growth (monthly) with 2,000 credits remaining. You switch to Growth (yearly). You're charged the full yearly price, your billing cycle resets, and you now have 62,000 credits (2,000 carried over + 60,000 from the yearly plan). These expire in 12 months.
Yearly → Monthly
- Full monthly price is charged immediately.
- Billing cycle resets to today.
- Any remaining credits carry over but expire after your first monthly billing cycle (not the original 12-month window).
Example: You're on Growth (yearly) with 30,000 credits remaining. You switch to Growth (monthly). You're charged the monthly price, your billing cycle resets, and you have 35,000 credits (30,000 carried over + 5,000 from the new monthly plan). However, all 35,000 expire at your next monthly renewal — in 30 days, not at your original annual date.
⚠️ Important: Switching from yearly to monthly shortens the lifespan of your remaining credits. A warning modal will appear before you confirm.Upgrading or Downgrading Across Billing Periods
The same rules apply when changing both your plan and billing period at the same time:
- Upgrading monthly to a higher yearly plan — charged full yearly price, billing cycle resets, remaining credits carry over, new yearly credits granted upfront.
- Downgrading yearly to a lower monthly plan — charged full monthly price, billing cycle resets, remaining credits carry over but expire after the first monthly cycle.
For plan changes within the same billing period, see How to Upgrade or Downgrade Your Plan.
What Happens to Add-On Credits When Switching
If you have an active credit add-on and switch billing periods:
- Monthly → Yearly: Add-on credits are lost immediately. Only base plan credits carry forward.
- Yearly → Monthly: Add-on credits are lost immediately, and remaining base plan credits carry over but expire after one monthly cycle.
FAQs
Can I switch from monthly to yearly at any time?
Yes. The switch takes effect immediately. You're charged the full yearly price, your billing cycle resets, and you receive all 12 months of credits upfront. See How to Upgrade or Downgrade Your Plan for more information.
Will I lose my remaining credits if I switch?
No — remaining plan credits carry over in both directions. However, if switching from yearly to monthly, carried-over credits will expire at your next monthly renewal instead of your original annual date.
Do credits roll over at renewal?
No. Unused credits expire at the end of each billing cycle, whether monthly or yearly. Your balance resets to your plan's allocation at renewal.
Is the yearly discount permanent?
The yearly discount applies as long as you remain on a yearly plan. Visit the pricing page for current discount details.
Which billing option should I choose?
Yearly is best if you want the biggest discount and prefer having all credits available upfront for the full year. Monthly is best if you want flexibility and lower upfront commitment.
Updated on: 28/02/2026