Billing

Cosmo offers per-seat, per-month billing. Your plan determines the features and token allocation available to your organization. Billing is managed through the web app — the desktop app shows your current plan and links to the web for changes.

Plans

Token allocation is per user, per day, resetting at midnight UTC. Each member gets their own daily token budget — no shared pool, no one user starving the team. A single deep chat with context compaction can use 200K+ tokens per turn, so daily limits are sized to support sustained, intensive work.

A Free plan is also available for personal, non-collaborative use — the organization's Owner plus 1 additional member, 1 workspace, 3 MCP connections, up to 3 sub-workspaces (folders) per workspace, 200K tokens/day, no sync.

Getting Started — 14-Day Free Trial

Every new organization is automatically upgraded to the Standard plan for 14 days. No credit card required, no button to click — the trial starts the moment your organization is created.

When you activate a new organization on the web, you'll see a congratulations modal confirming your trial is active. You can dismiss it and continue to the desktop app to start working immediately.

You'll only ever see that modal once. The dismissal is recorded against your account rather than your browser, so it won't reappear after you sign out and back in, clear your browser data, or sign in from another device.

During the trial:

• All Standard plan features are available immediately
• You won't be charged until the trial ends
• Add a payment method anytime to continue seamlessly after the trial

The trial belongs to you, not the organization

The 14-day clock starts the first time you begin a trial and keeps running from that moment. If you delete an organization and create a new one, the new organization picks the trial back up with whatever time is left — you don't get another full 14 days, and you won't be shown the congratulations modal a second time.

Once the original 14 days have elapsed, creating another organization takes you straight to the plan options instead of a trial.

What happens when the trial ends?

• Payment method on file: Your Standard subscription activates automatically. You're billed per seat from that point.
• No payment method: The subscription is cancelled and your organization is moved to the Free plan. Your data is preserved.

Downgrading during the trial

If you decide Standard isn't for you, go to Settings → Billing and click Downgrade to Free. The trial ends immediately and your organization switches to the Free plan.

Managing Your Subscription

Organization Owners and Admins can manage the plan from the web app:

1. Go to Settings → Billing (or visit /org/manage?tab=billing)
2. View your current plan, trial status, and billing period
3. Upgrade, downgrade, or manage your payment method

Click Manage billing to open the Stripe Customer Portal, where you can:

• Update your payment method
• View invoices and payment history
• Change your plan (upgrade or downgrade)
• Cancel your subscription

Upgrading

Choose your target plan and complete checkout through Stripe. Upgrades take effect immediately — your current subscription is cancelled and a new one starts right away through Stripe Checkout, so you're billed for the new plan from that moment rather than a mid-cycle proration of the old one.

Downgrading

• To a lower paid plan: Takes effect immediately, the same mechanism as an upgrade — your current subscription is cancelled and a new one for the lower plan starts right away through Stripe Checkout.
• To Free: Takes effect immediately, whether you're on a trial or a paid plan. Your subscription is cancelled right away and your organization reverts to Free.

Cancellation

When you cancel or downgrade to Free:

• Your organization reverts to the Free plan immediately
• Nothing is deleted — workspaces beyond the Free plan's limit are archived (not deleted), MCP connectors beyond the limit are disconnected (their settings are kept), and members beyond the limit are removed from the organization (re-inviting restores their access). See If you have more than the Free plan allows below for exactly what's affected and how to get it back
• Feature access adjusts to Free plan limits (the Owner plus 1 additional member, 3 MCP connections, no sync)

If you have more than the Free plan allows

The Free plan supports 1 workspace, 3 MCP connectors, and 1 member besides the organization's Owner. If your organization had more than that on Standard or Premium, the org's Owner or an Admin must choose what to keep — a dialog in the web app walks through the choice and there's no way to skip or dismiss it:

• 1 workspace to keep active — every other workspace is archived (not deleted). They come back automatically the next time you upgrade off the Free plan — no separate restore step needed.
• Up to 3 MCP connectors to keep connected — the rest are disconnected, but their settings are kept so reconnecting later doesn't mean setting them up from scratch
• 1 additional member to keep, besides the organization's Owner — the organization's Owner always keeps their own access automatically and isn't part of this choice. Every other member is removed from the organization (re-inviting them restores their access)

The dialog appears to the Owner or an Admin the next time they open the web app, and stays until they confirm a choice — there's no countdown and nothing happens automatically in the background.

Once resolved, the Free plan's limits stay enforced going forward: trying to connect a 4th MCP connector, create a 2nd workspace, or create a 4th sub-workspace in a single workspace while on Free is refused until you disconnect/archive/delete one or upgrade. Reconnecting one of the connectors that was disconnected during the downgrade is unaffected by this — it doesn't count as adding a new one. Sub-workspaces (folders) you already had are not affected by the downgrade itself — the limit only applies going forward, to creating a new one.

Per-Seat Billing

Cosmo charges per user on your organization. The seat count is the number of active members plus any pending invitations in your organization.

• When you add a member (or send an invite), your subscription is updated with prorated billing for the remainder of the period
• When you remove a member or revoke an invite, the seat count decreases at the next billing cycle
• Pending invitations count as seats — an invite reserves a seat for the invitee before they accept

Usage and Quota

Every member gets a private token budget, tracked separately from every other member's. You can see exactly how much of it you've used:

• Desktop: open Settings → Usage for a Day / Week / Month breakdown of your token consumption, cost, and request count. The Day view also shows your quota as a percentage bar and the exact reset time.
• Web: the Usage tab at /org/manage?tab=usage shows the same breakdown.

Only the Day view has an enforced limit (your plan's daily token allocation, resetting at midnight UTC) — Week and Month are informational totals, useful for spotting trends, not a second limit.

What happens when you hit the daily limit

If a chat request would exceed your daily quota, it's blocked before anything streams, and you'll see a clear notice explaining that today's limit is reached, exactly when it resets, and a shortcut to view your usage or upgrade your plan — never a generic or technical error. Retrying immediately won't help: the limit doesn't lift until the reset time.

As you approach the limit (80% of your daily allocation), you'll also get a one-time heads-up so hitting the wall isn't a surprise.

Team Management

Organization settings also include team management at Settings → Team:

• View members: See all members with their roles and join dates
• Invite members: Send email invitations with a role assignment
• Change roles: Owners can change any member's role (Owner, Admin, Member, Viewer)
• Remove members: Owners and Admins can remove members from the organization

Enterprise

Enterprise plans are managed by the Cosmo team with custom pricing, dedicated support, and tailored agreements. Enterprise features include:

• Unlimited members, workspaces, MCP connections, storage, and history
• 10M AI tokens per user per day
• Bring your own API keys (Enterprise-only)
• SSO / SAML integration
• Custom MCP server registry
• Audit logging
• Custom billing terms and invoicing

Contact sales to discuss Enterprise pricing.

Enterprise Seat Management

Enterprise organizations have a purchased seat limit agreed upon in their contract. The Billing tab in Settings → Billing shows:

• Seats used — current active members plus pending invitations
• Available — remaining seats (purchased seats minus used seats)

When your organization reaches its purchased seat limit, new member invitations are blocked until seats are freed (by removing a member or revoking a pending invite) or until your seat count is increased.

To request seat changes, plan modifications, or billing questions:

• Email support@getcosmo.app
• Reference your organization name and the change needed

Seat changes made by the Cosmo team are reflected in your Billing tab immediately.

Desktop App

The desktop app shows your current plan as a badge in the sidebar. To manage billing:

1. Click your profile in the sidebar
2. Select Manage organization
3. Click Manage billing — this opens the web app in your browser

Plan changes made on the web are reflected in the desktop app automatically.

Payment Methods

Cosmo uses Stripe for payment processing. We accept all major credit and debit cards. Payment method management (adding, updating, removing cards) is handled through the Stripe Customer Portal.

Invoices

Invoices are generated automatically each billing period and are available in the Stripe Customer Portal. Each invoice includes:

• Base plan charge (price per seat x seat count)
• Any prorated charges from mid-cycle seat changes

FAQ

What happens to my data if I downgrade?

Nothing is deleted outright. If you downgrade to Free while over its limits, workspaces beyond the 1 you keep are archived, MCP connectors beyond 3 are disconnected, and members beyond the Owner plus 1 additional are removed — see If you have more than the Free plan allows. Everything else (chat history, artifacts in the workspace you keep, integrations within the new limits) is untouched, and feature access adjusts to the new plan's limits.

Can I switch plans mid-cycle?

Yes, and it always takes effect immediately, whichever direction: an upgrade, a downgrade to a lower paid plan, or a downgrade to Free. A plan switch between paid tiers cancels your current subscription and starts a new one through Stripe Checkout right away, rather than prorating the existing one.

What counts as a "seat"?

Every member of your organization counts as one seat, regardless of their role (Owner, Admin, Member, or Viewer).

Do I need a credit card to start the trial?

No. The 14-day Standard trial starts automatically when you create an organization — no clicks, no forms. You can add a payment method anytime before the trial ends. The web activation page shows a congratulations modal confirming the trial is active.

Why was my invitation blocked?

If your organization is on the Enterprise plan, invitations are blocked when the purchased seat limit is reached. Remove a member or revoke a pending invite to free up a seat, or contact support@getcosmo.app to increase your seat count.

Do pending invitations count as seats?

Yes. A pending invitation reserves a seat for the invitee before they accept. This prevents overbooking for organizations with fixed seat limits. Revoking an invitation frees the seat immediately.

Can I bring my own AI API keys?

BYO API keys are available on the Enterprise plan only. This lets you use your own Anthropic, OpenAI, or Azure AI keys for AI calls, so usage is billed directly to your accounts rather than counted against Cosmo's token quotas. Contact sales@getcosmo.app to discuss Enterprise pricing.