> ## Documentation Index > Fetch the complete documentation index at: https://carat.im/docs/llms.txt > Use this file to discover all available pages before exploring further. # Personal plans and credits: Generate with unlimited models in the Generator, no credits needed > This guidance is for personal plans and personal credits. See the separate team documentation for team plans. The Generator lets you pick a model and generate without a conversation. Learn how to open it, how to use it, and when credits are deducted. This page covers **plans, credits, and billing for a personal workspace**. Prices, benefits, credits, and billing or refund paths can differ for a team workspace. For team guidance, see [Get started with team plans](/docs/en/pricing/team-plans) and [Manage team billing, seats, and credits](/docs/en/pricing/team-billing-credits). ## With zero credits, open the generator instead of a chat When your credits run out, you cannot use an agent conversation. Choosing a model inside a chat still requires separate conversation credits. Unlimited benefits cover **generation costs** for eligible models and options, not the agent’s **conversation costs**. If you have enough conversation credits, eligible generation in the agent can still use your unlimited benefit. The generator is the way to keep generating without a conversation **when your credits are zero**. To generate images or videos with **models and options included in your account’s unlimited benefits**, open the [Generator(생성기)](https://carat.im/generator). On the web, use \[Generator(생성기)] in the left sidebar (open the top-left ☰ on mobile web); in the app, go to \[Home(홈)] → top-left menu (☰) → \[Generator(생성기)] (app version 2.281.0 or later). The generator uses no conversation credits, but accounts without the benefit and models or options outside its coverage still require credits. Choosing a model inside a chat still uses the agent conversation. If you are unsure which screen you are on, open the generator link above. Selecting \[Chat to create(대화로 생성)] in the generator takes you back to the agent conversation; with zero credits, stay in the generator to generate. The **\[Generator(생성기)]** lets you pick a model and generate right away, without chatting with an agent. It doesn't spend conversation credits, so **if your account has an unlimited benefit**, you can keep generating with models and options covered by that benefit even when your credit balance is low or at zero. The Generator itself is not free, though. **If your account has no unlimited benefit (including the free plan), or you pick a model that isn't unlimited-eligible, credits are deducted in the Generator too**, and you can't generate without enough balance. Check [Unlimited benefit scope](/docs/en/troubleshooting/usage-plan/unlimited-benefit-scope) to see what applies to your account. Unlimited benefits also depend on where you generate: they apply in the Carat app and website, in the \[Generator(생성기)] and with the AI agent, and they don't apply through MCP (Carat connected to Claude or another AI tool). Credits are deducted for unlimited-eligible models generated through MCP, so use the \[Generator(생성기)] in the Carat app or website to keep the benefit. See [Unlimited benefits don't apply through MCP](/docs/en/troubleshooting/usage-plan/mcp-unlimited-not-applied) for details. In the app, the \[Generator(생성기)] is available on **version 2.281.0 or later**. The web has no version requirement. If you don't see it in the app menu, update the app from your store. If you can't update, sign in at [carat.im/generator](https://carat.im/generator) and use it right away. ## Open the Generator Click \[Generator(생성기)] in the left side panel (on mobile web, open \[☰] at the top left first), or go straight to [carat.im/generator](https://carat.im/generator). The web works regardless of your app version. Go to \[Home(홈)] → \[Menu(메뉴)] (☰) at the top left → \[Generator(생성기)]. Requires app version 2.281.0 or later. ## How to use it At the top of the screen, choose \[Image(이미지)], \[Video(영상)], or \[Audio(오디오)]. Select the model yourself. Pick a model and options covered by your account’s unlimited benefits and generation deducts no credits. See [Unlimited benefit scope](/docs/en/troubleshooting/usage-plan/unlimited-benefit-scope) for which models qualify. Describe what you want, then set the aspect ratio and how many results to generate. You can also add reference images to carry over a character, style, or background. * **Video:** Set start and end frame images, and choose the options each model offers, such as resolution, duration in seconds, and whether to include audio. * **Audio:** Choose from Carat's own models for speech (TTS), music, and sound effects, or from third-party models. Press \[Generate(생성하기)] and your result is created. ## How credits apply | Situation | Credits | | :- | :- | | Generating with an **model and options covered by your account’s unlimited benefits** in the Generator (account with an unlimited benefit) | Nothing is deducted | | Generating with a **non-unlimited model** in the Generator | Credits are deducted per model, and you can't generate without enough balance | | Generating from an **account with no unlimited benefit** | The model's credits are deducted as usual | | Pressing \[Chat to create(대화로 생성)] at the top right | It only takes you to the agent screen. Pressing it deducts nothing | | Exchanging messages in the agent after moving there | The conversation uses credits | For video, the model isn't the only condition. The Carat Video (LTX) unlimited benefit applies to image-based generation and to start/end image generation. See [Carat Video is unlimited but generation is blocked](/docs/en/troubleshooting/usage-plan/carat-video-unlimited-blocked). The Generator may show a notice that **credits can be deducted again after generation based on actual usage**. For some models, the real usage is only settled after generation, based on what you entered and the options you picked. Speech (TTS) scales with the length of the text you provide, and image or video usage can vary with your inputs and settings. In those cases we deduct an estimated amount up front, then deduct the remaining difference once real usage is confirmed. The same generation is not billed twice, and this is expected behavior. If a deduction doesn't match what you expected, check your usage history on the \[My Credits(내 크레딧)] page to see which item was charged, and contact us if anything is still unclear. Conversation credits and generation credits are listed separately. When you do want a conversation, press \[Chat to create(대화로 생성)] at the top right of the Generator to continue in the agent. The button only moves you to the agent screen and deducts nothing on its own. Once you're there, the messages you exchange use credits, and the agent may pick a model for you, so generation can be charged too if that model isn't unlimited-eligible. When your balance is low, pick the model yourself in the Generator. ## Related articles Which models and tasks the unlimited benefit covers How to top up, upgrade, and keep generating ## The displayed model is different from the model I selected If you selected Nano Banana but see a different model name, check whether the same thing happens at the [direct generator link](https://carat.im/generator). The model selector inside a chat and the generator are different screens. If you already checked that link, you do not need to open it again. If the selected and displayed models still differ or eligible unlimited generation is blocked, send support a full-screen screenshot and your selected model and options. A model name alone does not establish that a high-resolution option is paid, and conversation costs do not explain a model switch. You do not need to resend information already provided; a support agent can check the account and request history. This documentation is built and hosted on [Mintlify](https://mintlify.com), a developer documentation platform.