This is the one page you need. What does a chat cost? An image? A Mood Snap? Everything that costs anything in StoryChat lives right here, in one hub — and every other help article links back to this page. Skim it. You don't have to memorize a thing.
Tip: Just want the answer fast? Jump straight to the Costs Table and Free Daily Allotments below. Everything else is the "why" behind those numbers.
Picture a rechargeable transit card. You load it once, and every ride pulls a little from the balance. When it's low, you top it up again — and whatever you loaded stays there, with no expiry date.
Story Points (we'll call them SP) are exactly that rechargeable card.
SP are a permanent currency. They never expire. Top up today, use it six months from now — 1 SP is still 1 SP.
SP are spent on two things:
Premium-model usage after you've used up your weekly Premium Allowance
Extras — image generation, Mood Snap unlocks, longer replies, and Auto Summary on Free/Silver
Why this matters: Because SP never expire, there's no "use it or lose it" pressure. Top up when you want, spend when you want.
The easiest way to understand StoryChat's models is to think of a phone plan.
Just like a plan with "unlimited base minutes," chat on the Default model is unlimited on every tier — Free users included (on Free it runs at standard, i.e. slightly slower, speed).
This is the safety net that keeps your conversation alive. No matter what, you can always keep chatting on the Default model.
Like the "monthly data" on a plan, premium and advanced models draw from a weekly Premium Allowance. That allowance refills automatically every week.
The allowance scales relatively by tier (there are no absolute numbers):
Tier | Weekly Premium Allowance |
|---|---|
Free | Daily trial |
Silver | Standard |
Gold | 5x Standard |
Platinum | 20x Standard |
Don't worry — you are never hard-locked. When your weekly allowance runs out, you have two choices:
Keep going with SP on the premium model, or
Drop back to the free Default model and just keep chatting.
Heads up: Either way, the conversation doesn't stop. Running out of allowance does not mean being cut off. Spend SP, or flow right back into the Default model.
This is the part people wonder about most, so let's make it crystal clear. It's simpler than it sounds.
Just like a restaurant bills your "order + the food" as one tab, SP is deducted once for your send + the AI's reply, combined.
One charge when you send, then another when the reply lands — that does NOT happen.
One message exchanged = one deduction. That's it.
Like fuel, heavier settings burn through it faster:
Deeper memory — the more conversation the bot keeps in mind
Longer replies — the longer the response
Bigger characters — the more lore and setup a character carries
The larger these settings, the faster your allowance and SP get used up.
Why this matters: The app shows you an estimated cost before you send. No surprise charges. See the number, then send as-is — or dial a setting down to save. The choice is always yours.
The essentials at a glance. Here's what extras cost in SP.
Feature | Cost |
|---|---|
Image generation | 300 SP each |
Mood Snap unlock | 50 SP each |
Response length: Short / Medium / Long / Extended | Free to set — a longer reply may use a bit more SP (all tiers) |
Auto Summary | Free & Silver: uses SP / Gold & Platinum: included (free) |
Tip: Setting any response length is free on every plan. A longer reply just generates more text, so on premium models it may use a bit more SP for that message — on the free Default model, longer replies still cost nothing. Bump it up whenever a longer reply is worth it.
On top of the costs table, each tier comes with free uses every day. Once you've used those up, the per-use SP cost above kicks in.
Feature | Free | Silver | Gold | Platinum |
|---|---|---|---|---|
Image generation (per day) | 0 | 0 | 5 | 15 |
Mood Snap unlock (per day) | 0 | 5 | 20 | 80 |
Heads up: After your free dailies are gone, the standard rate applies — 300 SP for image generation, 50 SP for Mood Snap. Your free uses reset each day. So on Free & Silver, image generation always costs 300 SP, and on Free, Mood Snap always costs 50 SP.
It's not all about spending — let's be just as clear about what never costs a thing:
Unlimited Default-model chat — every tier, forever. Your conversation doesn't stop.
Short replies — free on every tier.
Lorebook — costs no SP on any plan, with up to 5 trigger keywords per entry. The entry count per character is tier-based: Free & Silver up to 5 entries, Gold & Platinum up to 100 entries — upgrade to Gold for far more lore room. Lorebook itself costs no SP.
Creating and using Personas — making and using personas is free.
Why this matters: Lorebook (the core of a rich character memory) and Personas (which define you) are yours to use freely, with zero cost worries. No need to cut corners here.
It's simple.
Top up anytime in the app. Add exactly as much as you need, when you need it.
The SP you add never expires. There's no rush to spend it.
Tip: SP works like a transit card — load it once and it won't vanish, so you can top up without pressure and spend at your own pace.
Q. Do I get charged twice for a long reply?
A. No. SP is deducted once per message (your send + the AI reply, combined). A longer reply just makes that single deduction a bit larger — it never charges you twice. The length setting itself is free to choose on every plan; a longer answer simply uses a little more SP on that message on premium models (on the free Default model it still costs nothing).
Q. What happens at 0 SP?
A. Your chat doesn't stop. You flow right into the free Default model and keep talking. When you want premium models or extras again, top up then. There's no hard lock.
Q. Does Lorebook cost SP?
A. No. Lorebook costs no SP on any plan. The entry count is tier-based: Free & Silver up to 5 entries per character, Gold & Platinum up to 100 entries per character — upgrade to Gold for far more lore room. Build out a rich memory with no cost worries.
Q. Is the Default model really unlimited?
A. Yes. Default-model chat is unlimited on every tier (Free runs at standard speed). This is what keeps your conversation alive at all times.
Q. What happens when my free daily allotments run out?
A. From then on, the standard SP rate applies (300 SP per image, 50 SP per Mood Snap). They reset the next day.
- SP = a rechargeable transit card. Permanent currency, never expires.
- The Default model is unlimited for everyone — chat is never hard-locked.
- Premium models draw from a weekly Premium Allowance (Standard → 5x → 20x), refilling weekly. When it runs out, choose to keep going with SP or drop back to Default.
- SP is deducted once per message (your send + the AI reply combined). Deeper memory, longer replies, and bigger characters spend faster. Estimated cost is shown before you send.
- Extras: Image 300 SP · Mood Snap 50 SP · Response length free to set (a longer reply may use a bit more SP on premium models) · Auto Summary uses SP only on Free & Silver.
- Always free: unlimited Default chat, Short replies, Lorebook (costs no SP — Free/Silver up to 5, Gold/Platinum up to 100 entries per character), Personas.
Membership Plans — compare tier perks and pricing
Choosing an AI Model — Default vs premium, and when to use each
Response Length — the difference (and cost) of Short/Medium/Long/Extended
Longer Memory — widen what's remembered with the Memory Dial
Image Generation — how to generate images and what it costs
Mood Snap — unlocking and using Mood Snaps
Still have a question, or did a cost not match what you expected? Tell us anytime — it's never your fault, it's our chance to explain it better. Drop a note via in-app Support or our feedback channel and we'll get you sorted fast. Happy chatting!