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Most engineers pay for AI in more than one way: a Claude or ChatGPT subscription for interactive work, a metered API key for scripts, prepaid credits on a router. The same tokens cost very different amounts depending on which one paid for them. Terma records how each account is funded, so it can show both what your usage would cost at list price and what it actually adds to your bill.

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Funding modes

Every account an agent uses has one of these funding modes: A person can have several accounts for one source; each is shown separately on their Users page.

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Cost views

A Usage view control on the dashboard switches between three ways of counting, and your choice applies across every page: The difference between Notional and Net is how much your subscriptions absorbed. The Overview shows that split directly, as the share of spend covered by subscription.

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Where funding evidence comes from

Terma learns how usage is funded from the agents themselves, once a developer has run terma setup:
  • Claude Code — the signed-in account and plan, read at session start, and the plan’s allowance windows, read through Claude Code’s status line. See Claude Code.
  • Codex — the plan, its primary and secondary allowance windows, and credit balances, read by Terma’s Codex hooks.
When the effective credential is an API key rather than the subscription login, Terma does not attribute the usage to the subscription. If people run an agent on a machine without terma setup, their allowance windows are unobserved and their usage is Funding unknown. The Overview shows a funding gap banner naming how many people that affects.
Cursor and Antigravity hooks do not report plan, quota, or billed cost, so their usage is never classified as subscription-covered.

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How usage is priced

  • Sources that report cost — Claude Code’s telemetry, for example, or the amount OpenRouter charged — are used as reported.
  • Everything else is priced from Terma’s catalog of list prices, per model and provider. Session costs priced this way are marked Estimated (or Partly estimated) in the dashboard.
Each model’s page shows its current list prices by provider and their history. See Models.