> ## Documentation Index
> Fetch the complete documentation index at: https://docs.amlok.io/llms.txt
> Use this file to discover all available pages before exploring further.

# Pricing calculator

> Estimate usage by product and complexity, then compare it with your monthly minimum paid annually.

Choose your products and enter monthly volumes for each complexity tier. The estimate separates **usage deductions** from the **payment due at agreement signing or renewal**.

CAD estimates · 12-month view
Reset example

Select the tiers you use. Each selected volume starts at 50. Choose a slider preset or type an exact volume; for 10,000+, enter your exact quantity.

## Your commitment and discount

Minimum monthly commitment (CAD)

Starts at CAD 1,000. Paid annually at signing and each renewal.

Agreed unit-rate discount (%)

## Top-up planning

Estimate with automatic top-ups

Configure actual payments in your client portal. This calculator does not collect payments.

Automatic top-up threshold (CAD)

Starts at CAD 200.00. A trigger, not a balance floor.

Top-up amount (CAD)

Minimum CAD 500.00. With auto-pay off, this estimates manual funding needed.

## Negotiated rates

Use my agreed unit rates

Enter final CAD rates from your agreement. Custom quotes keep the Standard, Advanced, or Complex tier assigned by AMLOK.

## Your estimate

## How to use the estimate

* **Insights:** enter completed underwritings per month. Select the tiers in your portfolio and enter at least 50 for each selected tier. Unselected tiers contribute no usage; their quantity field is disabled.
* **Signal:** enter the average number of distinct active borrowers/businesses in each full month. Count each once in the workspace, regardless of the number of checks, lending facilities, connected bank accounts, or integrations. Assign each to its agreed tier without duplicating it across tiers.
* **Minimum monthly commitment:** starts at CAD 1,000.00, paid annually as 12 times the agreed amount at signing and each renewal.
* **Agreed discount:** enter a discount only if it applies to your agreement. It applies equally to published product rates, without reducing the monthly minimum.
* **Negotiated rates:** select **Use my agreed unit rates** to enter final CAD rates for each product and tier. These replace published rates, and the percentage discount is not applied again. Custom quotes keep the tier assigned by AMLOK.

## Calculation assumptions

The estimate repeats the entered monthly volumes for 12 months, uses full monitoring months, and starts with no carried credit balance. It rounds the effective unit rate to two decimals first using decimal half-up rounding, multiplies by the whole-number quantity, and projects 12 months. Reported monetary values have two decimals.

Automatic top-up planning starts with a CAD 200.00 trigger and CAD 500.00 amount. You can change these assumptions or turn auto-pay off. With auto-pay off, additional funding means manual top-ups needed to cover the projected usage. Requests can use credits below CAD 200.00; they are rejected only if available credits cannot cover them.

For example, exactly CAD 12,000.00 of usage against CAD 12,000.00 prepaid needs no extra funding with auto-pay off. With auto-pay on at the default settings and prompt settlement, crossing below CAD 200.00 triggers an additional CAD 500.00 top-up, leaving CAD 500.00 unused.

The payment at signing or renewal funds the shared workspace credit balance. **Total funding** is that payment plus any additional credits needed to cover estimated usage. It does not add the same usage charges a second time.

Unused credits remain available while your account stays active. Actual top-ups follow the threshold, amount, and payment method configured in the portal. Higher triggers or larger top-ups can leave more unused credits than this estimate. Payment settlement time can affect timing; the calculator does not simulate individual requests or funding delays. Renewal treatment of carried credits follows your signed agreement.

This is a planning estimate, not a quote. It excludes taxes and third-party provider fees. Enter your final agreed rates to estimate custom-priced workloads; the calculator does not assign tiers or approve workload exceptions. Signal reassessments are included in Signal and do not add Insights usage. The figures describe usage deductions, not a scheduled monthly payment. Final rates and workload limits are agreed in your order form.

See [complexity tiers](https://docs.amlok.io/pricing/complexity-tiers.md), [credits and billing](https://docs.amlok.io/pricing/credits-and-billing.md), and [common questions](https://docs.amlok.io/pricing/contract-terms.md#common-questions) for more detail.


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