diff --git a/apps/x/apps/renderer/src/components/settings/account-settings.tsx b/apps/x/apps/renderer/src/components/settings/account-settings.tsx
index feee291b..c40f411e 100644
--- a/apps/x/apps/renderer/src/components/settings/account-settings.tsx
+++ b/apps/x/apps/renderer/src/components/settings/account-settings.tsx
@@ -17,11 +17,44 @@ import {
 import { Separator } from "@/components/ui/separator"
 import { useBilling } from "@/hooks/useBilling"
 import { toast } from "sonner"
+import type { BillingUsageBucket } from "@x/shared/dist/billing.js"
 
 interface AccountSettingsProps {
   dialogOpen: boolean
 }
 
+function formatPlanName(plan: string | null | undefined) {
+  if (!plan) return 'No Plan'
+  return `${plan.charAt(0).toUpperCase()}${plan.slice(1)} Plan`
+}
+
+function CreditUsageBar({ label, bucket, helper }: {
+  label: string
+  bucket: BillingUsageBucket
+  helper?: string
+}) {
+  const pct = bucket.sanctionedCredits > 0
+    ? Math.min(100, Math.max(0, Math.round((bucket.usedCredits / bucket.sanctionedCredits) * 100)))
+    : 0
+
+  return (
+    <div className="space-y-1.5">
+      <div className="flex items-start justify-between gap-3">
+        <div>
+          <p className="text-xs font-medium text-muted-foreground">{label}</p>
+          {helper ? <p className="text-[11px] text-muted-foreground">{helper}</p> : null}
+        </div>
+        <p className="shrink-0 text-xs font-medium tabular-nums">
+          {pct}%
+        </p>
+      </div>
+      <div className="h-2 overflow-hidden rounded-full bg-muted">
+        <div className="h-full rounded-full bg-primary transition-all" style={{ width: `${pct}%` }} />
+      </div>
+    </div>
+  )
+}
+
 export function AccountSettings({ dialogOpen }: AccountSettingsProps) {
   const [isRowboatConnected, setIsRowboatConnected] = useState(false)
   const [connectionLoading, setConnectionLoading] = useState(true)
@@ -164,7 +197,7 @@ export function AccountSettings({ dialogOpen }: AccountSettingsProps) {
             <div className="flex items-center justify-between">
               <div>
                 <p className="text-sm font-medium capitalize">
-                  {billing.subscriptionPlan ? `${billing.subscriptionPlan} Plan` : 'No Plan'}
+                  {formatPlanName(billing.subscriptionPlan)}
                 </p>
                 {billing.subscriptionStatus === 'trialing' && billing.trialExpiresAt ? (() => {
                   const days = Math.max(0, Math.ceil((new Date(billing.trialExpiresAt).getTime() - Date.now()) / (1000 * 60 * 60 * 24)))
@@ -179,14 +212,19 @@ export function AccountSettings({ dialogOpen }: AccountSettingsProps) {
                 {!billing.subscriptionPlan && (
                   <p className="text-xs text-muted-foreground">Subscribe to access AI features</p>
                 )}
-                {billing.subscriptionPlan === 'free' && (
-                  <p className="text-xs text-muted-foreground">Free usage resets daily at 00:00 UTC.</p>
-                )}
               </div>
               <Button variant="outline" size="sm" onClick={() => appUrl && window.open(`${appUrl}?intent=upgrade`)}>
                 {!billing.subscriptionPlan ? 'Subscribe' : billing.subscriptionPlan === 'free' ? 'Upgrade' : 'Change plan'}
               </Button>
             </div>
+            <div className="space-y-3 border-t pt-3">
+              <CreditUsageBar label="Monthly credits" bucket={billing.monthly} />
+              <CreditUsageBar
+                label="Daily credits"
+                bucket={billing.daily}
+                helper="Resets daily at 00:00 UTC"
+              />
+            </div>
           </div>
         ) : (
           <p className="text-xs text-muted-foreground">Unable to load plan details</p>
diff --git a/apps/x/apps/renderer/src/components/sidebar-content.tsx b/apps/x/apps/renderer/src/components/sidebar-content.tsx
index a679c4fd..dbb5edb5 100644
--- a/apps/x/apps/renderer/src/components/sidebar-content.tsx
+++ b/apps/x/apps/renderer/src/components/sidebar-content.tsx
@@ -96,6 +96,11 @@ function displayNoteName(node: TreeNode): string {
   return node.name
 }
 
+function formatBillingPlanName(plan: string | null | undefined) {
+  if (!plan) return 'No plan'
+  return `${plan.charAt(0).toUpperCase()}${plan.slice(1)} plan`
+}
+
 function formatAgo(ms: number): string {
   const diffMs = Math.max(0, Date.now() - ms)
   const min = Math.floor(diffMs / 60000)
@@ -921,7 +926,7 @@ export function SidebarContentPanel({
           <div className="flex items-center justify-between rounded-lg border border-sidebar-border bg-sidebar-accent/20 px-3 py-2">
             <div className="min-w-0">
               <span className="text-xs font-medium capitalize text-sidebar-foreground">
-                {billing.subscriptionPlan ? `${billing.subscriptionPlan} plan` : 'No plan'}
+                {formatBillingPlanName(billing.subscriptionPlan)}
               </span>
               {billing.subscriptionStatus === 'trialing' && billing.trialExpiresAt && (() => {
                 const days = Math.max(0, Math.ceil((new Date(billing.trialExpiresAt).getTime() - Date.now()) / (1000 * 60 * 60 * 24)))
diff --git a/apps/x/apps/renderer/src/lib/billing-error.ts b/apps/x/apps/renderer/src/lib/billing-error.ts
index ffb77470..bfbb3266 100644
--- a/apps/x/apps/renderer/src/lib/billing-error.ts
+++ b/apps/x/apps/renderer/src/lib/billing-error.ts
@@ -8,7 +8,7 @@ export const BILLING_ERROR_PATTERNS = [
   {
     pattern: /not enough credits/i,
     title: "You've run out of credits",
-    subtitle: 'Upgrade your plan for more credits. Free usage resets daily at 00:00 UTC.',
+    subtitle: 'Upgrade your plan for more monthly credits. Daily credits reset at 00:00 UTC.',
     cta: 'Upgrade plan',
   },
   {
diff --git a/apps/x/packages/core/src/billing/billing.ts b/apps/x/packages/core/src/billing/billing.ts
index 22bc3d5a..0b088be4 100644
--- a/apps/x/packages/core/src/billing/billing.ts
+++ b/apps/x/packages/core/src/billing/billing.ts
@@ -20,8 +20,17 @@ export async function getBillingInfo(): Promise<BillingInfo> {
       status: string | null;
       trialExpiresAt: string | null;
       usage: {
-        sanctionedCredits: number;
-        availableCredits: number;
+        monthly: {
+          sanctionedCredits: number;
+          usedCredits: number;
+          availableCredits: number;
+        };
+        daily: {
+          sanctionedCredits: number;
+          usedCredits: number;
+          availableCredits: number;
+          usageDay: string;
+        };
       };
     };
   };
@@ -31,7 +40,7 @@ export async function getBillingInfo(): Promise<BillingInfo> {
     subscriptionPlan: body.billing.plan,
     subscriptionStatus: body.billing.status,
     trialExpiresAt: body.billing.trialExpiresAt ?? null,
-    sanctionedCredits: body.billing.usage.sanctionedCredits,
-    availableCredits: body.billing.usage.availableCredits,
+    monthly: body.billing.usage.monthly,
+    daily: body.billing.usage.daily,
   };
 }
diff --git a/apps/x/packages/shared/src/billing.ts b/apps/x/packages/shared/src/billing.ts
index dca3343a..59fe68d3 100644
--- a/apps/x/packages/shared/src/billing.ts
+++ b/apps/x/packages/shared/src/billing.ts
@@ -3,13 +3,22 @@ import { z } from 'zod';
 export const BillingPlanSchema = z.enum(['free', 'starter', 'pro']);
 export type BillingPlan = z.infer<typeof BillingPlanSchema>;
 
+export const BillingUsageBucketSchema = z.object({
+  sanctionedCredits: z.number(),
+  usedCredits: z.number(),
+  availableCredits: z.number(),
+});
+export type BillingUsageBucket = z.infer<typeof BillingUsageBucketSchema>;
+
 export const BillingInfoSchema = z.object({
   userEmail: z.string().nullable(),
   userId: z.string().nullable(),
   subscriptionPlan: BillingPlanSchema.nullable(),
   subscriptionStatus: z.string().nullable(),
   trialExpiresAt: z.string().nullable(),
-  sanctionedCredits: z.number(),
-  availableCredits: z.number(),
+  monthly: BillingUsageBucketSchema,
+  daily: BillingUsageBucketSchema.extend({
+    usageDay: z.string(),
+  }),
 });
 export type BillingInfo = z.infer<typeof BillingInfoSchema>;