Pricing
Baseline vs Premium — pay as you go
Baseline features ($0.001–$0.005/call) power everyday risk checks and time series. Premium capabilities unlock deeper L3 decomposition, portfolio-level risk indexing, PDF snapshots, and batch analytics — perfect for agents and power users.
Built for agentic workflows — the Python SDK handles ticker resolution, semantic field normalization, and portfolio aggregation client-side. Responses include latency headers like X-Agent-Decision-Latency-Ms.
Start free with $20 in credits — then pay per successful call by tier. No subscription, no seat fees.
At a glance
Compare tiers
| Baseline | Premium | |
|---|---|---|
| Typical price band | $0.001–$0.005 per successful call | From ~$0.02/call; batch per position (min $0.01); PDF snapshot $0.25 |
| What you get | Metrics (L1/L2/L3 snapshot), rankings, search, macro factors, correlations, returns (L3 HR/ER history), CLI | L3 decomposition, Portfolio Risk Index, Plaid sync, batch analytics, chat agent, PDF reports |
| Best for | Dashboards, monitoring, light automation, time-series workflows | Agents, quant stacks, portfolio deliverables, heavier analytics |
One account covers both — you are charged per call based on the endpoint's tier.
Pay-as-you-go · same key, tiered pricing
Credits never expire
Included with every account
- Full access to all ~3,000 US equities
- 41-factor ERM3 risk decompositions
- Hedge ratios at L1 / L2 / L3
- Historical data back to 2006
- REST API + CLI access
- TypeScript, Python, cURL examples
- OpenAPI 3.0 spec
- OAuth2 / AI-agent provisioning
- Optional auto-refill (off by default)
- Monthly spend cap controls
Baseline vs Premium
Per-endpoint prices
Calls are either Baseline or Premium — flat per successful request (batch: per position, minimum $0.01). No token math on data endpoints. Use the estimator for a monthly rough cut, then use the tables for exact rates. Advanced users: install riskmodels-py[xarray] for multi-dimensional factor cube workflows (see Methodology).
Baseline vs Premium
Model your monthly spend
Baseline features ($0.001–$0.005/call) power everyday risk checks and time series. Premium capabilities unlock deeper L3 decomposition, portfolio-level risk indexing, PDF snapshots, and batch analytics — perfect for agents and power users.
Slide request volumes by tier. Averages ($0.00 baseline, $0.03 premium) approximate a typical mix — use the tables below for exact per-endpoint prices.
Estimated monthly cost
$22.50
- Baseline (5,000 × avg)$10.00
- Premium (500 × avg)$12.50
(5,000 baseline × $0.00 avg) + (500 premium × $0.03 avg). Your first $20 in credits are free after card setup.
Baseline — Data Access
| Endpoint | Cost per call | Calls per $20 |
|---|---|---|
| Risk metrics / rankings / search | $0.001 | 20,000 |
| Macro factors / correlations | $0.002 | 10,000 |
| CLI query | $0.003 | 6,667 |
| Ticker returns (daily; L3 HR/ER in series, up to 15y) | $0.005 | 4,000 |
Premium — Analytics & Deliverables
| Endpoint | Cost per call | Calls per $20 |
|---|---|---|
| L3 risk decomposition | $0.02 | 1,000 |
| Plaid holdings sync | $0.02 | 1,000 |
| Portfolio Risk Index | $0.03 | 667 |
| Batch portfolio analysis | $0.005/pos | varies |
| AI risk analyst (chat) | ~$0.003/turn | ~6,600 |
| PDF risk snapshot | $0.25 | 80 |
All prices are per successful API call. Cached responses are free. Batch endpoints charge per position with a $0.01 minimum.
Auto-refill
Credits & refills
Auto-refill stays off until you turn it on. When enabled, your card is charged for the pack you select whenever your balance drops below your threshold (default $5).
Starter gift
$20 in free credits
Add a card to activate your key — we credit $20 instantly. No upfront charge. This is not a refill pack; it's our welcome balance so you can ship an agentic integration before you spend.
Credit packs (paid refills)
$20
Small · Individual
Adds $20 to your API balance — great for experiments and light scripts.
$50
Growth · Standard
Adds $50 to your API balance — default suggested tier when you enable auto-refill.
$100
Business · Production
Adds $100 to your API balance — fewer interruptions for high-volume workloads.
Manage auto-refill, tier, and threshold with GET / PATCH /api/user/billing-config (authenticated).
High volume
$100+ / month API spend?
If you're consistently in that range, mail service@riskmodels.app— we can raise rate limits, sharpen pricing for steady usage, and help you wire things up. We'll reply and keep it simple.
- Higher rate limits (100+ req/min) when you need them
- Volume pricing if you're consistently heavy
- Straightforward support—real replies, not a ticket black hole
- Help integrating (batch flows, auth, whatever you're stuck on)
Rate limits
Requests per minute
Limits are per API key and reset every minute.
| Tier | Rate limit | Best for |
|---|---|---|
| Standard | 30 req / min | Research, development, most apps |
| Enterprise | 100+ req / min | High-frequency, production systems |
FAQ
Common questions
Baseline vs Premium, credits, billing, and security — start with the first item for the tier overview.
Ready to start?
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