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OpenCode does not set a dollar cap for OpenRouter usage. OpenCode sends model requests; OpenRouter handles the requests and provides the billing controls. To limit spend, connect OpenCode to the intended OpenRouter API key, set a credit limit on that key, and verify the key and its usage in OpenRouter. For organization-wide enforcement, use an OpenRouter guardrail assigned to a member or key.
Understand which service controls spending
OpenCode is the client you use to choose and call models. When you use its built-in OpenRouter provider, OpenRouter processes those requests and applies the relevant account and key controls. Selecting a model in OpenCode, including setting a default model, does not create a spending cap.
OpenCode’s OpenRouter integration uses /connect to connect the provider and /models to choose a model. The provider documentation describes model identifiers in the form openrouter/<model-id>. Check the current OpenRouter catalog for the exact ID: available models and identifiers can change.
Set an individual limit on the key OpenCode uses
- In your OpenCode project, start OpenCode and run
/connect. Choose OpenRouter and enter the API key you intend OpenCode to use. - Run
/modelsand select an OpenRouter model. If you configure a default model, use the current model ID and OpenCode’sopenrouter/<model-id>format. - In OpenRouter, open the API key controls for that same key and configure its optional credit
limitandlimit_reset. Choose an amount and reset cadence that fit your budget. OpenRouter’s documentation does not prescribe a universal cap. - Check the key’s remaining allowance using OpenRouter’s
GET /api/v1/keyendpoint. The key information includeslimit,limit_reset, andlimit_remainingwhen applicable. - Make a small request through OpenCode, then check the key again and review OpenRouter Activity. Confirm that the allowance and activity belong to the key you configured.
A per-key limit controls the selected key, not every key or user in an account. If OpenCode is connected with a different key than the one you edited, that other key’s settings will not constrain its requests.
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Choose the right control for your scope
| Control | Scope | Enforcement and reset | Model/provider policy | How to verify |
|---|---|---|---|---|
| OpenRouter API-key credit limit | One API key | Optional key credit limit with a configured reset; the applicable reset cadence is shown in the key settings. | No model or provider allowlist is described for this control. | Check GET /api/v1/key for the key’s remaining allowance and review Activity. |
| Organization guardrail | An organization member or API key | Budget with a daily, weekly, or monthly reset. OpenRouter says requests over the budget are rejected with HTTP 403. | Can use model and provider allowlists. | Test a request that violates the policy and confirm rejection; inspect remaining limits and Activity attribution. |
| Model choice or default in OpenCode | Requests using that configured model choice | Does not impose a dollar limit. | Routes requests to a chosen model; it is not, by itself, a non-bypassable restriction. | Confirm the model used in OpenRouter Activity; use a guardrail allowlist if policy enforcement is required. |
Use organization guardrails for team policies
For an organization, OpenRouter’s team-spending guide dated 2026-08-07 describes budgets assigned to a member or API key, with daily, weekly, or monthly resets. It also describes model and provider allowlists and says an over-budget request is rejected with HTTP 403. These controls are better suited than a single individual key cap when a policy must apply to a person or key across requests.
- Set the intended organization budget and reset cadence, and assign it to the relevant member or key.
- If only approved models or providers may be used, configure the corresponding guardrail allowlist.
- Send a test request using the credential and model path covered by the policy. Check that the remaining limit changes after a permitted call.
- Deliberately attempt a request that violates the guardrail and confirm that it is rejected. Review Activity to check spend attribution by creator, key, or model.
OpenRouter’s guide cautions that a preset affects only requests that explicitly reference it. If a key must not be able to bypass a model restriction, use a guardrail model allowlist rather than relying on a preset alone.
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Check usage and attribute charges
To answer “How do I see my OpenRouter usage?”, use both the key-level information and Activity. GET /api/v1/key is useful for checking a key’s remaining credit allowance. The Activity dashboard provides usage visibility and can group spending by creator, API key, or model. Use the same OpenRouter account and key that OpenCode actually uses; otherwise, the figures may not describe the requests you are investigating.
Distinguish a spending cap error from other failures
OpenRouter documents several separate sources of spending limits: account balance, an optional API-key credit limit, and—in eligible prepaid accounts—an in-flight spending budget. The in-flight budget temporarily reserves estimated token costs while paid requests run and during a short settlement window. It can reject a request even if the account balance is positive. OpenRouter says it does not apply to free-model requests, certain BYOK requests without paid plugins, or enterprise, paid-subscription, and invoice-billed accounts.
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| Signal | What it indicates | What to check or do |
|---|---|---|
HTTP 402 with error.metadata.limit_source set to openrouter_key_limit |
The request hit the configured limit on that API key. | Check the key’s configured limit and remaining allowance with GET /api/v1/key; confirm OpenCode is using the intended key. |
HTTP 402 with error.metadata.limit_source set to openrouter_in_flight_budget |
Current or recently completed requests have filled the temporary in-flight budget. | Honor the response’s Retry-After information and retry after the hold clears. |
HTTP 402 with error.metadata.limit_source set to openrouter_credits |
The account may lack sufficient balance, or the estimated request cost may be too large for the available budget. | Check account credits and usage. If the request estimate is too high, reduce prompt size or max_tokens. |
| HTTP 429 | A request-rate limit or upstream provider throttle, rather than a dollar spending cap. | Follow any retry information in the response; identify whether the limit is from OpenRouter or the upstream provider. |
Do not assume that switching to a free model removes every restriction. Free variants may have request limits, and a negative account credit balance may affect access.
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.Use model selection to manage exposure, not as a cap
Choosing a model or setting an OpenCode default can help keep ordinary requests on the intended route, but it is not a spending control. OpenRouter’s team guide says a preset only affects requests that explicitly reference it. For a restriction that a key cannot bypass, use an organization guardrail model allowlist. Check the live catalog rather than relying on a remembered model ID or price; model availability, pricing, and usage vary.
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