Published on  September 30, 2026 / 7 min read

Gumloop Review 2026: Agents, Credits, and the 8% Fee

Gumloop Review 2026: Agents, Credits, and the 8% Fee

Reviewed September 26, 2026. Research-based review of Gumloop's official pricing page — not a hands-on benchmark. Jet Admin publishes this comparison and is a competing product.

Gumloop is an AI agent platform. Its pricing page lists two plans — Pro from $37 a month and Enterprise on a quote — with no free tier, and it labels its workflow features "Workflows (Legacy)".

The subscription is the small part of the bill. What you actually pay is driven by credits at $0.005 each, plus an 8% orchestration fee on every run — or 16% if you bring your own model key.

Gumloop review: the quick verdict

Strong reasons to consider GumloopTrade-offs to evaluate
Unlimited agents, seats and teams on both tiersNo free tier — a 14-day trial, then $37/month
Bring your own API keys, 35+ modelsAn 8% orchestration fee on every run, 16% on BYOK
20,000 credits included on ProOverage costs 2.7× the included credit rate
Company Brain and GitHub Skill Sync for contextWorkflows are labelled "Legacy"; governance is Enterprise-only

No numerical score is given, because we did not run a scored hands-on evaluation.

What is Gumloop?

Gumloop builds AI agents that connect to your tools and do work. The pricing page frames it around agents, Company Brain context, connector policies and MCP hosting. The company announced a $50M Series B led by Benchmark.

The workflow builder that made Gumloop's earlier reputation is still present, but under a heading marked "Workflows (Legacy)", with concurrent workflow runs and queuing as its remaining published limits.

Why this matters for your research. Comparisons placing Gumloop against Zapier and Make as a workflow tool are describing the part of the product the vendor itself calls legacy. Establish which half you are buying before evaluating anything else.

Gumloop's key features

1. Unlimited agents, seats and teams

Both Pro and Enterprise list unlimited agents, unlimited seats and unlimited teams. In a category where seats are the standard cost axis, that is a genuine structural advantage — you are never charged for adding a colleague.

2. Bring your own API keys, across 35+ models

Pro supports 35+ models and BYOK; Enterprise adds custom proxy support. Running on your own keys moves model spend to your provider account rather than through Gumloop's credit conversion.

3. Credits with a published unit value

One credit is $0.005, so $1 buys 200. Pro includes 20,000 credits a month. A run's cost has four components: Chat & Reasoning (the model's cost converted at $0.005 per credit), Tool Calls (minimum one credit per successful call), Compute (5 credits per session-minute) and the orchestration fee.

4. Company Brain and GitHub Skill Sync

Both tiers include Company Brain — organisational context agents can draw on — and GitHub Skill Sync. For agents meant to act on your business rather than in the abstract, context is what makes them useful.

5. MCP hosting and a CLI

Pro includes hosting for one MCP server; Enterprise is custom and adds MCP server proxying. Gumloop MCP and a CLI are on both tiers, an unusually open developer surface for this category.

Gumloop pros

Seat-free pricing at both tiers

Unlimited seats and teams on a $37 plan is the clearest commercial argument for Gumloop. If your constraint is headcount rather than volume, nothing else on this list competes.

The credit formula is fully published

Four named components, a stated credit value of $0.005, and a stated compute rate of 5 credits per session-minute. That makes a Gumloop bill genuinely modellable before you commit — better than most credit-metered platforms in this series.

BYOK can substantially reduce the credit bill

With your own key, Chat & Reasoning stops consuming credits. Because reasoning dominates most agent runs, that is usually the single biggest lever on your Gumloop cost — with the caveat in the limitations below.

A developer surface, not a closed box

An MCP server, MCP integration and a CLI on the entry plan means engineers can work with Gumloop rather than around it.

Gumloop cons and limitations

The orchestration fee applies to the whole run

The 8% is calculated on the combined total of Chat & Reasoning, Tool Calls and Compute — so it scales with everything the agent does, rather than being a fixed charge.

The BYOK wrinkle is the part that catches people. Bringing your own key raises the fee from 8% to 16%, and the 16% is calculated on the run's value before the model-credit waiver — not on the smaller remaining compute and tool charges. So the fee base does not shrink when your model costs leave the credit bill.

What to do: compare the combined total, not the fee percentage. BYOK is still usually cheaper in Gumloop credits when reasoning dominates, but the real question is whether your negotiated model rates beat Gumloop's $0.005-per-credit conversion. Our Gumloop pricing guide works this through with numbers.

Overage is a materially worse rate

Included credits work out at roughly $0.00185 each ($37 ÷ 20,000). Overage is $0.005 each — about 2.7× more. Credits do not roll over on Pro; Enterprise can negotiate rollover.

What to do: size your usage to stay inside 20,000 where you can, because crossing that line is a rate change rather than a smooth extension. And lower the overage cap — Pro's default is 1,000,000 credits, which is $5,000.

There is no free tier

Pro and Enterprise only, with a 14-day trial rather than a permanent free plan.

Who it affects: anyone wanting to evaluate over time or run something small indefinitely. What to do: plan your evaluation inside 14 days, and use it to measure credit burn per run rather than to admire the builder.

Workflows are labelled legacy

If workflow automation is your actual requirement, building on a feature the vendor has marked legacy is a risk — not because it will stop working tomorrow, but because roadmap attention has visibly moved.

What to do: ask what "Legacy" means for support and development, and whether existing workflows have a migration path to agents.

Governance is entirely Enterprise-only

Role-based access control, SCIM/SAML, an admin dashboard, audit logs, custom data retention, security reports, data exports, AI spend insights, VPC and AI model access control are all Enterprise features. Pro has connector policies at agent scope rather than org-wide.

Who it affects: any organisation with a security review. On Pro there is essentially no governance layer, so a compliance requirement means Enterprise and a quote.

What do Gumloop users say?

We did not verify a current aggregate rating on G2 or Capterra for this review, so no score is cited. The figures above come from Gumloop's own pricing page and credits documentation.

One caution: ratings accumulated against the workflow-era product may not describe the agent platform it has become. If peer evidence matters, ask for reference customers using agents specifically.

Gumloop pricing in 2026

Read from Gumloop's pricing page on September 26, 2026. USD. Our Gumloop pricing guide breaks the credit formula into its four components and works through an agent at two volumes.

PlanPriceCreditsAgents / seats / teamsOrchestration feeGovernance
ProFrom $37/month, 14-day trial20,000/month, no rolloverUnlimited8%, or 16% on BYOKAgent-scoped connector policies only
EnterpriseCustomCustom, rollover negotiableUnlimitedDiscounts availableRBAC, SCIM/SAML, audit logs, VPC, data exports

One credit is $0.005. Compute is 5 credits per session-minute — $0.025 a minute, or $1.50 per hour of active processing. Pro includes 35+ models, BYOK, Company Brain, GitHub Skill Sync, shared credentials, 1 hosted MCP server, Gumloop MCP and CLI, 5 concurrent legacy workflow runs and 25 concurrent agent chats.

Why the step out of the allowance matters. Because overage is 2.7× the included rate, tripling your agent volume can multiply the bill by considerably more than three. That non-linearity, not the $37, is the thing to model before rolling an agent out widely.

Jet Admin vs. Gumloop: which should you evaluate?

PriorityWhat to evaluate
Deploying AI agents across your toolsGumloop is built for this
An interface your team works in over your own dataJet Admin connects to Postgres, MySQL and APIs
Unlimited seatsBoth: Gumloop on both tiers, Jet Admin on every plan
Predictable monthly costJet Admin is flat. Gumloop adds credits plus a percentage fee, with a 2.7× overage rate
Running on your own model keysGumloop supports BYOK across 35+ models
Credit rolloverNone on Gumloop Pro; Jet Admin lists 1-month rollover on Pro and Business
Audit logs, SSO and RBAC without an enterprise contractEnterprise-only on Gumloop. Jet Admin lists them on Business ($100/month, $80 annually)

Sources: Gumloop pricing, Gumloop credits, Jet Admin pricing, checked September 26, 2026. The two products' credits are not the same unit and should not be converted into each other.

When Gumloop is the better choice

For genuinely agentic work — research, unstructured triage, tasks where the sequence is not knowable in advance — Gumloop's model access, MCP support and BYOK option are the point, and no application layer substitutes for that.

Who should use Gumloop — and who should compare alternatives?

Good fit: teams deploying AI agents rather than deterministic workflows; organisations with many users, since seats are free; teams with their own model keys who want to control model spend.

Compare alternatives if: workflow automation is the actual requirement and "Legacy" concerns you; you need a free tier or longer than 14 days to evaluate; you need governance without an Enterprise contract; or a percentage fee plus a 2.7× overage rate is unacceptable for budgeting.

If the requirement is an operational interface over data you already hold, build it in Jet Admin and compare on billing shape as well as capability.

Gumloop review FAQ

Is Gumloop free?

No. The pricing page shows Pro from $37 a month with a 14-day trial, and Enterprise at custom pricing. There is no permanent free plan.

What is Gumloop's orchestration fee charged on?

The combined total of Chat & Reasoning, Tool Calls and Compute for a run — 8% on Pro. It rises to 16% with your own API key, and that 16% is calculated on the run's pre-waiver value rather than the reduced total.

What is a Gumloop credit worth?

$0.005, so $1 buys 200 credits. Overage is billed at the same $0.005, which is about 2.7× the effective rate of included credits.

Does Gumloop charge per seat?

No. Agents, seats and teams are unlimited on both tiers.

Do Gumloop credits roll over?

Not on Pro. Enterprise plans can negotiate rollover.

Are Gumloop workflows being discontinued?

The pricing page labels them "Workflows (Legacy)", which signals reduced roadmap attention rather than a stated end date. Ask Gumloop about support and any migration path to agents.

How does Gumloop compare with Jet Admin?

Gumloop runs AI agents with unlimited seats and BYOK; Jet Admin builds the internal tools your team uses over your own databases and APIs, on flat plans. Agents versus interfaces decides it.

Measure one agent run, then check it against 20,000

Run your agent ten times during the trial, read the credit breakdown, and multiply by realistic monthly volume. Then compare the result with the 20,000 allowance — because the step into overage is a 2.7× rate change, not a gentle slope. And lower that $5,000 overage cap before you ship.

If the breakdown shows reasoning credits being spent on decisions a person should make, put that step behind a review interface and re-measure what the agent still needs to do.

What is Jet Admin

Jet Admin is the AI app builder for turning your existing data into real business software — no code required. Describe what you need, and Jet's AI Builder instantly generates the app, connected to your live database or API, with role-based access and audit logs already built in.

Teams use it to build everything from admin panels and internal tools to CRMs, customer portals, and inventory systems — on the data they already have, with no per-seat fees and no migration required.

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