diff --git a/src/platform/cloud/subscription/components/CreditsTile.test.ts b/src/platform/cloud/subscription/components/CreditsTile.test.ts
index 2ca5ff4c499..3670771950e 100644
--- a/src/platform/cloud/subscription/components/CreditsTile.test.ts
+++ b/src/platform/cloud/subscription/components/CreditsTile.test.ts
@@ -194,7 +194,7 @@ describe('CreditsTile', () => {
     expect(container.textContent).toContain('422 left of 21K')
   })
 
-  it('uses the team credit stop monthly grant for the monthly total', () => {
+  it('uses the full annual Team grant for the credit pool total', () => {
     state.isActiveSubscription = true
     state.subscription = {
       tier: 'TEAM',
@@ -202,29 +202,51 @@ describe('CreditsTile', () => {
       renewalDate: '2026-02-20T12:00:00Z'
     }
     state.currentTeamCreditStop = {
-      id: 'team_2500',
-      credits_monthly: 527500,
-      stop_usd: 2500
+      id: 'team_700',
+      credits_monthly: 147700,
+      stop_usd: 700
+    }
+    state.balance = {
+      amountMicros: 840000,
+      cloudCreditBalanceMicros: 840000
+    }
+    const { container } = renderTile()
+    expect(container.textContent).toContain('1,772,400 left of 1,772,400')
+  })
+
+  it('keeps the monthly Team grant as the monthly credit pool total', () => {
+    state.isActiveSubscription = true
+    state.subscription = {
+      tier: 'TEAM',
+      duration: 'MONTHLY',
+      renewalDate: '2026-02-20T12:00:00Z'
+    }
+    state.currentTeamCreditStop = {
+      id: 'team_700',
+      credits_monthly: 147700,
+      stop_usd: 700
+    }
+    state.balance = {
+      amountMicros: 70000,
+      cloudCreditBalanceMicros: 70000
     }
-    state.balance = { amountMicros: 0, cloudCreditBalanceMicros: 200 }
     const { container } = renderTile()
-    // Monthly total is the stop's raw monthly grant, not the tier fallback,
-    // and is not multiplied by 12 for annual billing.
-    expect(container.textContent).toContain('422 left of 527,500')
+    expect(container.textContent).toContain('147,700 left of 147,700')
   })
 
-  it('uses the per-month nominal grant for an annual personal tier', () => {
+  it('uses the full annual grant for a personal tier credit pool', () => {
     state.isActiveSubscription = true
     state.subscription = {
       tier: 'PRO',
       duration: 'ANNUAL',
       renewalDate: '2026-02-20T12:00:00Z'
     }
-    state.balance = { amountMicros: 0, cloudCreditBalanceMicros: 200 }
+    state.balance = {
+      amountMicros: 120000,
+      cloudCreditBalanceMicros: 120000
+    }
     const { container } = renderTile()
-    // Annual billing still grants the monthly nominal (21,100), not 12x.
-    expect(container.textContent).toContain('422 left of 21,100')
-    expect(container.textContent).not.toContain('253,200')
+    expect(container.textContent).toContain('253,200 left of 253,200')
   })
 
   it('falls back to a dateless refills label when renewal date is missing', () => {
diff --git a/src/platform/cloud/subscription/components/CreditsTile.vue b/src/platform/cloud/subscription/components/CreditsTile.vue
index 8b9831f4b58..bb2494cbac8 100644
--- a/src/platform/cloud/subscription/components/CreditsTile.vue
+++ b/src/platform/cloud/subscription/components/CreditsTile.vue
@@ -57,7 +57,7 @@
           role="progressbar"
           :aria-valuenow="usage.used"
           :aria-valuemin="0"
-          :aria-valuemax="monthlyTotalCredits ?? 0"
+          :aria-valuemax="creditPoolTotalCredits ?? 0"
           :aria-valuetext="monthlyUsageLabel"
           class="h-2 w-full overflow-hidden rounded-full bg-secondary-background-hover"
         >
@@ -86,7 +86,7 @@
               {{
                 $t('subscription.creditsLeftOfTotal', {
                   remaining: monthlyBonusCredits,
-                  total: monthlyTotalDisplay
+                  total: creditPoolTotalDisplay
                 })
               }}
             </span>
@@ -94,7 +94,7 @@
               {{
                 $t('subscription.creditsLeftOfTotal', {
                   remaining: monthlyRemainingCompact,
-                  total: monthlyTotalCompact
+                  total: creditPoolTotalCompact
                 })
               }}
             </span>
@@ -233,16 +233,20 @@ const tierKey = computed(() => {
   return TIER_TO_KEY[tier] ?? DEFAULT_TIER_KEY
 })
 
-const monthlyTotalCredits = computed<number | null>(() => {
-  const teamStop = currentTeamCreditStop.value
-  if (teamStop) return teamStop.credits_monthly
-  return getTierCredits(tierKey.value)
+const creditPoolTotalCredits = computed<number | null>(() => {
+  const monthlyCredits =
+    currentTeamCreditStop.value?.credits_monthly ??
+    getTierCredits(tierKey.value)
+  if (monthlyCredits === null) return null
+  return subscription.value?.duration === 'ANNUAL'
+    ? monthlyCredits * 12
+    : monthlyCredits
 })
 
 const usage = computed(() =>
   computeMonthlyUsage(
     monthlyBonusCreditsValue.value,
-    monthlyTotalCredits.value ?? 0
+    creditPoolTotalCredits.value ?? 0
   )
 )
 
@@ -270,8 +274,8 @@ const formatCreditCount = (value: number) =>
     numberOptions: { maximumFractionDigits: 0 }
   })
 
-const monthlyTotalDisplay = computed(() => {
-  const total = monthlyTotalCredits.value
+const creditPoolTotalDisplay = computed(() => {
+  const total = creditPoolTotalCredits.value
   return total === null ? '—' : formatCreditCount(total)
 })
 
@@ -283,8 +287,8 @@ const compactNumber = computed(
 const monthlyRemainingCompact = computed(() =>
   compactNumber.value.format(monthlyBonusCreditsValue.value)
 )
-const monthlyTotalCompact = computed(() => {
-  const total = monthlyTotalCredits.value
+const creditPoolTotalCompact = computed(() => {
+  const total = creditPoolTotalCredits.value
   return total === null ? '—' : compactNumber.value.format(total)
 })
 
@@ -296,7 +300,7 @@ const usedBarWidth = computed(
 const monthlyUsageLabel = computed(() =>
   t('subscription.monthlyUsageProgress', {
     used: usedDisplay.value,
-    total: monthlyTotalDisplay.value
+    total: creditPoolTotalDisplay.value
   })
 )
 
@@ -304,8 +308,8 @@ const showBreakdown = computed(() => isActiveSubscription.value && !zeroState)
 const showBar = computed(
   () =>
     showBreakdown.value &&
-    monthlyTotalCredits.value !== null &&
-    monthlyTotalCredits.value > 0
+    creditPoolTotalCredits.value !== null &&
+    creditPoolTotalCredits.value > 0
 )
 const showActionButton = computed(
   () => isActiveSubscription.value && !zeroState && permissions.value.canTopUp