diff --git a/src/__tests__/baselines/source-function-lines.json b/src/__tests__/baselines/source-function-lines.json
index 7e0885638..16c5b2580 100644
--- a/src/__tests__/baselines/source-function-lines.json
+++ b/src/__tests__/baselines/source-function-lines.json
@@ -1,7 +1,7 @@
 {
   "$comment": "Production functions over 200 lines, keyed \"file :: name\", and their length. Maintained by src/__tests__/source-size-ratchet.test.ts.",
-  "count": 351,
-  "total": 113530,
+  "count": 350,
+  "total": 113326,
   "entries": {
     "app/achievements/page.tsx :: AchievementsPage": 206,
     "app/api/admin/backups/upload/route.ts :: apiHandler(arg)": 314,
@@ -31,7 +31,6 @@
     "app/api/medications/[id]/dose-history/route.ts :: apiHandler(arg)": 256,
     "app/api/medications/[id]/inventory/[itemId]/route.ts :: apiHandler(arg)": 204,
     "app/api/medications/[id]/schedule-revisions/[revisionId]/route.ts :: apiHandler(arg)": 250,
-    "app/api/medications/extract/route.ts :: handleExtract": 201,
     "app/api/mental-health/assessments/route.ts :: postAssessment": 249,
     "app/api/mood-entries/[id]/route.ts :: apiHandler(arg) #2": 296,
     "app/api/mood-entries/route.ts :: postMoodEntry": 324,
@@ -250,7 +249,7 @@
     "lib/ai/coach/glp1-snapshot.ts :: buildGlp1SnapshotBlock": 218,
     "lib/ai/coach/snapshot.ts :: buildCoachSnapshotImpl": 881,
     "lib/ai/coach/tools/loop.ts :: runCoachToolLoop": 438,
-    "lib/ai/coach/turn/model.ts :: runTurnModel": 540,
+    "lib/ai/coach/turn/model.ts :: runTurnModel": 538,
     "lib/ai/coach/turn/pipeline.ts :: runTurn": 274,
     "lib/ai/coach/turn/reply-guards.ts :: guardReply": 331,
     "lib/ai/codex-client.ts :: parseResponse": 302,
@@ -298,7 +297,7 @@
     "lib/insights/comprehensive-generate.ts :: generateComprehensiveInsight": 876,
     "lib/insights/features.ts :: extractFeatures": 796,
     "lib/insights/mood-aggregates.ts :: fetchMoodAggregates": 246,
-    "lib/insights/status-provider.ts :: runStatusCompletion": 225,
+    "lib/insights/status-provider.ts :: runStatusCompletion": 224,
     "lib/integrations/connection-health-load.ts :: loadConnectionFacts": 227,
     "lib/integrations/status.ts :: recordSyncFailure": 292,
     "lib/jobs/apple-health-import-worker.ts :: handleAppleHealthImport": 300,
diff --git a/src/app/api/documents/inbound/[id]/chat/__tests__/route.test.ts b/src/app/api/documents/inbound/[id]/chat/__tests__/route.test.ts
index 1cee38bac..823dd0fd6 100644
--- a/src/app/api/documents/inbound/[id]/chat/__tests__/route.test.ts
+++ b/src/app/api/documents/inbound/[id]/chat/__tests__/route.test.ts
@@ -210,6 +210,7 @@ beforeEach(() => {
     },
     workingProvider: { providerType: "anthropic", instance: {} },
     fallbackHops: [],
+    tokensSpent: 0,
   } as never);
 });
 
@@ -356,6 +357,7 @@ describe("POST — numeric grounding", () => {
       },
       workingProvider: { providerType: "anthropic", instance: {} },
       fallbackHops: [],
+      tokensSpent: 0,
     } as never);
     const res = await POST(
       req("doc-1", { message: "what is my ldl?" }) as never,
@@ -393,6 +395,7 @@ describe("POST — numeric grounding", () => {
       },
       workingProvider: { providerType: "anthropic", instance: {} },
       fallbackHops: [],
+      tokensSpent: 0,
     } as never);
     const res = await POST(
       req("doc-1", { message: "how is my ldl?" }) as never,
diff --git a/src/app/api/insights/chat/__tests__/dialog-harness.ts b/src/app/api/insights/chat/__tests__/dialog-harness.ts
index dff956574..178ef3964 100644
--- a/src/app/api/insights/chat/__tests__/dialog-harness.ts
+++ b/src/app/api/insights/chat/__tests__/dialog-harness.ts
@@ -325,6 +325,7 @@ async function runRawCompletionWithFallback(args: {
     },
     workingProvider: { providerType: "anthropic" },
     fallbackHops: [],
+    tokensSpent: 0,
   };
 }
 
diff --git a/src/app/api/insights/chat/__tests__/golden-harness.ts b/src/app/api/insights/chat/__tests__/golden-harness.ts
index 64324be38..e08e7c9aa 100644
--- a/src/app/api/insights/chat/__tests__/golden-harness.ts
+++ b/src/app/api/insights/chat/__tests__/golden-harness.ts
@@ -349,6 +349,7 @@ export function streamingResult(content: string) {
         model: "m-local",
       },
       workingProvider: { providerType: "local" },
+      tokensSpent: 0,
     };
   };
 }
diff --git a/src/app/api/insights/chat/__tests__/route-guard.test.ts b/src/app/api/insights/chat/__tests__/route-guard.test.ts
index 6499eb771..33603cc8e 100644
--- a/src/app/api/insights/chat/__tests__/route-guard.test.ts
+++ b/src/app/api/insights/chat/__tests__/route-guard.test.ts
@@ -264,6 +264,7 @@ async function noToolTurn(content: string): Promise<string> {
   runStreamingRawCompletionWithFallback.mockResolvedValue({
     result: { content, tokensUsed: 42, model: "m" },
     workingProvider: { providerType: "anthropic" },
+    tokensSpent: 0,
   });
   const res = await post(chatReq({ message: "How is my BP?" }));
   await sse.done;
diff --git a/src/app/api/insights/chat/__tests__/route-snapshot-once.test.ts b/src/app/api/insights/chat/__tests__/route-snapshot-once.test.ts
index 401598337..613398663 100644
--- a/src/app/api/insights/chat/__tests__/route-snapshot-once.test.ts
+++ b/src/app/api/insights/chat/__tests__/route-snapshot-once.test.ts
@@ -220,6 +220,7 @@ describe("coach chat — stateless no-tools snapshot grounding", () => {
     runStreamingRawCompletionWithFallback.mockResolvedValue({
       result: { content: "Your BP looks stable.", tokensUsed: 42, model: "m" },
       workingProvider: { providerType: "admin-openai" },
+      tokensSpent: 0,
     });
   });
 
@@ -276,6 +277,7 @@ describe("coach chat — snapshot stays grounded across transcript elision", ()
     runStreamingRawCompletionWithFallback.mockResolvedValue({
       result: { content: "Your BP looks stable.", tokensUsed: 42, model: "m" },
       workingProvider: { providerType: "admin-openai" },
+      tokensSpent: 0,
     });
   });
 
diff --git a/src/app/api/insights/chat/__tests__/route-tool-mode.test.ts b/src/app/api/insights/chat/__tests__/route-tool-mode.test.ts
index 7f25ae425..947964daa 100644
--- a/src/app/api/insights/chat/__tests__/route-tool-mode.test.ts
+++ b/src/app/api/insights/chat/__tests__/route-tool-mode.test.ts
@@ -569,6 +569,7 @@ describe("coach chat — tool-mode routing (F1)", () => {
     runStreamingRawCompletionWithFallback.mockResolvedValue({
       result: { content: "Your BP is steady.", tokensUsed: 42, model: "m" },
       workingProvider: { providerType: "anthropic" },
+      tokensSpent: 0,
     });
     await postAndDrain({ message: "How is my BP?" });
 
diff --git a/src/app/api/insights/chat/__tests__/route-workout-scope.test.ts b/src/app/api/insights/chat/__tests__/route-workout-scope.test.ts
index 64fad5815..11e0041ac 100644
--- a/src/app/api/insights/chat/__tests__/route-workout-scope.test.ts
+++ b/src/app/api/insights/chat/__tests__/route-workout-scope.test.ts
@@ -292,6 +292,7 @@ beforeEach(() => {
       model: "m",
     },
     workingProvider: { providerType: "admin-openai" },
+    tokensSpent: 0,
   });
   isModuleEnabled.mockResolvedValue(true);
 });
diff --git a/src/app/api/medications/extract/__tests__/route.test.ts b/src/app/api/medications/extract/__tests__/route.test.ts
index f13877232..81d06c85b 100644
--- a/src/app/api/medications/extract/__tests__/route.test.ts
+++ b/src/app/api/medications/extract/__tests__/route.test.ts
@@ -192,6 +192,7 @@ describe("POST /api/medications/extract — happy path", () => {
       },
       workingProvider: { providerType: "openai", instance: {} as never },
       fallbackHops: [],
+      tokensSpent: 0,
     });
 
     const res = await POST(
@@ -237,6 +238,7 @@ describe("POST /api/medications/extract — happy path", () => {
       },
       workingProvider: { providerType: "openai", instance: {} as never },
       fallbackHops: [],
+      tokensSpent: 0,
     });
 
     const res = await POST(
@@ -261,6 +263,7 @@ describe("POST /api/medications/extract — daily budget", () => {
       },
       workingProvider: { providerType: "openai", instance: {} as never },
       fallbackHops: [],
+      tokensSpent: 0,
     };
   }
 
@@ -409,6 +412,7 @@ describe("POST /api/medications/extract — validation + provider errors", () =>
       },
       workingProvider: { providerType: "openai", instance: {} as never },
       fallbackHops: [],
+      tokensSpent: 0,
     });
 
     const res = await POST(postReq({ text: "Mounjaro 5mg weekly" }) as never);
diff --git a/src/app/api/medications/extract/route.ts b/src/app/api/medications/extract/route.ts
index 4764d4d08..b0086519f 100644
--- a/src/app/api/medications/extract/route.ts
+++ b/src/app/api/medications/extract/route.ts
@@ -71,6 +71,7 @@ import {
   AllProvidersFailedError,
   runRawCompletionWithFallback,
 } from "@/lib/ai/provider-runner";
+import { spentOnFailure } from "@/lib/ai/reasoning/answerless";
 import { resolveProvider, resolveProviderChain } from "@/lib/ai/provider";
 import { singleUserTurn } from "@/lib/ai/types";
 
@@ -230,13 +231,9 @@ async function handleExtract(request: NextRequest): Promise<Response> {
     locale,
   });
 
-  // Atomically reserve the day's budget BEFORE the provider call. The old
-  // `enforceBudget` read-then-write left a TOCTOU window (concurrent calls
-  // could each observe a sub-cap total and all proceed) AND passed no cap, so
-  // it always measured against `OPERATOR_COST_CAP` — rationing a self-hoster
-  // paying for their own key by the operator's ceiling. `resolveDailyCap`
-  // charges the operator ceiling only when the chain's primary is the
-  // operator's own credential; every other chain gets the user-plan ceiling.
+  // Atomically reserve the day's budget BEFORE the provider call, against the
+  // cost owner's ceiling: the operator's only when the chain's primary is the
+  // operator's own credential, the user-plan ceiling for every other chain.
   const dateKey = accountToday;
   const estimatedTokens =
     MAX_OUTPUT_TOKENS +
@@ -268,11 +265,9 @@ async function handleExtract(request: NextRequest): Promise<Response> {
       params: singleUserTurn({
         system: systemPrompt,
         user: userPrompt,
-        // Low temperature because we want a deterministic field
-        // extractor, not a creative rephrase.
+        // A deterministic field extractor, not a creative rephrase.
         temperature: 0.1,
-        // The reply body is a single small JSON object; 600 is well
-        // over the empirical max we have seen on a 2k-char input.
+        // One small JSON object; well over the largest seen on 2k chars.
         maxTokens: MAX_OUTPUT_TOKENS,
         // Parsed with `parseModelJson` (JSON.parse) below — opt the OpenAI /
         // Codex chains into their strict JSON-object mode (gated on this flag).
@@ -280,12 +275,17 @@ async function handleExtract(request: NextRequest): Promise<Response> {
       }),
     });
   } catch (err) {
-    // Nothing was generated — refund the whole reservation rather than bill an
-    // invented figure. Best-effort: a failed refund must not mask the 503.
-    await reconcileSpend(userId, reservation.reserved, 0, dateKey, 0, {
-      servedBy: null,
-      reservedOwner: reservation.owner,
-    }).catch(() => {});
+    // Nothing was generated — refund the reservation rather than bill an
+    // invented figure, keeping only what the failed hops reported spending
+    // (#1279). Best-effort: a failed refund must not mask the 503.
+    await reconcileSpend(
+      userId,
+      reservation.reserved,
+      spentOnFailure(err),
+      dateKey,
+      0,
+      { servedBy: null, reservedOwner: reservation.owner },
+    ).catch(() => {});
     if (err instanceof AllProvidersFailedError) {
       annotate({
         action: { name: "medications.extract.provider-failed" },
@@ -296,12 +296,12 @@ async function handleExtract(request: NextRequest): Promise<Response> {
     throw err;
   }
 
-  // Reconcile against what the provider actually reported. This runs for the
-  // unusable-reply branches too: those tokens were burned upstream even though
-  // the body could not be used, so they stay on the ledger rather than funding
-  // a free retry loop. Falls back to the reservation when the provider reports
-  // no count, so an unreported generation is never billed as zero.
-  const actualTokens = completion.result.tokensUsed ?? reservation.reserved;
+  // What the provider reported, plus (#1279) what the hops that failed before
+  // it spent; for the unusable-reply branches too, since those tokens were
+  // burned upstream. No count falls back to the reservation, never to zero.
+  const actualTokens =
+    (completion.result.tokensUsed ?? reservation.reserved) +
+    completion.tokensSpent;
   await reconcileSpend(userId, reservation.reserved, actualTokens, dateKey, 0, {
     servedBy: completion.workingProvider.providerType,
     reservedOwner: reservation.owner,
diff --git a/src/lib/ai/__tests__/provider-runner-background-bench.test.ts b/src/lib/ai/__tests__/provider-runner-background-bench.test.ts
index 708c8bbac..976b546b4 100644
--- a/src/lib/ai/__tests__/provider-runner-background-bench.test.ts
+++ b/src/lib/ai/__tests__/provider-runner-background-bench.test.ts
@@ -210,6 +210,36 @@ describe("#1279: background work and a benched provider", () => {
     expect(local.calls).toBe(PROVIDER_PAUSE_THRESHOLD);
   });
 
+  it("reports what the hops before the answering one spent", async () => {
+    const ledger = createInMemoryProviderHealthLedger();
+    const out = await runRawCompletionWithFallback({
+      userId: "u-spent-then-answered",
+      surface: "job",
+      providers: [
+        {
+          providerType: "openai-compatible",
+          instance: new AnswerlessProvider(),
+        },
+        {
+          providerType: "anthropic",
+          instance: {
+            type: "anthropic",
+            generateCompletion: async () => ({
+              content: "ok",
+              tokensUsed: 100,
+              model: "m",
+              providerType: "anthropic",
+            }),
+          } as AIProvider,
+        },
+      ],
+      params: singleUserTurn({ system: "s", user: "u" }),
+      ledger,
+    });
+    expect(out.result.tokensUsed).toBe(100);
+    expect(out.tokensSpent).toBe(2700);
+  });
+
   it("sums what the failed hops reported spending", async () => {
     const ledger = createInMemoryProviderHealthLedger();
     const err = await runRawCompletionWithFallback({
diff --git a/src/lib/ai/coach/__tests__/tools-loop-always-reasoning-gateway.test.ts b/src/lib/ai/coach/__tests__/tools-loop-always-reasoning-gateway.test.ts
index 29c02bae1..f1be3a3be 100644
--- a/src/lib/ai/coach/__tests__/tools-loop-always-reasoning-gateway.test.ts
+++ b/src/lib/ai/coach/__tests__/tools-loop-always-reasoning-gateway.test.ts
@@ -209,6 +209,7 @@ async function turn(level: ReasoningLevel) {
       result: await client.generateCompletion(params),
       workingProvider: { providerType: "openai-compatible" },
       fallbackHops: [],
+      tokensSpent: 0,
     }),
   );
   return runCoachToolLoop({
diff --git a/src/lib/ai/coach/__tests__/tools-loop-budget.test.ts b/src/lib/ai/coach/__tests__/tools-loop-budget.test.ts
index 678e79f30..f7ae2181d 100644
--- a/src/lib/ai/coach/__tests__/tools-loop-budget.test.ts
+++ b/src/lib/ai/coach/__tests__/tools-loop-budget.test.ts
@@ -61,6 +61,7 @@ function round(
     },
     workingProvider: { providerType: "codex" },
     fallbackHops: [],
+    tokensSpent: 0,
   };
 }
 
diff --git a/src/lib/ai/coach/__tests__/tools-loop-callbacks.test.ts b/src/lib/ai/coach/__tests__/tools-loop-callbacks.test.ts
index 0c09a5057..941e2889a 100644
--- a/src/lib/ai/coach/__tests__/tools-loop-callbacks.test.ts
+++ b/src/lib/ai/coach/__tests__/tools-loop-callbacks.test.ts
@@ -37,6 +37,7 @@ function round(content: string, toolCalls?: Call[]) {
     },
     workingProvider: { providerType: "anthropic" },
     fallbackHops: [],
+    tokensSpent: 0,
   };
 }
 
diff --git a/src/lib/ai/coach/__tests__/tools-loop-final-round-wire.test.ts b/src/lib/ai/coach/__tests__/tools-loop-final-round-wire.test.ts
index c7f1e2abf..a97c0f021 100644
--- a/src/lib/ai/coach/__tests__/tools-loop-final-round-wire.test.ts
+++ b/src/lib/ai/coach/__tests__/tools-loop-final-round-wire.test.ts
@@ -98,6 +98,7 @@ async function capTurn(
       result: await client.generateCompletion({ ...params, ...extra }),
       workingProvider: { providerType },
       fallbackHops: [],
+      tokensSpent: 0,
     }),
   );
   return runCoachToolLoop({
diff --git a/src/lib/ai/coach/__tests__/tools-loop-miss-payloads.test.ts b/src/lib/ai/coach/__tests__/tools-loop-miss-payloads.test.ts
index 8cc8aa3ee..381e65d51 100644
--- a/src/lib/ai/coach/__tests__/tools-loop-miss-payloads.test.ts
+++ b/src/lib/ai/coach/__tests__/tools-loop-miss-payloads.test.ts
@@ -65,6 +65,7 @@ describe("coach tool loop — which results reach the grounding guard", () => {
         },
         workingProvider: { providerType: "anthropic" },
         fallbackHops: [],
+        tokensSpent: 0,
       })
       .mockResolvedValueOnce({
         result: {
@@ -76,6 +77,7 @@ describe("coach tool loop — which results reach the grounding guard", () => {
         },
         workingProvider: { providerType: "anthropic" },
         fallbackHops: [],
+        tokensSpent: 0,
       });
 
     const loop = await runCoachToolLoop(baseArgs);
@@ -110,6 +112,7 @@ describe("coach tool loop — which results reach the grounding guard", () => {
         },
         workingProvider: { providerType: "anthropic" },
         fallbackHops: [],
+        tokensSpent: 0,
       })
       .mockResolvedValueOnce({
         result: {
@@ -121,6 +124,7 @@ describe("coach tool loop — which results reach the grounding guard", () => {
         },
         workingProvider: { providerType: "anthropic" },
         fallbackHops: [],
+        tokensSpent: 0,
       });
 
     const loop = await runCoachToolLoop(baseArgs);
diff --git a/src/lib/ai/coach/__tests__/tools-loop.test.ts b/src/lib/ai/coach/__tests__/tools-loop.test.ts
index 36509a431..a71f44af7 100644
--- a/src/lib/ai/coach/__tests__/tools-loop.test.ts
+++ b/src/lib/ai/coach/__tests__/tools-loop.test.ts
@@ -42,6 +42,7 @@ function completion(opts: {
     },
     workingProvider: { providerType: "anthropic" },
     fallbackHops: [],
+    tokensSpent: 0,
   };
 }
 
diff --git a/src/lib/ai/coach/results/__tests__/loop-result-tables.test.ts b/src/lib/ai/coach/results/__tests__/loop-result-tables.test.ts
index 02ad76e56..674a9577b 100644
--- a/src/lib/ai/coach/results/__tests__/loop-result-tables.test.ts
+++ b/src/lib/ai/coach/results/__tests__/loop-result-tables.test.ts
@@ -35,6 +35,7 @@ function round(content: string, toolCalls?: unknown[]) {
     },
     workingProvider: { providerType: "anthropic" },
     fallbackHops: [],
+    tokensSpent: 0,
   };
 }
 
diff --git a/src/lib/ai/coach/tools/loop.ts b/src/lib/ai/coach/tools/loop.ts
index 5bfb5cc6a..1e5441adb 100644
--- a/src/lib/ai/coach/tools/loop.ts
+++ b/src/lib/ai/coach/tools/loop.ts
@@ -401,7 +401,7 @@ export async function runCoachToolLoop(args: {
     });
     if (spend) {
       await spend.settleRound({
-        tokens: result.tokensUsed ?? 0,
+        tokens: (result.tokensUsed ?? 0) + fallback.tokensSpent,
         cachedTokens: result.cachedInputTokens ?? 0,
         servedBy: fallback.workingProvider.providerType as ProviderChainType,
         final: isFinal,
diff --git a/src/lib/ai/coach/turn/__tests__/ledger-reasoning.test.ts b/src/lib/ai/coach/turn/__tests__/ledger-reasoning.test.ts
index 986ad92b5..a51a337d3 100644
--- a/src/lib/ai/coach/turn/__tests__/ledger-reasoning.test.ts
+++ b/src/lib/ai/coach/turn/__tests__/ledger-reasoning.test.ts
@@ -106,6 +106,14 @@ describe("reserveTurnBudget and the turn ledger", () => {
     ]);
   });
 
+  it("keeps what a failed call reported spending when the turn closes (#1279)", async () => {
+    const l = await ledger();
+    await l.close(2_700);
+    expect(b.reconcileSpend.mock.calls.map((c) => [c[1], c[2]])).toEqual([
+      [9_000, 2_700],
+    ]);
+  });
+
   it("settles a forced final round against the final reserve", async () => {
     const l = await ledger();
     await l.settleRound({
diff --git a/src/lib/ai/coach/turn/budget.ts b/src/lib/ai/coach/turn/budget.ts
index 603a08019..1fe05c0e1 100644
--- a/src/lib/ai/coach/turn/budget.ts
+++ b/src/lib/ai/coach/turn/budget.ts
@@ -41,8 +41,10 @@ export interface TurnLedger extends RoundSpend {
   /**
    * Give back everything still reserved and not settled. Called once the
    * turn is over, whatever way it ended; a second call does nothing.
+   * #1279 — `spent`, what a failed provider call reported spending, stays
+   * charged: a model that reasons without answering is billed for it.
    */
-  close(): Promise<void>;
+  close(spent?: number): Promise<void>;
 }
 
 export async function reserveTurnBudget(args: {
@@ -193,13 +195,13 @@ export function createTurnLedger(args: {
       }
       await settle(portion, tokens, cachedTokens, servedBy);
     },
-    async close() {
+    async close(spent = 0) {
       if (closed) return;
       closed = true;
       const unused = open.reduce((sum, n) => sum + n, 0) + finalHeld;
       open.length = 0;
       finalHeld = 0;
-      if (unused > 0) await settle(unused, 0, 0, null);
+      if (unused > 0 || spent > 0) await settle(unused, spent, 0, null);
     },
   };
 }
diff --git a/src/lib/ai/coach/turn/model.ts b/src/lib/ai/coach/turn/model.ts
index 6b989b55d..4f5ce6707 100644
--- a/src/lib/ai/coach/turn/model.ts
+++ b/src/lib/ai/coach/turn/model.ts
@@ -12,6 +12,7 @@ import {
   AllProvidersFailedError,
   runStreamingRawCompletionWithFallback,
 } from "@/lib/ai/provider-runner";
+import { spentOnFailure } from "@/lib/ai/reasoning/answerless";
 import type { ProviderChainType } from "@/lib/ai/provider-chain";
 import { singleUserTurn, type CompletionResult } from "@/lib/ai/types";
 import { PROMPT_VERSION } from "@/lib/ai/prompts/insight-generator";
@@ -689,7 +690,8 @@ export async function runTurnModel(args: {
     });
     const result = fallback.result;
     await args.ledger.settleRound({
-      tokens: result.tokensUsed ?? 0,
+      // #1279 — with what the hops that failed before it spent.
+      tokens: (result.tokensUsed ?? 0) + fallback.tokensSpent,
       cachedTokens: result.cachedInputTokens ?? 0,
       servedBy: fallback.workingProvider.providerType,
       final: false,
@@ -729,20 +731,17 @@ export async function runTurnModel(args: {
     };
   } catch (err) {
     // The provider chain failed: every round that returned is already
-    // settled; give back what is still reserved before the error frame.
-    await args.ledger.close();
-    // #781 — the client walked away mid-generation. The request's abort
-    // signal is threaded into every provider call, so the teardown surfaces
-    // here as an abort-shaped failure with `request.signal` already flipped.
-    // Close the turn honestly instead of letting the user message dangle
-    // unanswered: persist an EMPTY assistant marker tagged
-    // `providerType: "cancelled"` (the same channel "refusal" and "nudge"
-    // already use for non-provider rows) so the thread shows the turn as
-    // interrupted and offers a retry on reload. The content is empty by
-    // construction — nothing guarded was produced, and anything the client
-    // ever SAW was persisted before the first token frame left, so no
-    // unguarded partial text is ever written. The reservation was refunded
-    // above; a retry pays exactly what a fresh turn pays.
+    // settled; give back what is still reserved before the error frame, less
+    // what the failed hops reported spending (#1279).
+    await args.ledger.close(spentOnFailure(err));
+    // #781 — the client walked away mid-generation (the abort signal is
+    // threaded into every provider call). Close the turn honestly instead of
+    // leaving the user message dangling: persist an EMPTY assistant marker
+    // tagged `providerType: "cancelled"` (the channel "refusal" and "nudge"
+    // use for non-provider rows), so the thread shows the turn as interrupted
+    // and offers a retry. Empty by construction: nothing guarded was
+    // produced, and anything the client SAW was persisted before the first
+    // token frame left. A retry pays exactly what a fresh turn pays.
     if (signal.aborted) {
       await appendMessage({
         conversationId,
diff --git a/src/lib/ai/provider-runner.ts b/src/lib/ai/provider-runner.ts
index 11de8b6fc..fe6174638 100644
--- a/src/lib/ai/provider-runner.ts
+++ b/src/lib/ai/provider-runner.ts
@@ -674,6 +674,7 @@ async function runRawChain(
         result,
         workingProvider: candidate,
         fallbackHops: hops,
+        tokensSpent: hops.reduce((sum, h) => sum + (h.tokensSpent ?? 0), 0),
       };
     } catch (error) {
       if (!isHardProviderFailure(error)) {
@@ -766,6 +767,12 @@ export interface RunRawWithFallbackResult {
   result: CompletionResult;
   workingProvider: ProviderChainResolved;
   fallbackHops: FallbackHop[];
+  /**
+   * #1279 — tokens the hops that failed before `workingProvider` answered
+   * reported spending, summed. Not in `result.tokensUsed`, which is the
+   * answering call's alone; a caller that reconciles budget charges both.
+   */
+  tokensSpent: number;
 }
 
 /**
diff --git a/src/lib/documents/__tests__/fenced-chat-pipeline.test.ts b/src/lib/documents/__tests__/fenced-chat-pipeline.test.ts
index facf860c6..4eb1f4845 100644
--- a/src/lib/documents/__tests__/fenced-chat-pipeline.test.ts
+++ b/src/lib/documents/__tests__/fenced-chat-pipeline.test.ts
@@ -106,6 +106,7 @@ beforeEach(() => {
     result: { content: "ok", tokensUsed: 10, model: "m" },
     workingProvider: { providerType: "anthropic" },
     fallbackHops: [],
+    tokensSpent: 0,
   } as never);
 });
 
@@ -194,6 +195,7 @@ describe("streamFencedReply — numeric grounding over the UNION", () => {
       },
       workingProvider: { providerType: "anthropic" },
       fallbackHops: [],
+      tokensSpent: 0,
     } as never);
     const res = await streamFencedReply({
       ...baseArgs,
diff --git a/src/lib/documents/fenced-chat.ts b/src/lib/documents/fenced-chat.ts
index 90a834650..2321af54f 100644
--- a/src/lib/documents/fenced-chat.ts
+++ b/src/lib/documents/fenced-chat.ts
@@ -42,6 +42,7 @@ import {
   AllProvidersFailedError,
   runStreamingRawCompletionWithFallback,
 } from "@/lib/ai/provider-runner";
+import { spentOnFailure } from "@/lib/ai/reasoning/answerless";
 import { singleUserTurn } from "@/lib/ai/types";
 import {
   buildDateKey,
@@ -285,9 +286,8 @@ export async function streamFencedReply(
     args;
 
   // ── Provider resolution: document order (local-first, codex last), SINGLE
-  // pick, NO cascade — so the exact egress equals the checked target. The pick
-  // re-checks `documentAi` for that provider, consent receipt included; a
-  // refusal is thrown (403) before any egress. ──
+  // pick, NO cascade, so the egress is the checked target. The pick re-checks
+  // `documentAi` for it, receipt included, and throws 403 before egress. ──
   const { pick, withheld } = await resolveDocumentTextProvider(userId);
   if (withheld) throw withheld;
   if (!pick) {
@@ -364,8 +364,7 @@ Reply now as the assistant, grounded ONLY in the documents above, in ${
     contractLocale === "de" ? "German" : "English"
   }.`;
 
-  // The authoritative grounding set: the LIVE attachments' texts only. Never
-  // history, never a snapshot (none exists) — recomputed from `docs` this turn.
+  // The grounding set: the LIVE attachments' texts only, recomputed this turn.
   const groundingSources = docs.map((d) => d.text);
 
   type Outcome =
@@ -397,7 +396,9 @@ Reply now as the assistant, grounded ONLY in the documents above, in ${
       });
       result = fallback.result;
     } catch (err) {
-      await reconcileSpend(userId, reservation.reserved, 0, dateKey, 0, {
+      // #1279 — what the failed call reported spending stays charged.
+      const spent = spentOnFailure(err);
+      await reconcileSpend(userId, reservation.reserved, spent, dateKey, 0, {
         servedBy: null,
         reservedOwner: reservation.owner,
       }).catch(() => {});
diff --git a/src/lib/insights/__tests__/briefing-provider-budget.test.ts b/src/lib/insights/__tests__/briefing-provider-budget.test.ts
index 508fba298..bd9ff8143 100644
--- a/src/lib/insights/__tests__/briefing-provider-budget.test.ts
+++ b/src/lib/insights/__tests__/briefing-provider-budget.test.ts
@@ -110,6 +110,7 @@ function mockProviderReply(
     },
     workingProvider: { providerType: "admin-openai" },
     fallbackHops: [],
+    tokensSpent: 0,
   });
 }
 
@@ -133,6 +134,19 @@ describe("runBriefingCompletion — ledger accounting", () => {
     expect(ledgerTotal).toBe(1234);
   });
 
+  it("charges what the hops that failed before the answer spent (#1279)", async () => {
+    runRawCompletionWithFallback.mockResolvedValue({
+      result: { content: "{}", model: "m", tokensUsed: 1234 },
+      workingProvider: { providerType: "admin-openai" },
+      fallbackHops: [],
+      tokensSpent: 2700,
+    });
+
+    await runBriefingCompletion(completionArgs());
+
+    expect(ledgerTotal).toBe(1234 + 2700);
+  });
+
   it("charges the reservation when the provider reports no token count", async () => {
     mockProviderReply(null);
 
diff --git a/src/lib/insights/__tests__/comprehensive-briefing-grounding-disposal.test.ts b/src/lib/insights/__tests__/comprehensive-briefing-grounding-disposal.test.ts
index 17c106731..88bcdecd4 100644
--- a/src/lib/insights/__tests__/comprehensive-briefing-grounding-disposal.test.ts
+++ b/src/lib/insights/__tests__/comprehensive-briefing-grounding-disposal.test.ts
@@ -165,6 +165,7 @@ function completion(content: string) {
     result: { content, tokensUsed: 10, model: "m" },
     workingProvider: { providerType: "openai" },
     fallbackHops: [],
+    tokensSpent: 0,
   };
 }
 
diff --git a/src/lib/insights/__tests__/comprehensive-briefing-reroll.test.ts b/src/lib/insights/__tests__/comprehensive-briefing-reroll.test.ts
index 00ce1b374..64bb13794 100644
--- a/src/lib/insights/__tests__/comprehensive-briefing-reroll.test.ts
+++ b/src/lib/insights/__tests__/comprehensive-briefing-reroll.test.ts
@@ -162,6 +162,7 @@ describe("daily-briefing re-roll on unchanged data", () => {
       },
       workingProvider: { providerType: "openai" },
       fallbackHops: [],
+      tokensSpent: 0,
     });
 
     const outcome = await generateComprehensiveInsight("u1", { locale: "de" });
@@ -226,6 +227,7 @@ describe("daily-briefing re-roll on unchanged data", () => {
       result: { content: "not json at all", tokensUsed: 5, model: "m" },
       workingProvider: { providerType: "openai" },
       fallbackHops: [],
+      tokensSpent: 0,
     });
 
     const outcome = await generateComprehensiveInsight("u1", { locale: "de" });
diff --git a/src/lib/insights/__tests__/comprehensive-budget-refusal.test.ts b/src/lib/insights/__tests__/comprehensive-budget-refusal.test.ts
index e2b135eb3..9f61a3efe 100644
--- a/src/lib/insights/__tests__/comprehensive-budget-refusal.test.ts
+++ b/src/lib/insights/__tests__/comprehensive-budget-refusal.test.ts
@@ -166,6 +166,7 @@ beforeEach(() => {
     result: { content: VALID, tokensUsed: 900, model: "m" },
     workingProvider: { providerType: "admin-openai" },
     fallbackHops: [],
+    tokensSpent: 0,
   });
 });
 
@@ -269,11 +270,13 @@ describe("generateComprehensiveInsight — daily token ceiling", () => {
         result: { content: "not json", tokensUsed: 400, model: "m" },
         workingProvider: { providerType: "admin-openai" },
         fallbackHops: [],
+        tokensSpent: 0,
       })
       .mockResolvedValueOnce({
         result: { content: VALID, tokensUsed: 900, model: "m" },
         workingProvider: { providerType: "admin-openai" },
         fallbackHops: [],
+        tokensSpent: 0,
       });
 
     const outcome = await generateComprehensiveInsight("u1", { locale: "de" });
diff --git a/src/lib/insights/__tests__/comprehensive-generate-force.test.ts b/src/lib/insights/__tests__/comprehensive-generate-force.test.ts
index 3878245df..c1ccda632 100644
--- a/src/lib/insights/__tests__/comprehensive-generate-force.test.ts
+++ b/src/lib/insights/__tests__/comprehensive-generate-force.test.ts
@@ -301,6 +301,7 @@ describe("generateComprehensiveInsight — content-hash gate (v1.16.8)", () => {
       },
       workingProvider: { providerType: "openai" },
       fallbackHops: [],
+      tokensSpent: 0,
     });
 
     const outcome = await generateComprehensiveInsight("u1", {
@@ -353,6 +354,7 @@ describe("generateComprehensiveInsight — content-hash gate (v1.16.8)", () => {
       },
       workingProvider: { providerType: "openai" },
       fallbackHops: [],
+      tokensSpent: 0,
     });
 
     // The kilogram fingerprint no longer matches: a unit switch regenerates.
@@ -429,6 +431,7 @@ describe("generateComprehensiveInsight — content-hash gate (v1.16.8)", () => {
       },
       workingProvider: { providerType: "openai" },
       fallbackHops: [],
+      tokensSpent: 0,
     });
 
     const outcome = await generateComprehensiveInsight("u1", {
@@ -467,6 +470,7 @@ describe("generateComprehensiveInsight — content-hash gate (v1.16.8)", () => {
       },
       workingProvider: { providerType: "openai" },
       fallbackHops: [],
+      tokensSpent: 0,
     });
 
     const outcome = await generateComprehensiveInsight("u1", {
@@ -503,6 +507,7 @@ describe("generateComprehensiveInsight — content-hash gate (v1.16.8)", () => {
       },
       workingProvider: { providerType: "openai" },
       fallbackHops: [],
+      tokensSpent: 0,
     });
 
     const outcome = await generateComprehensiveInsight("u1", {
@@ -553,6 +558,7 @@ describe("generateComprehensiveInsight — usage level", () => {
       },
       workingProvider: { providerType: "openai" },
       fallbackHops: [],
+      tokensSpent: 0,
     });
   }
 
diff --git a/src/lib/insights/__tests__/comprehensive-json-retry.test.ts b/src/lib/insights/__tests__/comprehensive-json-retry.test.ts
index 3a6f0e78f..3795d2d85 100644
--- a/src/lib/insights/__tests__/comprehensive-json-retry.test.ts
+++ b/src/lib/insights/__tests__/comprehensive-json-retry.test.ts
@@ -130,11 +130,13 @@ describe("comprehensive JSON-retry", () => {
         },
         workingProvider: { providerType: "openai" },
         fallbackHops: [],
+        tokensSpent: 0,
       })
       .mockResolvedValueOnce({
         result: { content: VALID, tokensUsed: 10, model: "m" },
         workingProvider: { providerType: "openai" },
         fallbackHops: [],
+        tokensSpent: 0,
       });
 
     const outcome = await generateComprehensiveInsight("u1", { locale: "de" });
@@ -161,6 +163,7 @@ describe("comprehensive JSON-retry", () => {
       result: { content: "still not json", tokensUsed: 5, model: "m" },
       workingProvider: { providerType: "openai" },
       fallbackHops: [],
+      tokensSpent: 0,
     });
 
     const outcome = await generateComprehensiveInsight("u1", { locale: "de" });
@@ -174,6 +177,7 @@ describe("comprehensive JSON-retry", () => {
       result: { content: VALID, tokensUsed: 10, model: "m" },
       workingProvider: { providerType: "openai" },
       fallbackHops: [],
+      tokensSpent: 0,
     });
 
     const outcome = await generateComprehensiveInsight("u1", { locale: "de" });
diff --git a/src/lib/insights/__tests__/comprehensive-outbound-repair.test.ts b/src/lib/insights/__tests__/comprehensive-outbound-repair.test.ts
index 97adb76f7..2bbcc3ea6 100644
--- a/src/lib/insights/__tests__/comprehensive-outbound-repair.test.ts
+++ b/src/lib/insights/__tests__/comprehensive-outbound-repair.test.ts
@@ -137,6 +137,7 @@ function reply(content: string) {
     result: { content, tokensUsed: 10, model: "m" },
     workingProvider: { providerType: "openai" },
     fallbackHops: [],
+    tokensSpent: 0,
   };
 }
 
diff --git a/src/lib/insights/__tests__/comprehensive-plan-progress.test.ts b/src/lib/insights/__tests__/comprehensive-plan-progress.test.ts
index eaf83631b..062085827 100644
--- a/src/lib/insights/__tests__/comprehensive-plan-progress.test.ts
+++ b/src/lib/insights/__tests__/comprehensive-plan-progress.test.ts
@@ -128,6 +128,7 @@ beforeEach(() => {
     },
     workingProvider: { providerType: "openai" },
     fallbackHops: [],
+    tokensSpent: 0,
   });
 });
 
diff --git a/src/lib/insights/__tests__/comprehensive-privacy-flip.test.ts b/src/lib/insights/__tests__/comprehensive-privacy-flip.test.ts
index 87fbb55b1..76408f423 100644
--- a/src/lib/insights/__tests__/comprehensive-privacy-flip.test.ts
+++ b/src/lib/insights/__tests__/comprehensive-privacy-flip.test.ts
@@ -167,6 +167,7 @@ describe("generateComprehensiveInsight — consent withdrawn in flight", () => {
       },
       workingProvider: { providerType: "openai" },
       fallbackHops: [],
+      tokensSpent: 0,
     });
     userUpdateMany.mockResolvedValue({ count: 1 });
     const { AiUnavailableError } =
@@ -209,6 +210,7 @@ describe("generateComprehensiveInsight — scope/version commit guard", () => {
       },
       workingProvider: { providerType: "openai" },
       fallbackHops: [],
+      tokensSpent: 0,
     });
     // Some User update landed: the guarded commit matches zero rows.
     userUpdateMany.mockResolvedValue({ count: 0 });
@@ -258,6 +260,7 @@ describe("generateComprehensiveInsight — scope/version commit guard", () => {
       },
       workingProvider: { providerType: "openai" },
       fallbackHops: [],
+      tokensSpent: 0,
     });
     // The real DB returns count: 1 here too, since the guarded predicate
     // never references `updatedAt` — the credential-refresh write cannot
@@ -304,6 +307,7 @@ describe("generateComprehensiveInsight — scope/version commit guard", () => {
       },
       workingProvider: { providerType: "openai" },
       fallbackHops: [],
+      tokensSpent: 0,
     });
     // Simulates a genuine concurrent settings/profile change (exclude list,
     // gender, or display name edited) between the read above and the
@@ -349,6 +353,7 @@ describe("generateComprehensiveInsight — scope/version commit guard", () => {
       },
       workingProvider: { providerType: "openai" },
       fallbackHops: [],
+      tokensSpent: 0,
     });
     userUpdateMany.mockResolvedValue({ count: 1 });
 
@@ -388,6 +393,7 @@ describe("generateComprehensiveInsight — scope/version commit guard", () => {
       },
       workingProvider: { providerType: "openai" },
       fallbackHops: [],
+      tokensSpent: 0,
     });
     userUpdateMany.mockResolvedValue({ count: 0 });
 
diff --git a/src/lib/insights/__tests__/comprehensive-timeout-honored.test.ts b/src/lib/insights/__tests__/comprehensive-timeout-honored.test.ts
index 39307a17c..19f543c8a 100644
--- a/src/lib/insights/__tests__/comprehensive-timeout-honored.test.ts
+++ b/src/lib/insights/__tests__/comprehensive-timeout-honored.test.ts
@@ -135,6 +135,7 @@ describe("comprehensive timeout honouring", () => {
       result: { content: VALID, tokensUsed: 10, model: "m" },
       workingProvider: { providerType: "openai" },
       fallbackHops: [],
+      tokensSpent: 0,
     });
 
     await generateComprehensiveInsight("u1", { locale: "de" });
@@ -150,6 +151,7 @@ describe("comprehensive timeout honouring", () => {
       result: { content: VALID, tokensUsed: 10, model: "m" },
       workingProvider: { providerType: "openai" },
       fallbackHops: [],
+      tokensSpent: 0,
     });
 
     await generateComprehensiveInsight("u1", { locale: "de" });
diff --git a/src/lib/insights/__tests__/comprehensive-warm-timeout.test.ts b/src/lib/insights/__tests__/comprehensive-warm-timeout.test.ts
index ef7cd05ad..e90362f4e 100644
--- a/src/lib/insights/__tests__/comprehensive-warm-timeout.test.ts
+++ b/src/lib/insights/__tests__/comprehensive-warm-timeout.test.ts
@@ -145,6 +145,7 @@ describe("comprehensive warm-path timeout + failure observability", () => {
       result: { content: VALID, tokensUsed: 10, model: "m" },
       workingProvider: { providerType: "codex" },
       fallbackHops: [],
+      tokensSpent: 0,
     });
 
     const outcome = await generateComprehensiveInsight("u1", { locale: "de" });
diff --git a/src/lib/insights/__tests__/status-provider-budget.test.ts b/src/lib/insights/__tests__/status-provider-budget.test.ts
index ca21f4991..e0e3f23ac 100644
--- a/src/lib/insights/__tests__/status-provider-budget.test.ts
+++ b/src/lib/insights/__tests__/status-provider-budget.test.ts
@@ -125,6 +125,8 @@ function mockProviderReply(tokensUsed: number | null) {
   runRawCompletionWithFallback.mockResolvedValue({
     result: { content: '{"summary":"ok"}', model: "m", tokensUsed },
     workingProvider: { providerType: "admin-openai" },
+    fallbackHops: [],
+    tokensSpent: 0,
   });
 }
 
@@ -269,6 +271,19 @@ describe("runStatusCompletion — ledger accounting", () => {
     expect(chat.allowed).toBe(true);
   });
 
+  it("charges what the hops that failed before the answer spent (#1279)", async () => {
+    runRawCompletionWithFallback.mockResolvedValue({
+      result: { content: '{"summary":"ok"}', model: "m", tokensUsed: 100 },
+      workingProvider: { providerType: "admin-openai" },
+      fallbackHops: [],
+      tokensSpent: 2700,
+    });
+
+    await runStatusCompletion(completionArgs());
+
+    expect(ledgerTotal).toBe(100 + 2700);
+  });
+
   it("charges the reservation when the provider reports no token count", async () => {
     mockProviderReply(null);
 
@@ -398,6 +413,7 @@ describe("runStatusCompletion — cost owner decides the ceiling", () => {
     runRawCompletionWithFallback.mockResolvedValue({
       result: { content: '{"summary":"ok"}', model: "m", tokensUsed: 100 },
       workingProvider: { providerType: "anthropic" },
+      tokensSpent: 0,
     });
 
     const result = await runStatusCompletion(completionArgs());
diff --git a/src/lib/insights/__tests__/status-provider-slow-model.test.ts b/src/lib/insights/__tests__/status-provider-slow-model.test.ts
index e5bce7962..08db9e390 100644
--- a/src/lib/insights/__tests__/status-provider-slow-model.test.ts
+++ b/src/lib/insights/__tests__/status-provider-slow-model.test.ts
@@ -82,6 +82,7 @@ function answersAfter(afterMs: number) {
                 tokensUsed: 80,
               },
               workingProvider: { providerType: "local" },
+              tokensSpent: 0,
             }),
           afterMs,
         ),
diff --git a/src/lib/insights/briefing-provider.ts b/src/lib/insights/briefing-provider.ts
index ad28340c5..ea4e493ae 100644
--- a/src/lib/insights/briefing-provider.ts
+++ b/src/lib/insights/briefing-provider.ts
@@ -227,7 +227,9 @@ export async function runBriefingCompletion(
     throw err;
   }
 
-  const actualTokens = outcome.result.tokensUsed ?? reservation.reserved;
+  // #1279 — plus what the hops that failed before it spent.
+  const actualTokens =
+    (outcome.result.tokensUsed ?? reservation.reserved) + outcome.tokensSpent;
   await reconcileSpend(
     args.userId,
     reservation.reserved,
diff --git a/src/lib/insights/status-provider.ts b/src/lib/insights/status-provider.ts
index 4a67d8d94..4dec02709 100644
--- a/src/lib/insights/status-provider.ts
+++ b/src/lib/insights/status-provider.ts
@@ -344,13 +344,12 @@ export async function runStatusCompletion(
     return { kind: raced.timedOut ? "timeout" : "error" };
   }
 
-  const { result, workingProvider } = raced.value;
-  // Reconcile against what the provider actually reported. This runs for the
-  // empty-content branch too: those tokens were burned upstream even though the
-  // reply was unusable, so they stay on the ledger rather than being refunded
-  // into a free retry loop. Falls back to the reservation when the provider
-  // reports no count, so an unreported generation is never billed as zero.
-  const actualTokens = result.tokensUsed ?? reservation.reserved;
+  const { result, workingProvider, tokensSpent } = raced.value;
+  // What the provider reported, plus (#1279) what the hops that failed before
+  // it spent. The empty-content branch is charged too: those tokens were
+  // burned upstream. No count falls back to the reservation, never to zero.
+  const actualTokens =
+    (result.tokensUsed ?? reservation.reserved) + tokensSpent;
   await reconcileSpend(userId, reservation.reserved, actualTokens, dateKey, 0, {
     servedBy: workingProvider.providerType,
     reservedOwner: reservation.owner,
diff --git a/tests/integration/ai-extraction-capability.test.ts b/tests/integration/ai-extraction-capability.test.ts
index 6d57b5c2d..263eb2c48 100644
--- a/tests/integration/ai-extraction-capability.test.ts
+++ b/tests/integration/ai-extraction-capability.test.ts
@@ -105,6 +105,7 @@ vi.mock("@/lib/ai/provider-runner", async (importOriginal) => ({
     },
     workingProvider: { providerType: "anthropic" },
     fallbackHops: [],
+    tokensSpent: 0,
   })),
 }));
 
diff --git a/tests/integration/coach-chat.test.ts b/tests/integration/coach-chat.test.ts
index 30af73e8d..00c6cb523 100644
--- a/tests/integration/coach-chat.test.ts
+++ b/tests/integration/coach-chat.test.ts
@@ -181,6 +181,7 @@ describe("POST /api/insights/chat — integration", () => {
       },
       workingProvider: { providerType: "openai", instance: {} },
       fallbackHops: [],
+      tokensSpent: 0,
     });
     const { POST } = await import("@/app/api/insights/chat/route");
 
@@ -331,6 +332,7 @@ describe("POST /api/insights/chat — integration", () => {
       },
       workingProvider: { providerType: "openai", instance: {} },
       fallbackHops: [],
+      tokensSpent: 0,
     });
     const { POST } = await import("@/app/api/insights/chat/route");
 
@@ -399,6 +401,7 @@ describe("POST /api/insights/chat — integration", () => {
       },
       workingProvider: { providerType: "openai", instance: {} },
       fallbackHops: [],
+      tokensSpent: 0,
     });
     const { POST } = await import("@/app/api/insights/chat/route");
 
@@ -509,6 +512,7 @@ describe("POST /api/insights/chat — integration", () => {
       },
       workingProvider: { providerType: "openai", instance: {} },
       fallbackHops: [],
+      tokensSpent: 0,
     });
     const { POST } = await import("@/app/api/insights/chat/route");
 
diff --git a/tests/integration/routes/parity/insights-generate.parity.test.ts b/tests/integration/routes/parity/insights-generate.parity.test.ts
index 81d01d215..0cdb9d831 100644
--- a/tests/integration/routes/parity/insights-generate.parity.test.ts
+++ b/tests/integration/routes/parity/insights-generate.parity.test.ts
@@ -171,6 +171,7 @@ vi.mock("@/lib/ai/provider-runner", async (importOriginal) => {
         },
         workingProvider: args.providers[0],
         fallbackHops: [],
+        tokensSpent: 0,
       };
     },
   };