AI API budget ran out: which error? Claude 400 and 429, Sume 402

Claude returns 429 enforced_spend_limit_reached at the tier cap and 400 for a limit you set. Sume returns 402 at create and a failed run at the cap.

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On Claude, hitting the monthly tier cap returns 429 with error_code enforced_spend_limit_reached and no retry-after, while hitting a limit you set yourself returns 400. On Sume, an empty wallet is a 402 at create, and a run that reaches its cap ends failed. Do not retry any of these in a loop, because waiting does not change the budget.

What does Claude return?

The rate limits page separates the cases.

Claude spend limit responses (read 2026-10-02)
SituationResponse
Monthly tier cap reached429 rate_limit_error, error_code enforced_spend_limit_reached, no retry-after
Self-set limit reached400 invalid_request_error, You have reached your specified API usage limits
Workspace limit reachedThe workspace variant of the 400
Default workspaceSpend and rate limits cannot be set on it

What does Sume return?

Sume splits the cases by when the money matters.

  • 402 insufficient_credits or organization_wallet_not_provisioned at create: nothing ran and nothing is billed.
  • 429 for rate limits, which is a separate case from budget. Check the code before you retry.
  • A run that hits its generation_spend_cap_usd ends failed. The failure shows on the receipt, and the finished generation is billed.
  • A 400 for a bad cap: 0 or a value above 500.

How should my client branch?

Branch on the code, never on the status alone. A 429 from Claude with no retry-after is a budget problem, so backing off for a second will not clear it. Page a person, or switch to a fallback path.

On Sume, a 402 is also a person problem. A failed run at its cap is different: the work started, so read the receipt before you start another, and raise the cap only if you meant to.

  • Retry network errors and 5xx with a backoff.
  • Never retry a spend error without a new decision.
  • Log the code and the budget field you read.

Where to read next

The credits and spend errors and the spend caps section list the exact Sume codes.

Sources

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