---
title: "Fractional credits & display — Credits for Laravel | Roundly"
description: "Store fractional credits as integer minor units with a scale, and render them as exact, locale-free decimal strings."
url: https://roundly-consulting.com/open-source/docs/credits-for-laravel/displaying-balances
language: en
---

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# Fractional credits & display

Credits are stored as whole integers to avoid floating-point drift. To represent fractional credits, treat the stored value as minor units and set scale to the number of decimal places they represent — with scale = 2, a stored 150 means 1.50 credits. Store and deduct the minor units; storage stays a bigInteger and the core math is unchanged.

## Display helpers

Credits::for($user)->format() formats one bucket’s balance and Credits::format() any integer amount. Both return a locale-free plain decimal string — no thousands separators or locale formatting; wrap the result with Laravel’s Number helper if you need that:

```php
config(['credits.scale' => 2]);

Credits::for($user)->format();                        // the default bucket's balance, e.g. "1234.50"
Credits::for($user)->bucket('promotional')->format(scale: 0, rounding: \RoundingMode::HalfEven);

Credits::format(123450);                              // "1234.50" — any integer amount, no model needed
```

On the model, displayCreditsBalance() and displayCredits() are the trait forms:

```php
config(['credits.scale' => 2]);

$user->modifyCredits(123450);            // stores 123450 minor units

$user->displayCreditsBalance();          // "1234.50"  (a single bucket's balance)
$user->displayCredits(123450);           // "1234.50"  (format any integer amount)
$user->displayCredits(-123450);          // "-1234.50"
$user->displayCredits(5);                // "0.05"
```

## Scale and rounding overrides

Every helper takes an optional per-call scale (the decimal places to render) and rounding mode. When the requested scale is smaller than the stored scale, the dropped digits are rounded once using the mode — a native \\RoundingMode, defaulting to config('credits.rounding'). displayCreditsBalance() also accepts a point in time:

```php
$user->displayCredits(123450, scale: 0);                                          // "1235"
$user->displayCredits(123450, scale: 0, rounding: \RoundingMode::HalfTowardsZero); // "1234"
$user->displayCredits(1250, scale: 0, rounding: \RoundingMode::HalfEven);          // "12"
$user->displayCredits(1350, scale: 0, rounding: \RoundingMode::HalfEven);          // "14"

$user->displayCreditsBalance(bucket: 'promotional', scale: 0, at: now()->subWeek());
```

Every rounding mode, by its config name:

| credits.rounding | rounding: argument | Behaviour |
| --- | --- | --- |
| `half_away_from_zero` | \\RoundingMode::HalfAwayFromZero | Halves away from zero (the default). |
| `half_towards_zero` | \\RoundingMode::HalfTowardsZero | Halves toward zero. |
| `half_even` | \\RoundingMode::HalfEven | Halves to the nearest even digit — banker’s rounding. |
| `half_odd` | \\RoundingMode::HalfOdd | Halves to the nearest odd digit. |
| `towards_zero` | \\RoundingMode::TowardsZero | Always truncates toward zero. |
| `away_from_zero` | \\RoundingMode::AwayFromZero | Always rounds away from zero. |
| `positive_infinity` | \\RoundingMode::PositiveInfinity | Always rounds up (ceiling). |
| `negative_infinity` | \\RoundingMode::NegativeInfinity | Always rounds down (floor). |

## Exact at any size

A display scale larger than the stored scale renders exactly — the rescale runs on arbitrary-precision integer strings in money-for-laravel, so even PHP\_INT\_MAX never degrades to a float:

```php
config(['credits.scale' => 0]);

$user->displayCredits(PHP_INT_MAX, scale: 6); // "9223372036854775807.000000"
```

Display scales are capped at 36 decimal places; a negative display scale is treated as zero.

## Displaying totals

There are no dedicated display-total methods — compose them from the totals:

```php
$user->displayCredits($user->totalCreditsBalance());                               // formatted grand total
$user->displayCredits($user->creditsBalanceForBuckets(['promotional', 'purchased']));
```

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