diff --git a/apps/api/src/lib/entitlements.ts b/apps/api/src/lib/entitlements.ts
index 50731b7..d340ff4 100644
--- a/apps/api/src/lib/entitlements.ts
+++ b/apps/api/src/lib/entitlements.ts
@@ -8,22 +8,41 @@ import {
   type SubscriptionSnapshot,
   type TrialSnapshot,
 } from "@app/subscriptions";
-import { currentMonth } from "./helpers.js";
+import { currentMonth, getActiveHouseholdId } from "./helpers.js";
 import { errors } from "./errors.js";
 
+/** Vem "äger" kvoten? Hela hushållet delar ägarens plan + pott.
+ * Ensam användare = sig själv (äger sitt eget hushåll). */
+async function billingUserFor(db: Database, userId: string): Promise<string> {
+  const householdId = await getActiveHouseholdId(db, userId);
+  if (!householdId) return userId;
+  const [owner] = await db
+    .select({ userId: schema.householdMembers.userId })
+    .from(schema.householdMembers)
+    .where(
+      and(
+        eq(schema.householdMembers.householdId, householdId),
+        eq(schema.householdMembers.role, "owner"),
+      ),
+    )
+    .limit(1);
+  return owner?.userId ?? userId;
+}
+
 /** Ladda och beräkna entitlements för en användare. Backend = source of truth (spec §61.14). */
 export async function loadEntitlements(db: Database, userId: string): Promise<Entitlements> {
+  const billingUserId = await billingUserFor(db, userId);
   const [subRow] = await db
     .select()
     .from(schema.subscriptions)
-    .where(eq(schema.subscriptions.userId, userId))
+    .where(eq(schema.subscriptions.userId, billingUserId))
     .orderBy(desc(schema.subscriptions.updatedAt))
     .limit(1);
 
   const [trialRow] = await db
     .select()
     .from(schema.trials)
-    .where(eq(schema.trials.userId, userId))
+    .where(eq(schema.trials.userId, billingUserId))
     .limit(1);
 
   const [usageRow] = await db
@@ -31,7 +50,7 @@ export async function loadEntitlements(db: Database, userId: string): Promise<En
     .from(schema.aiUsageCounters)
     .where(
       and(
-        eq(schema.aiUsageCounters.userId, userId),
+        eq(schema.aiUsageCounters.userId, billingUserId),
         eq(schema.aiUsageCounters.month, currentMonth()),
       ),
     )
@@ -69,7 +88,8 @@ export async function loadEntitlementsWithToken(
 
 /** Kräv AI-kvot och räkna upp användningen atomiskt. */
 export async function consumeAiScan(db: Database, userId: string): Promise<void> {
-  const ent = await loadEntitlements(db, userId);
+  const billingUserId = await billingUserFor(db, userId);
+  const ent = await loadEntitlements(db, billingUserId);
   if (ent.aiScansUsedThisMonth >= ent.aiScansPerMonth) {
     throw errors.quotaExceeded(
       `Månadens AI-skanningar är slut (${ent.aiScansPerMonth} st). Uppgradera för fler.`,
@@ -78,7 +98,7 @@ export async function consumeAiScan(db: Database, userId: string): Promise<void>
   const month = currentMonth();
   await db
     .insert(schema.aiUsageCounters)
-    .values({ userId, month, aiScans: 1 })
+    .values({ userId: billingUserId, month, aiScans: 1 })
     .onConflictDoUpdate({
       target: [schema.aiUsageCounters.userId, schema.aiUsageCounters.month],
       set: { aiScans: (await import("drizzle-orm")).sql`${schema.aiUsageCounters.aiScans} + 1` },