How many credits do we get in Copilot?

The number of credits you get in Copilot depends on which Copilot product you’re using—Microsoft 365 Copilot, Copilot Studio, GitHub Copilot, or Copilot in Windows—because each has its own credit system and allowance.

Below is a breakdown by product, based on the latest publicly available information up to mid‑2026.

1. Microsoft 365 Copilot (in Word, Excel, Outlook, etc.)

For most users with a Microsoft 365 Copilot license (e.g., in business/enterprise or via certain consumer plans):

  • You get a monthly AI credit allowance that applies to features like:
    • Summarize, draft, rewrite, analyze data in Excel, and some image generation/editing in Designer and related apps.
  • Typical documented allowance:
    • 60 AI credits per month for many Microsoft 365 plans that include Copilot features.
  • These credits:
    • Reset monthly.
    • Are not cumulative (unused credits don’t roll over).
  • You can check your remaining credits via:
    • Services & subscriptions in your Microsoft account, or via admin portals in business/enterprise setups.

If you’re on a plan that shows “60 credits per month,” that’s your baseline unless your organization has custom limits or add‑ons.

2. Copilot Studio (building agents and copilots)

Copilot Studio uses Copilot Credits as a meter for agent work (answering questions, running actions, grounding on tenant data, etc.).

Tenant‑level credit capacity

  • When you purchase a Copilot Studio license , your tenant gets a pool of Copilot Credits :
    • Commonly referenced capacity: 250,000 Copilot Credits per 24 hours as part of the tenant‑wide license, allocated across environments and resetting monthly.
  • Additional capacity can be bought:
    • Packs of 25,000 Copilot Credits at $200 per pack per month.

Per‑user budgets (admin‑controlled)

  • Administrators can set per‑user monthly budgets for Copilot‑licensed users.
  • A frequently cited default policy (as of 2026) is:
    • 200 Copilot Credits per month per user until an admin changes the budget.
  • These are not personal “free credits” in the consumer sense; they’re a usage cap drawn from the tenant’s overall credit pool.

How much does typical usage cost in credits?

Examples of credit consumption in Copilot Studio (approximate, from Microsoft docs and community analysis):

  • Classic answer: 1 credit
  • Generative answer: 2 credits
  • Agent action: 5 credits
  • Tenant graph grounding: 10 credits
  • AI tools:
    • Basic: ~1 credit per 10 responses (or ~0.1 credit per 1K tokens)
    • Standard: ~15 credits per 10 responses
    • Premium: ~100 credits per 10 responses

So if your org sets you at 200 credits/month, heavily using generative answers and agent actions can burn through that quickly.

3. GitHub Copilot (for developers)

GitHub Copilot uses GitHub AI Credits under its usage‑based billing for individuals and some plans.

  • Every Copilot plan includes a monthly allowance of AI credits.
  • Exact numbers depend on your plan tier (Free, Pro, Business, Enterprise, etc.), and GitHub adjusts these over time.
  • Key points:
    • 1 AI credit = $0.01 USD.
    • If you exhaust your included credits, you can:
      • Upgrade to a higher tier.
      • Pay for additional usage (subject to caps).
      • Wait until the next monthly cycle when your allowance resets.

To see your exact allowance, you need to check:

  • Your GitHub billing/usage page under Copilot, which shows your plan’s monthly AI credit limit and how much you’ve used.

Because GitHub changes plan details periodically, the precise “how many credits” number is plan‑specific and best confirmed directly in your GitHub account.

4. Copilot in Windows / Consumer Microsoft 365 plans

For consumer‑facing Copilot in Windows and some Microsoft 365 subscriptions:

  • Microsoft publishes AI credits and limits by plan.
  • Example pattern (from Microsoft support pages):
    • Certain plans show something like 60 AI credits per month for core Copilot features (summarize, draft, rewrite, basic image generation, etc.).
  • Voice and Vision features may have time‑based daily limits (e.g., minutes per day) rather than being strictly credit‑based.

Your exact numbers depend on:

  • Your subscription type (e.g., Microsoft 365 Personal, Family, or specific regional plans).
  • Any regional or promotional variations.

You can view your current limits and credits under Services & subscriptions in your Microsoft account.

Quick reference table

Copilot product| Typical credit/allowance structure| How to check your exact number
---|---|---
Microsoft 365 Copilot (Word, Excel, etc.)| Often 60 AI credits/month for many plans; reset monthly, non‑cumulative. 7| Microsoft account → Services & subscriptions; or admin center for business. 7
Copilot Studio (agents)| Tenant gets large pool (e.g., 250k credits/24h); admins often set ~200 credits/month per user by default. 38| Power Platform admin center; Copilot Studio usage/credit reports. 19
GitHub Copilot| Plan‑specific monthly AI credit allowance ; 1 credit = $0.01; overage via upgrade or extra spend. 10| GitHub → Settings → Billing & plans → Copilot usage. 10
Copilot in Windows / consumer M365| Often aligned with consumer plan limits (e.g., ~60 AI credits/month for some features) plus daily time limits for voice/vision. 7| Microsoft account → Services & subscriptions. 7

If you tell me which Copilot you mean

If you clarify:

  • “Copilot in Microsoft 365 (Word/Excel/Outlook)?”
  • “Copilot Studio for building agents?”
  • “GitHub Copilot for coding?”
  • “Copilot in Windows / consumer app?”

I can narrow this down to the most likely exact credit number for your situation and how to find it in your account. TL;DR:

  • Many Microsoft 365 Copilot plans: around 60 AI credits/month.
  • Copilot Studio: tenant‑wide pool (e.g., 250k credits/24h) with typical ~200 credits/month per user default caps.
  • GitHub Copilot: plan‑specific monthly AI credit allowance , visible in your GitHub billing.

Information gathered from public forums or data available on the internet and portrayed here.