Free tool · Microsoft 365 Copilot

What will your Copilot agents cost?

Estimate your monthly spend on Copilot licences, Agent 365 and Copilot Credits. Eligible agent use by licensed staff has no additional credit charge, within fair-use limits. Unlicensed staff, external users and unattended runs consume credits. Replace the example teams and agents with your own usage.

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Copilot agent cost estimate

Your tenant

We have staff on . of them have and have Agent 365. We buy Copilot Credits , with a pay-as-you-go billing policy .

    Staff groups

    Add teams with different levels of agent use. Staff outside these teams appear under Everyone else. Changing the total Copilot licence count reallocates licences to the teams with the highest estimated credits per person first.

    TeamPeopleWith CopilotRemove

    Credit usage

    Monthly credits by agent

    Select an agent to edit its monthly usage and the features each conversation or run uses.

    Struck-through credits represent usage covered by Copilot licences under this estimate's eligibility and fair-use assumptions. Dollar amounts show each agent's proportional share of the total credit cost, excluding licences.

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    Licences or credits

    Compare Copilot licence counts

    Drag the yellow "You" marker, or focus it and use the arrow keys.

      The comparison assigns licences to the teams with the highest estimated credits per person first. The estimate does not value Copilot features in Word, Excel, Outlook or Teams.

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      Prepaid credits

      Will the credits last the month?

      This forecast uses a 30-day month starting on a Monday.

      Staff usage is spread evenly across weekdays. External conversations and unattended runs are spread evenly across all 30 days.

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      Cost scenarios

      Changes to test

      These changes update the estimate only, not your Microsoft licences or billing settings.

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      Copy the estimate link before you test a change if you want to keep the current inputs.

      How this is calculated

      Credits for one conversation or run

      credits = 1 × classic answers + 2 × generative answers + 10 × tenant graph grounding
        + 5 × agent actions + 0.13 × agent flow actions
        + 10 × (billed reasoning tokens ÷ 1,000)

      When credit charges apply

      • Staff with a Copilot licence have no additional credit charge for eligible agent use in Copilot Chat, Teams or SharePoint, within Microsoft's unpublished fair-use limits. Agent flows qualify only when started by the "When an agent calls the flow" trigger.
      • Staff without a Copilot licence and external users incur credit charges for each conversation, based on the features used. Staff without a Copilot licence also need a pay-as-you-go billing policy to access the agent.
      • Unattended runs started by an event, schedule or flow incur credit charges, including the flow actions they call. Staff licences do not cover these runs.

      What the credits cost

      A prepaid pack costs US$200 a month for 25,000 credits with an annual commitment. Unused credits expire each month. Pay-as-you-go costs US$0.01 per credit.

      With pay-as-you-go attached, the automatic option chooses the lowest-cost mix of packs and pay-as-you-go for the entered usage. It adds a pack for each full 25,000 credits, then another if the remainder exceeds 20,000 credits. Any usage not covered by packs is charged on pay-as-you-go. Without pay-as-you-go, the automatic option chooses enough packs to cover all estimated usage.

      Without a pay-as-you-go billing policy, agent flows stop at 100% of prepaid capacity and all agents stop at 125%. Microsoft describes the usage between those thresholds as allowed overage but does not specify how it is billed. This estimate excludes any charge for that overage; it should not be treated as free usage.

      Licences

      The total excludes base Microsoft 365 licences. For E7, the estimate counts US$39 per licence, the difference between E7 at US$99 and E5 at US$60. E7 includes Agent 365 for its licensed users. If you are moving from a different base plan, this comparison does not include the cost difference between that plan and E5.

      This estimate assumes Copilot Business includes the same eligible agent usage as Microsoft 365 Copilot. Microsoft's pricing page does not confirm this entitlement.

      Rates used

      What the calculator leaves out

      • Agents on the Microsoft Copilot harness and Contact Center Intelligence agents. They bill credits for tokens, tools and the harness from the first build session, and Microsoft publishes only ranges.
      • Copilot Cowork, which bills credits on top of the seat by model use, retrieval, tool calls and runtime.
      • Computer-Using Agents, voice channels (10, 35 or 75 credits a minute), and AI Builder prompt and document tools.
      • Models from Azure AI Foundry, billed on a separate Azure meter.
      • Copilot Credit Commit Units (up to 20% off with a yearly commitment), tax and partner discounts.

      This is a planning estimate using Microsoft's US-dollar list prices, not a quote. Tax, partner discounts and the costs listed under "What the calculator leaves out" are excluded. For a more detailed estimate of one agent's usage, use Microsoft's Copilot Studio agent usage estimator. Rates checked .

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