Microsoft split Copilot pricing into two tiers. Everyday AI stays on a fixed per-user subscription. Advanced AI uses Copilot Credits for usage-based billing. The USL covers most tasks at a flat rate. Credits apply to long-running agents and frontier models. Admins must set a spending policy before credits are billed. New FinOps tools let admins manage budgets and model access. Usage limits warn heavy users before they hit a cap. Some advanced features may move from credits to the USL later. The USL includes models like GPT-5.6, Sonnet 5 and Opus 5 with limits. Auto mode picks the best model for the task at no extra cost.
What changed
Copilot used a single per-user subscription for all AI work.
What it unlocks
Running advanced AI tasks like long-running agents or frontier models without rationing everyday access.
- Copilot USL remains fixed per user per month
- Copilot Credits introduce usage-based billing
What you need to act on it
- a Microsoft Copilot user subscription license
- admin-created spending policy for usage-based billing
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