Copilot License Issues

How Microsoft 365 Copilot AI Credits Are Charged

Maira Mehtab Sep 22, 2026 869 views

Question details

Users want to understand the consumption rules for Microsoft 365 Copilot AI credits, specifically whether failed prompts or basic questions use up their credit allowance.

Product: Microsoft 365 Copilot
Device & OS: not provided
Scenario: Tracking AI credit usage and determining how different types of prompts affect the monthly Copilot AI credit allowance.
Observed behavior: Users are uncertain about the billing and consumption mechanics for Copilot prompts and are looking for ways to opt out if they do not need AI functionality.

Before you start

Before checking your credit usage, ensure you are logged into the Microsoft account associated with your active Microsoft 365 subscription.

Solution 1Recommended

Review AI Credit Documentation and Usage Details

Check Microsoft's official documentation and your account dashboard to see exactly how your plan consumes AI credits.

Credit usage heavily depends on your specific Microsoft 365 plan and the Copilot feature you are using. Advanced AI actions typically consume credits, while basic queries might not, subject to Microsoft's evolving policies.

Read the official documentation

Navigate to the official Microsoft support page titled 'Understanding AI credits' to read the latest consumption rules and guidelines.

Log in to your account

Go to the Microsoft account portal and sign in with the credentials linked to your Microsoft 365 subscription.

Check subscription details

Open the subscription management page and look for the action or usage details section to monitor your remaining AI credits.

Solution 2

Switch to a Non-Copilot Microsoft 365 Plan

If you do not want to use Copilot or worry about AI credit consumption, you can switch to a classic plan.

Free Microsoft Office alternative

Use WPS Office for a Cost-Effective, Transparent AI Experience

If you are tired of complex subscription tiers and confusing AI credit limits in Microsoft 365, consider switching to WPS Office. It provides a lightweight, highly compatible alternative with its own built-in WPS AI features, allowing you to create and edit documents seamlessly.

1. Download WPS Office: Visit the official WPS Office website to download and install the free software on your device.
2. Open your files: Open your existing Microsoft 365 documents (.docx, .xlsx, .pptx) directly in WPS Office with zero formatting loss.
3. Explore WPS AI: Click on the WPS AI tab in the top ribbon to explore straightforward, transparent AI writing and analysis tools.

Fully compatible with Microsoft Office formats including Word, Excel, and PowerPoint.Free and lightweight alternative to Microsoft 365 subscriptions.Transparent and easy-to-understand WPS AI capabilities for content generation without confusing credit charges.Familiar user interface ensuring a seamless migration from Microsoft Office.

microsoft office alternative - wps office

Frequently Asked Questions

Do unsuccessful Copilot prompts consume my AI credits?

According to Microsoft's AI credit policies, consumption typically depends on whether the AI engine processes the request. Detailed specifics on failed prompts can be found by reviewing Microsoft's 'Understanding AI credits' support documentation.

How do I check my remaining Microsoft 365 AI credits?

You can monitor your AI credit usage by logging into your Microsoft account dashboard, navigating to 'Services & subscriptions', and checking the usage details within your subscription management page.

Can I opt out of Copilot AI in Microsoft 365?

Yes, existing subscribers can avoid Copilot features by switching to eligible non-Copilot plans, such as Microsoft 365 Basic, Personal Classic, or Family Classic, through their account's recurring billing settings.

Microsoft Copilot Issues