# Credits and cost

Educational only. Confirm rates with Microsoft.

- **Everyday AI** — user subscription licence (USL): Chat and Copilot in the Office and Teams apps; Auto model routing.
- **Agentic AI** — Copilot Credits / usage-based billing: Cowork, Code, Autopilot, frontier models.
- Usage-based features stay **off** until an admin sets a spending policy.
- FinOps controls live in Microsoft 365 admin / Agent 365 cost management.

Source: [Microsoft Blog, 25 September 2026](https://blogs.microsoft.com/blog/2026/09/25/introducing-the-new-copilot-with-home-code-and-autopilot/).

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