Microsoft 365
FinOps for Microsoft 365 Copilot and Agents: Seats, Copilot Credits and Chargeback
Microsoft 365 Copilot and its agents are paid for in three different ways, and each one bills to a different place: per-user seats on the Microsoft 365 invoice, prepaid Copilot Credits allocated to Power Platform environments, and pay-as-you-go charges on an Azure subscription. This guide explains the three cost shapes, the controls Microsoft provides for each, and a chargeback model built on them, checked against Microsoft's documentation in September 2026.
10 min read