Work out what Copilot Cowork could cost before the first bill.
Microsoft 365 Copilot gets you in the door. Copilot Cowork then bills again, per task, in Copilot Credits. This calculator turns a usage scenario into an Australian-dollar monthly figure you can take to a budget conversation. No email required, and nothing leaves your browser.
Starting point
Pick the industry closest to yours
Each option fills an estimated split of Cowork users across the four types, for a mid-sized Australian business in that field. Treat the numbers as a starting point. Change any headcount below and the preset becomes a custom mix.
Your team
How many people will use Cowork
Set the headcount for each type. Count only the people who will get Cowork, not everyone on the payroll. The monthly credit spend per user updates as you go.
Tweak task profile
Tasks per user per month at each tier.
Tweak task profile
Tasks per user per month at each tier.
Tweak task profile
Tasks per user per month at each tier.
Tweak task profile
Tasks per user per month at each tier.
Credits per prompt, and the exchange rate
Copilot Credits used per prompt
Microsoft prices one Copilot Credit at US$0.01. How many credits a prompt uses depends on the model, the context and how much work it does. The figures below are our planning estimates. Tune them to your own usage.
Use whatever rate your finance team budgets at. Nothing here tracks the live market.
One scenario, not a forecast
For 10 people across the user types, this estimates 154,700 Copilot Credits a month, about A$2,210 (US$1,547). That averages A$221 per user per month.
Estimated Copilot Credits
154,700 / mo
Average per user
A$221 / mo
15,470 credits each
Where the spend sits
Licences are not included
Every Cowork user also needs a Microsoft 365 Copilot licence. That comes through different resellers and agreements at different prices, so we leave it out rather than guess. Budget it separately.
Figures use Microsoft's published rate of US$0.01 per Copilot Credit, and the exchange rate you set of 1 AUD = US$0.70. The credits-per-prompt and per-type task counts are our estimates, not Microsoft per-task prices. The whole figure is built from the numbers you entered, so it is one scenario and not a quote.
How it works
How the calculator works out your Cowork bill
Microsoft meters Cowork in Copilot Credits at US$0.01 each. How many credits a prompt uses depends on the model, the context it pulls in, the tools it calls and how long it runs. That sorts into light, medium and heavy prompts. We group your people into four user types, each running a different number of prompts a month. The calculator works out the monthly credit spend per user, then multiplies by your headcount in each type. The total converts to Australian dollars at the rate you set.
Fixed vs editable
Which numbers are fixed, and which you set
One cent per credit is Microsoft's published rate, and it is the only hard number here. The credits-per-prompt figures and the task counts for each user type are our planning estimates. Change them on any user-type card or in the assumptions panel and the estimate follows.
Licences sit outside the model. Each Cowork user needs a Microsoft 365 Copilot licence on top. Prices vary by reseller and agreement, so we leave it out rather than guess.
The qualifier
Let's see if we're a fit.
Seven questions, one moment of your time. We'd rather tell you now than three months in.