Copilot Cowork cost calculator
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.
Start from an industry
Pick the closest, then adjust.
Each option fills an illustrative split of Cowork users across the four types for a mid-sized Australian business in that field. They are starting points, not a survey of your firm. Change any headcount below and the preset becomes a custom mix.
Your people, by type
Set how many of each, and how they work.
Each user type runs a different number of light, medium and heavy tasks a month. The industry preset filled these headcounts; change any of them, or the task counts, to fit your business. The monthly credit spend per user updates as you go.
Credits per prompt, and the exchange rate
Copilot Credits used per prompt
Microsoft prices one Copilot Credit at US$0.01. A task's size depends on the model, the context it pulls in, the tools it calls and how long it runs. These per-prompt figures are planning estimates, not a published Microsoft price list, so tune them to your own usage.
An assumption, not a live market rate. Set it to whatever your finance team uses for budgeting. This tool estimates Cowork usage only, so there is no licence figure to set.
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. Licences are separate, and not counted here.
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 US$0.01 per Copilot Credit, which is Microsoft's published rate, and an exchange rate of 1 AUD = US$0.70 that you set yourself. The credits-per-prompt and per-type task counts are planning estimates, not Microsoft's per-task prices. This is a planning estimate built from the numbers you entered. It is one scenario, not a quote and not a forecast.
How the estimate is built
Microsoft meters Cowork in Copilot Credits at US$0.01 each. The price of a task depends on the model it runs, the context it pulls in, the tools it calls and how long it runs, which sorts into light, medium and heavy prompts. The calculator groups your people into four user types, each running a different number of those prompts a month. It works out the monthly credit spend per user, scales by how many people you have in each type, and converts to Australian dollars at the rate you set. It estimates Cowork usage only. The Microsoft 365 Copilot licence each user also needs is billed separately and varies by reseller and agreement, so it is left out rather than guessed.
The one cent per credit is Microsoft's published rate. The credits-per-prompt figures and the per-type task counts are planning estimates, not a Microsoft price list, so each user-type card and the assumptions panel let you change them. Tune the numbers to your own usage and the estimate tracks.
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.