Limits to CoPilot credits

Matthew Syphus 25 Reputation points
2026-05-24T14:55:12.7933333+00:00

How do I ensure more credits to continue using CoPilot with my 365 Package

Microsoft 365 and Office | Subscription, account, billing | For home | Windows

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John Jefferson Doyon 89,190 Reputation points Independent Advisor
2026-05-24T18:20:12.2333333+00:00

Hi, I'm John! I will help you with this.

Microsoft 365 plans with Copilot have AI credit limits. Once the credits are used up, some Copilot features may slow down or stop until the credits refresh.

You can check the current limits here: "AI credits and limits for Microsoft 365 subscriptions" https://support.microsoft.com/en-us/microsoft-365-copilot/ai-credits-and-limits-for-microsoft-365-subscriptions

To get more usage, your options are usually:

  • Wait for the monthly credits to refresh
  • Reduce heavy AI tasks like image generation
  • Upgrade to a higher Microsoft 365 plan with larger AI limits

May I ask which Microsoft 365 subscription you currently have? Personal, Family, or Premium? Also, what Copilot feature are you mainly using when you hit the limit?

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  2. AI answer

    2026-05-24T14:55:24.5833333+00:00

    AI credits for Microsoft 365 Personal, Family, and Premium are fixed monthly allotments tied to the subscription plan. Each Copilot action (for example, “summarize my inbox,” summarizing a document in OneDrive, creating an image in Designer, or using Copilot in Word/Excel) consumes credits automatically.

    To continue using Copilot when approaching limits, the supported options are:

    1. Monitor remaining AI credits and feature limits
      • Go to Services & subscriptions in the Microsoft account used for the Microsoft 365 subscription.
      • Review the current AI credits and any feature limits associated with the plan.
    2. Upgrade to Microsoft 365 Premium (home plans)
      • If currently on Microsoft 365 Personal or Family, switching to Microsoft 365 Premium provides the most extensive AI limits available for home subscriptions.
      • The upgrade changes the monthly AI credit allotment and feature limits according to the Premium plan.
    3. Optimize usage within limits
      • Each AI action uses at least one credit. Larger or more complex tasks (for example, repeated multi-file summarization in OneDrive) will consume more credits over time.
      • Use Copilot selectively for higher‑value tasks to stretch the monthly allotment.

    There is no separate “top‑up” mechanism for AI credits on home Microsoft 365 plans beyond changing the subscription tier; credits reset each month according to the active plan.

    References:

    AI-generated content may be incorrect. Read our transparency notes for more information.

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