State of Indiana — Office of Technology
Copilot AI Credits — Model Pricing Guide
Understand how model selection impacts your organization's AI credit consumption
Understand how model selection impacts your organization's AI credit consumption
Every Copilot interaction (Chat, agent mode, coding agents) consumes tokens. Tokens are converted to AI credits based on the model used. 1 AI credit = $0.01 USD.
The cost of a single interaction depends on:
Credits are pooled at the organization/enterprise level — all seats share a combined pool.
| Plan | Credits/Seat/Month | 10-Seat Pool | 50-Seat Pool |
|---|---|---|---|
| Copilot Business ($19/seat) | 1,900 | 19,000 | 95,000 |
| Copilot Enterprise ($39/seat) | 3,900 | 39,000 | 195,000 |
Once the pool is exhausted, additional usage is billed at overage rates (1 credit = $0.01) — unless a hard budget cap is configured.
All prices below are per 1 million tokens. To convert to AI credits: multiply the dollar rate by 100 (since 1 credit = $0.01).
| Model | Category | Input | Cached | Output |
|---|---|---|---|---|
| GPT-5 mini | Lightweight | $0.25 | $0.025 | $2.00 |
| GPT-5.4 nano | Lightweight | $0.20 | $0.02 | $1.25 |
| GPT-5.4 mini | Lightweight | $0.75 | $0.075 | $4.50 |
| GPT-5.3-Codex | Powerful | $1.75 | $0.175 | $14.00 |
| GPT-5.4 | Versatile | $2.50 | $0.25 | $15.00 |
| GPT-5.5 | Powerful | $5.00 | $0.50 | $30.00 |
| GPT-5.6 Luna | Lightweight | $1.00 | $0.10 | $6.00 |
| GPT-5.6 Terra | Versatile | $2.50 | $0.25 | $15.00 |
| GPT-5.6 Sol | Powerful | $5.00 | $0.50 | $30.00 |
Anthropic models include an additional cache write cost.
| Model | Category | Input | Cached | Cache Write | Output |
|---|---|---|---|---|---|
| Claude Haiku 4.5 | Versatile | $1.00 | $0.10 | $1.25 | $5.00 |
| Claude Sonnet 4 / 4.5 / 4.6 | Versatile | $3.00 | $0.30 | $3.75 | $15.00 |
| Claude Sonnet 5 * | Versatile | $2.00 | $0.20 | $2.50 | $10.00 |
| Claude Opus 4.5–4.8 | Powerful | $5.00 | $0.50 | $6.25 | $25.00 |
| Claude Fable 5 | Powerful | $10.00 | $1.00 | $12.50 | $50.00 |
* Claude Sonnet 5 promotional pricing through August 31, 2026.
| Model | Category | Input | Cached | Output |
|---|---|---|---|---|
| Gemini 3 Flash | Lightweight | $0.50 | $0.05 | $3.00 |
| Gemini 2.5 Pro | Powerful | $1.25 | $0.125 | $10.00 |
| Gemini 3.5 Flash | Lightweight | $1.50 | $0.15 | $9.00 |
| Gemini 3.6 Flash | Versatile | $1.50 | $0.15 | $7.50 |
| Gemini 3.1 Pro | Powerful | $2.00 | $0.20 | $12.00 |
| Model | Provider | Category | Input | Cached | Output |
|---|---|---|---|---|---|
| MAI-Code-1-Flash | Microsoft | Lightweight | $0.75 | $0.075 | $4.50 |
| Kimi K2.7 Code | Moonshot AI | Versatile | $0.95 | $0.19 | $4.00 |
| Raptor mini | GitHub | Versatile | $0.25 | $0.025 | $2.00 |
A typical Chat interaction uses roughly 2,000 input tokens + 1,000 output tokens. Here's what that costs across models:
| Model | Category | Cost per Chat | Credits Used | Chats per 1,900 credits |
|---|---|---|---|---|
| GPT-5.4 nano | Lightweight | ~$0.0017 | ~0.17 | ~11,176 |
| GPT-5 mini | Lightweight | ~$0.0025 | ~0.25 | ~7,600 |
| Claude Sonnet 4.6 | Versatile | ~$0.021 | ~2.1 | ~905 |
| GPT-5.4 | Versatile | ~$0.020 | ~2.0 | ~950 |
| Claude Opus 4.6 | Powerful | ~$0.035 | ~3.5 | ~543 |
| GPT-5.5 | Powerful | ~$0.040 | ~4.0 | ~475 |
| Claude Fable 5 | Powerful | ~$0.070 | ~7.0 | ~271 |
Based on ~2K input + ~1K output tokens per interaction. Agent mode sessions use significantly more tokens (10K–100K+ per session).
A typical agent session (multi-step code generation, file edits, terminal commands) might consume 50,000 input + 10,000 output tokens: