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 that uses a model (Chat, agent mode, Copilot CLI, cloud and third-party coding agents, code review, Spaces, Spark) 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:
Each seat's included credits go into a shared pool. In the State enterprise, IOT caps each agency's draw on that pool at the credits its own seats contribute.
| 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 $0.01 per credit, unless IOT has set a $0 budget with "Stop usage" for the agency. Unused credits don't carry over, and the pool resets at 00:00 UTC on the 1st of each month.
All prices below are per 1 million tokens. To convert to AI credits: multiply the dollar rate by 100 (since 1 credit = $0.01).
GPT-5.6 and GPT-6 models include a cache write cost. Earlier OpenAI models do not.
| Model | Category | Input | Cached | Cache Write | Output |
|---|---|---|---|---|---|
| GPT-5 mini | Lightweight | $0.25 | $0.025 | — | $2.00 |
| GPT-5.3-Codex | Powerful | $1.75 | $0.175 | — | $14.00 |
| GPT-5.4 | Versatile | $2.50 | $0.25 | — | $15.00 |
| GPT-5.4 long context, > 272K | Versatile | $5.00 | $0.50 | — | $22.50 |
| GPT-5.4 mini | Lightweight | $0.75 | $0.075 | — | $4.50 |
| GPT-5.4 nano | Lightweight | $0.20 | $0.02 | — | $1.25 |
| GPT-5.5 | Powerful | $5.00 | $0.50 | — | $30.00 |
| GPT-5.5 long context, > 272K | Powerful | $10.00 | $1.00 | — | $45.00 |
| GPT-5.6 Luna | Lightweight | $0.20 | $0.02 | $0.25 | $1.20 |
| GPT-5.6 Luna long context, > 200K | Lightweight | $0.40 | $0.04 | $0.50 | $1.80 |
| GPT-5.6 Terra | Versatile | $2.00 | $0.20 | $2.50 | $12.00 |
| GPT-5.6 Terra long context, > 272K | Versatile | $4.00 | $0.40 | $5.00 | $18.00 |
| GPT-5.6 Sol | Powerful | $4.00 | $0.40 | $5.00 | $20.00 |
| GPT-5.6 Sol long context, > 272K | Powerful | $8.00 | $0.80 | $10.00 | $30.00 |
| GPT-6 Luna | Lightweight | $0.10 | $0.01 | $0.125 | $0.50 |
| GPT-6 Luna long context, > 272K | Lightweight | $0.20 | $0.02 | $0.25 | $0.75 |
| GPT-6 Sol | Powerful | $2.00 | $0.20 | $2.50 | $10.00 |
| GPT-6 Sol long context, > 272K | Powerful | $4.00 | $0.40 | $5.00 | $15.00 |
| GPT-6.1 Sol | Powerful | $2.00 | $0.10 | $2.50 | $10.00 |
| GPT-6.1 Sol long context, > 272K | Powerful | $4.00 | $0.20 | $5.00 | $15.00 |
| GPT-6 Astra | Powerful | $10.00 | $1.00 | $12.50 | $50.00 |
| GPT-6 Astra long context, > 272K | Powerful | $20.00 | $2.00 | $25.00 | $75.00 |
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 Haiku 5.5 | Lightweight | $0.10 | $0.01 | $0.125 | $0.50 |
| Claude Haiku 5.5 long context, > 100K | Lightweight | $0.50 | $0.05 | $0.625 | $2.50 |
| Claude Sonnet 4 / 4.6 | Versatile | $3.00 | $0.30 | $3.75 | $15.00 |
| Claude Sonnet 5 | Versatile | $2.00 | $0.20 | $2.50 | $10.00 |
| Claude Sonnet 5.5 | Versatile | $2.00 | $0.10 | $2.50 | $10.00 |
| Claude Opus 4.8 / 5 | Powerful | $5.00 | $0.50 | $6.25 | $25.00 |
| Claude Opus 5.5 | Powerful | $4.00 | $0.20 | $5.00 | $20.00 |
| Claude Opus 4.8 fast mode (preview) | Powerful | $10.00 | $1.00 | $12.50 | $50.00 |
| Claude Fable 5 | Powerful | $10.00 | $1.00 | $12.50 | $50.00 |
| Claude Fable 5.1 | Powerful | $10.00 | $0.25 | $12.50 | $50.00 |
| Model | Category | Input | Cached | Output |
|---|---|---|---|---|
| Gemini 3.7 Flash * | Versatile | $0.75 | $0.075 | $3.75 |
| Gemini 3.8 Flash * | Versatile | $0.75 | $0.075 | $3.75 |
* Gemini 3.7 Flash and Gemini 3.8 Flash promotional pricing through December 31, 2026.
| Model | Provider | Category | Input | Cached | Output |
|---|---|---|---|---|---|
| MAI-Code-1.1-Flash | Microsoft | Lightweight | $0.20 | $0.02 | $1.20 |
| Grok 4.5 / 4.6 / 4.7 | xAI | Versatile | $2.00 | $0.50 | $6.00 |
| Grok 4.5 / 4.6 / 4.7 long context, > 200K | xAI | Versatile | $4.00 | $1.00 | $12.00 |
| Kimi K3 | Moonshot AI | Powerful | $3.00 | $0.30 | $15.00 |
Rows marked long context apply when a request's input passes the threshold shown. Copilot code review picks its model automatically and does not disclose it, so its per-token cost can vary.
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-6 Luna | Lightweight | ~$0.0007 | ~0.07 | ~27,143 |
| GPT-5.4 nano | Lightweight | ~$0.0017 | ~0.165 | ~11,515 |
| GPT-5 mini | Lightweight | ~$0.0025 | ~0.25 | ~7,600 |
| Claude Sonnet 5 | Versatile | ~$0.014 | ~1.4 | ~1,357 |
| GPT-5.4 | Versatile | ~$0.020 | ~2.0 | ~950 |
| Claude Sonnet 4.6 | Versatile | ~$0.021 | ~2.1 | ~905 |
| Claude Opus 4.8 / 5 | 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: