Last updated: October 2026
Introduction to AI credits and limits
Microsoft 365 Personal, Microsoft 365 Family, Microsoft 365 Premium, and Microsoft 365 Pro plans include AI features to power your productivity and creativity. Some of these features have limits to the number of times they can be used within a specific time period while others require the use of AI credits. Limit and AI credit allotments depend on your Microsoft 365 plan. If you already have a Microsoft 365 Personal, Family, or Premium plan, you can switch to Microsoft 365 Pro to access the highest usage limits available.
Limits may vary based on the feature, entry point, and system conditions. Limits may also change over time as new AI models become available.
Important
AI benefits are only available to the subscription owner and cannot be shared with others.
Limits for each plan
| Copilot feature | Microsoft 365 Personal | Microsoft 365 Family | Microsoft 365 Premium | Microsoft 365 Pro |
|---|---|---|---|---|
| Chat | Extensive usage | Extensive usage | Extensive usage | Extensive usage |
| Deep reasoning | Extensive usage | Extensive usage | Extensive usage | Extensive usage |
| Pages | Extensive usage | Extensive usage | Extensive usage | Extensive usage |
| Audio Overview | Standard usage | Standard usage | Extensive usage | Extensive usage |
| Voice | Standard usage | Standard usage | More usage | Highest usage |
| Vision | Standard usage | Standard usage | More usage | Highest usage |
| Image gen | Standard usage | Standard usage | Extensive usage | Extensive usage |
| Researcher | Not available | Not available | Extensive usage | Extensive usage |
| Analyst | Not available | Not available | Extensive usage | Extensive usage |
| Cowork (in preview)* | Not available | Not available | Extensive usage | Extensive usage |
| Priority access | Yes | Yes | Yes | Yes |
*Currently only available in the US and Canada. Availability varies by platform and device.
Learn more about each plan
Important
AI benefits are only available to the subscription owner and cannot be shared with others.
What are feature limits?
Feature limits are usage caps that help us ensure a good experience for all users. These limits apply specifically to AI features, such as Vision, and vary by subscription plan and feature, meaning the limits for Researcher may be different from the limits for Vision.
These limits may vary based on the feature, entry point, and system conditions. Limits may also change over time as new AI models become available.
What are AI credits?
Microsoft 365 subscriptions include AI usage for AI-powered experiences across Microsoft 365 and Windows apps. Depending on the feature, usage may be measured with AI credits or other usage limits.
As you use AI features in apps like Copilot, Designer, Photos, Paint, Notepad, Word, and Excel, applicable usage is tracked automatically. You can view your AI credit usage in your Microsoft account, and you'll receive in-product notifications if you're approaching or have reached a usage limit.
What's the difference between feature limits and AI credits?
Both allow you to access advanced AI features. Feature limits are simply the total number of times you can use a specific feature within a specific timeframe, while AI credits are monthly usage allotments you can use as you go in Microsoft 365 and Windows applications.
How do I manage my feature limits and AI credits?
You can check the status of your limits and AI credits by selecting Services & subscriptions in your Microsoft account. You will be notified when you reach your feature limits for AI features.
Related topics
Frequently asked questions about Copilot and Microsoft 365 subscriptions
Copilot in Microsoft 365 apps for home: your data and privacy