Credit Planner
“Nobody actually knows how many ‘high usage’ requests a user makes, but everyone knows their headcount and adoption trajectory”
The Why?
The next stage of Copilot adoption, and the next step in Microsoft Investment Management is managing Copilot Credits.
Prism, a solution I originally built to manage Microsoft Investment captures a significant amount of data across M365, Azure, Copilot & Security. Copilot specifically showcases who is using aspects of Copilot, Cowork, Agents. All showing how many times, how often and by who!
So using data from the Prism platform, we can look at the median number of users using different features across all tenants. From that, I built a model that predicts actual credit usage, based on the actual deployments of actual customers.
Many Copilot Credit calculators rely on sliders and guessed figures that, let’s be honest, nobody really knows how to set. How many “high usage” requests is a user going to make in a month? It’s all guesswork nobody actually knows the answer.
What we do know is how many users we have in a tenant, and everyone can give a reasonable idea of how their Copilot adoption is progressing.
My Copilot Credit Planner uses all of this, and more. Combined with the latest Copilot Credit Usage guidelines (August 2026), it predicts the expected number of credit-consuming users, as well as the estimated number of credits required.
The model also shows the recommended P3 tier (Copilot Credit Annual Prepayment) versus the Annual PAYG cost, and how pricing shifts as you combine tiers or step up to the next one.
Have a try! Any feedback get in touch, and if you want to see your actual Credit Copilot usage feel free to drop me an email at james@jamesmm.com or my work email at james.mounsey-moran@trustmarque.com