Every plan now includes a monthly AI Credits allotment — Pro at $10/month gets a baseline, Pro+ at $39/month ships with $39 in credits included, Business is $19/user/month, Enterprise $39/user/month. Code completions and Next Edit suggestions stay free. What eats credits: agentic sessions, advanced models, multi-step autonomous tasks. Admins gain new budget controls at the enterprise, cost-center, and individual user levels. The detail worth internalizing: if you set a budget cap of $0 and exhaust your allotment, Copilot stops — it no longer silently falls back to a cheaper model. That's a behavior change heavy users will hit without warning. Check budget settings before the billing cycle turns.