Out of AI credits

Copilot usage in Microsoft 365 is governed by AI credits and feature limits. When the monthly AI credit allocation is used up, Copilot requests are blocked until the credits automatically reset at the start of the next monthly cycle.

Key points:

1. What AI credits are
   • AI credits measure use of AI features in Microsoft 365 and Windows apps (for example, asking Copilot to summarize text, generate content, or edit images).
   • Each AI action consumes credits; once the monthly allotment is exhausted, Copilot shows the “out of AI credits” message and stops responding until the next month.
2. Why this happens
   • AI credits and feature limits exist to ensure a good experience for all users and to manage capacity.
   • Limits and credit amounts vary by subscription plan and by feature.
3. What can be done now
   • There is no in-product way to “top up” or manually reset AI credits mid‑month.
   • Credits automatically refill at the start of the next month; overages do not roll over or affect the next month.
   • To understand current usage and limits, sign in to the Microsoft account used for the subscription and check Services & subscriptions, where AI credits and limits status can be viewed.
4. Planning for future use
   • Be aware that each Copilot action (for example, generating a document draft, summarizing content, or editing images) consumes credits.
   • If usage regularly hits the limit early in the month, consider adjusting how often AI features are used or reviewing whether a different subscription offering better matches the needed usage pattern (where available in the region and plan catalog).

References:

• AI credits and limits for Microsoft 365 Personal, Family, and Premium
• Frequently asked questions about Copilot in Microsoft 365 subscriptions