Cowork Cost Model
GA Jun 2026Model Microsoft Copilot Cowork credit spend by department — each team gets the same usage profile (users, task mix, credits, model). Rolls up to a total with pay-as-you-go vs P3 and per-department chargeback.
Credits / month
1,432,200
PAYG / month
$14,322
Cost / user / mo
$143
Users modelled
100
Departments
100
8 tasks
21 days
Task mix
60%
30%
10%
Credits per task (editable)
Blended 85 cr/task1,432,200 cr/mo · $14,322/mo
Model
Chargeback by department (PAYG)
| Department | Users | Credits / mo | Share | Cost / mo | Annual |
|---|---|---|---|---|---|
| Retail Banking | 100 | 1,432,200 | 100.0% | $14,322 | $171,864 |
| Total | 100 | 1,432,200 | 100% | $14,322 | $171,864 |
Pay-as-you-go vs P3 pre-purchase (annual)
PAYG / yr
$171,864
P3 / yr (−15%)
$146,084
Annual savings
$25,780
Recommended: P3 pre-purchase — saves $25,780/yr at this volume. Each department is modelled on its own usage profile and rolled up; the P3 discount applies to the combined annual spend. Credits-per-task & model multipliers are editable estimates — see NOTES.md.