GitHub Copilot dropped the flat-rate model on June 1. Now it uses AI Credits and a lot of developers are getting surprised bills.
Here's the 2-minute version:
✅ Tab completions → still free, unlimited
❌ Chat, agent mode, code review → costs credits now
How fast do credits run out?
| Plan | Credits/month | Cost |
|---|---|---|
| Pro | 1,500 | $10 |
| Pro+ | 7,000 | $39 |
One agentic session on Claude Opus or GPT-5.5 = up to 200 credits.
That's your whole week gone in a single session.
What should you do?
- Switch to GPT-5 mini for quick questions (saves 70–80%)
- Set a spending cap in GitHub billing settings
- Batch your questions — fewer sessions = fewer credits
Full breakdown by workflow + free cost calculator 👇
🔗 https://devencyclopedia.com/blog/github-copilot-token-billing-2026
🧮 https://devencyclopedia.com/tools/copilot-credit-calculator
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