Which plan gives you the best credit-per-dollar rate — Copilot AI Credits 101

Which plan gives you the best credit-per-dollar rate — GitHub Copilot

Pro, Pro+ and Max all include more AI Credits than their sticker price in raw dollars — but not by the same multiple. Higher tiers actually buy a better rate, not just a bigger number.

In this lesson you will

Name the credit allowance for each paid plan
Calculate the effective credit-per-dollar multiplier for each tier
Use the fill-in exercise to see whether upgrading pays for itself

GitHub Copilot's individual plans, confirmed directly from GitHub's own plans page.
Plan	Price	Monthly AI Credits	Effective multiplier
Free	$0/month	No credit allowance (separate completion/chat limits apply)	—
Pro	$10/month	$15 in credits	1.5x face value
Pro+	$39/month	$70 in credits	≈1.79x face value
Max	$100/month	$200 in credits	2x face value

Your turn

Work out whether upgrading actually pays off

Your current planIts credit allowanceWhat you typically useThe plan you're consideringIts credit allowanceWorth it, or not, and why

On [CURRENT_PLAN] I get $[CURRENT_CREDITS] in credits and typically use about $[TYPICAL_USE] worth a month. Upgrading to [NEXT_PLAN] would give me $[NEXT_CREDITS] — [WORTH_IT].

Hint: If you regularly run out of credits before the month ends, the jump usually pays for itself. If you rarely get close to your current allowance, a higher multiplier on unused headroom doesn't save you anything.

Knowledge check

You're on Pro ($10/month, $15 credits) and consistently use only about $8 of credits a month. Does upgrading to Pro+ ($39/month, $70 credits) save you money?

Lesson FAQ

How many AI Credits does GitHub Copilot Pro include?

$15 worth of AI Credits per month for $10/month — a 1.5x multiplier over the sticker price, confirmed on GitHub's own plans page.

Is GitHub Copilot Max worth it over Pro?

On raw credit math, Max's $200 credits for $100/month (a 2x multiplier) beats Pro's 1.5x — but that only pays off if you're actually exhausting Pro's $15 allowance regularly. If you rarely hit that ceiling, the extra $90/month buys credit headroom you won't use.

Lesson FAQ

Stop overpaying for AI tools