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Microsoft Copilot Studio enables organizations to build AI agents that go far beyond chatbots: agents that answer questions using enterprise data, execute business processes, and even operate autonomously across Microsoft 365, Dynamics 365, and the Power Platform. Yet as soon as teams move from experimentation to production, one topic consistently slows adoption down: licensing and cost predictability. Questions like “Do we need Microsoft 365 Copilot for this?”, “When do Copilot Studio credits apply?”, and “What will this agent actually cost per month?” often remain unanswered until after the first invoice arrives. This session brings clarity by shifting the conversation away from abstract SKUs and towards concrete, real world Copilot Studio agents, and their measurable credit impact. Rather than starting with licensing tables, we start with recognizable business scenarios and work backwards. For each agent, we explore what it does, who uses it, where it runs, and how that translates into Copilot Credit consumption and supporting licenses. The speaker will show practical agent examples, for example: - Product Advisor Agent - Buyer Assistant Agent - Retailer Advisor Agent - Customer Feedback Agent For each example, attendees will see: - the functional behavior of the agent - the relevant licensing context (Microsoft 365 Copilot, Copilot Chat, Copilot Studio) - the expected Copilot Credit consumption By mapping agent behavior directly to credits, generative answers, data grounding, and actions, the session demonstrates how to estimate costs using realistic order‑of‑magnitude thinking, rather than chasing perfect numbers. The talk also highlights common mistakes seen in the field, such as assuming Microsoft 365 Copilot covers all agents. The goal is not to turn attendees into licensing specialists, but to give them a clear mental model that enables better decisions during design, architecture, and rollout. Attendees will leave with the ability to confidently answer: “Given what this agent does and who uses it, this is the licensing setup and this is the realistic cost.” No SKU bingo. No surprises. Just practical clarity for building Copilot Studio agents that scale.