# Licensing Matrix - Microsoft AI Capabilities

**Last updated:** 2026-01 (research via microsoft-learn MCP)
**Disclaimer:** Licensing changes frequently. Verify at microsoft.com/licensing

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## Innledning

Denne referansen gir en komplett oversikt over hvordan Microsoft-lisenser gir tilgang til ulike AI-funksjoner. Dette er kritisk for arkitekturvalg — feil antakelser om lisenskrav kan føre til budsjettsprekk eller tekniske begrensninger.

**Viktig:** Microsoft går over til Copilot Credits som felles valuta for mange AI-tjenester. AI Builder credits fases ut gradvis (seeded credits fjernes 1. november 2026).

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## 1. Master Licensing Matrix

### M365 Copilot & AI Features

| License | M365 Copilot | Copilot Chat (web) | Copilot Chat (work) | AI Builder Credits | Power Platform AI | Azure AI | Copilot Studio |
|---------|--------------|--------------------|--------------------|-------------------|-------------------|----------|----------------|
| **Microsoft 365 E3** | 💰 Add-on required | ✅ Included | 💰 Requires M365 Copilot | 500/user* | Standard connectors | ❌ Separate Azure sub | ❌ Requires Copilot Studio license |
| **Microsoft 365 E5** | 💰 Add-on required | ✅ Included | 💰 Requires M365 Copilot | 500/user* | Standard connectors | ❌ Separate Azure sub | ❌ Requires Copilot Studio license |
| **Microsoft 365 Business Basic** | 💰 Add-on required | ✅ Included | 💰 Requires M365 Copilot | ❌ Not included | Standard connectors | ❌ Separate Azure sub | ❌ Requires Copilot Studio license |
| **Microsoft 365 Business Standard** | 💰 Add-on required | ✅ Included | 💰 Requires M365 Copilot | ❌ Not included | Standard connectors | ❌ Separate Azure sub | ❌ Requires Copilot Studio license |
| **Microsoft 365 Business Premium** | 💰 Add-on required | ✅ Included | 💰 Requires M365 Copilot | ❌ Not included | Standard connectors | ❌ Separate Azure sub | ❌ Requires Copilot Studio license |
| **Office 365 E3/E5** | 💰 Add-on required | ✅ Included | 💰 Requires M365 Copilot | ❌ Not included | ❌ Requires Power Platform | ❌ Separate Azure sub | ❌ Requires Copilot Studio license |
| **Microsoft 365 F1/F3** | 💰 Add-on required | ✅ Included | 💰 Requires M365 Copilot | ❌ Not included | Limited | ❌ Separate Azure sub | ❌ Requires Copilot Studio license |

*\*AI Builder seeded credits fjernes 1. november 2026*

### Power Platform Licenses

| License | AI Builder Credits (monthly) | Copilot Studio Access | Premium Connectors | RPA Capabilities |
|---------|------------------------------|----------------------|-------------------|------------------|
| **Power Apps Premium** | 500/user* | ❌ Separate license | ✅ Included | ❌ Separate license |
| **Power Apps Per App** | 250/user* | ❌ Separate license | ❌ Standard only | ❌ Separate license |
| **Power Automate Premium** | 5,000/user* | ❌ Separate license | ✅ Included | ✅ Attended RPA |
| **Power Automate Process** | 5,000/license* | ❌ Separate license | ✅ Included | ✅ Unattended RPA |
| **AI Builder Add-on** | 1,000,000/add-on | ❌ Separate license | N/A | N/A |
| **Copilot Studio Standalone** | N/A (uses Copilot Credits) | ✅ Full access | ✅ Premium included | N/A |

*\*Seeded credits fjernes 1. november 2026. Max 1,000,000 credits per tenant for per-user licenses.*

### Azure AI Services

| License Type | Cost Model | Capabilities | Prerequisites |
|--------------|-----------|--------------|---------------|
| **Azure Free Tier** | Free (limited) | 1 free search service, limited AI services calls | Azure subscription |
| **Azure Pay-as-you-go** | Consumption-based | Full Azure AI portfolio | Azure subscription, payment method |
| **Azure Enterprise Agreement** | Committed spend | Full Azure AI portfolio + volume discounts | EA contract |
| **Azure AI Foundry** | Consumption-based | Model catalog, prompt flow, evaluation | Azure subscription |
| **Azure OpenAI Service** | Token-based pricing | GPT-4, GPT-3.5, Embeddings, DALL-E | Azure subscription, application approval |

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## 2. License Profiles - Hva Får Du Med Hver Lisens?

### Microsoft 365 E3

**Pris:** ~€36/user/month (EA pricing, Norway)

**AI-funksjoner inkludert:**
- ✅ Copilot Chat (web-based, public data only)
- ✅ Basic Microsoft Graph access
- ✅ SharePoint Advanced Management (when using M365 Copilot)
- ✅ 500 AI Builder credits/user/month (til nov 2026)
- ✅ Basic sensitivity labels
- ✅ Basic DLP (SharePoint, Exchange, OneDrive)

**AI-funksjoner som krever add-on:**
- 💰 Microsoft 365 Copilot (~$30/user/month)
- 💰 Copilot Studio (~$200/month tenant + user licenses)
- 💰 AI Builder credits beyond seeded amount
- 💰 Advanced DLP (Teams, Endpoints)

**Best for:** Organisasjoner som vil teste Copilot Chat uten full Copilot-investering.

---

### Microsoft 365 E5

**Pris:** ~€57/user/month (EA pricing, Norway)

**AI-funksjoner inkludert (utover E3):**
- ✅ Advanced compliance (eDiscovery Premium, Insider Risk)
- ✅ Microsoft Security Copilot (coming in 2025)
- ✅ Advanced DLP (Teams, Endpoints)
- ✅ Adaptive Protection
- ✅ Communication Compliance
- ✅ Auto-labeling for sensitivity/retention
- ✅ 500 AI Builder credits/user/month (til nov 2026)

**AI-funksjoner som krever add-on:**
- 💰 Microsoft 365 Copilot (~$30/user/month)
- 💰 Copilot Studio (~$200/month tenant + user licenses)
- 💰 AI Builder credits beyond seeded amount

**Best for:** Organisasjoner med strenge compliance-krav som planlegger full AI-adopsjon.

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### Microsoft 365 Copilot Add-on

**Pris:** ~$30/user/month

**Forutsetninger:**
- Must have one of: M365 E3/E5, Business Basic/Standard/Premium, Office 365 E1/E3/E5, Teams Enterprise, or compatible plan

**Inkluderer:**
- ✅ Copilot in Word, Excel, PowerPoint, Outlook, Teams
- ✅ Copilot Chat (work-based, grounded in org data)
- ✅ Copilot Pages
- ✅ SharePoint Advanced Management
- ✅ Copilot Analytics
- ✅ Zero-rated Copilot Studio usage when used in M365 services (classic answers, generative answers, Graph grounding)

**Ekskluderer:**
- ❌ Copilot Studio standalone features (premium connectors, multi-channel deployment)
- ❌ Azure AI services
- ❌ AI Builder credits (separate purchase)

---

### Copilot Studio Standalone

**Pris:**
- Tenant license: ~$200/month (includes capacity)
- User licenses: ~$30/user/month
- Prepaid Copilot Credits: Consumption-based
- Pay-as-you-go: Azure meter-based

**Inkluderer:**
- ✅ Generative orchestration
- ✅ Deployment to any channel (web, Teams, Slack, etc.)
- ✅ Premium Power Platform connectors
- ✅ Power Automate flows (automated, instant, scheduled)
- ✅ Web security with secret generation
- ✅ Bot Framework skills integration
- ✅ Live agent handoff

**Teams Plan (inkludert i M365-lisenser):**
- ⚠️ Limited to Teams channel only
- ⚠️ Standard connectors only
- ⚠️ No generative orchestration
- ⚠️ 10 sessions/user/24h limit

---

### Power Apps Premium

**Pris:** ~$40/user/month

**Inkluderer:**
- ✅ 500 AI Builder credits/user/month (til nov 2026)
- ✅ Premium connectors (1,000+)
- ✅ Dataverse capacity (2 GB database + 2 GB file)
- ✅ Custom connectors
- ✅ On-premises data gateway

**Best for:** App-builders som trenger AI-capabilities (document processing, prediction).

---

### Power Automate Premium

**Pris:** ~$40/user/month

**Inkluderer:**
- ✅ 5,000 AI Builder credits/user/month (til nov 2026)
- ✅ Attended RPA
- ✅ Premium connectors
- ✅ Process mining
- ✅ AI-driven process recommendations

**Best for:** Automatisering med RPA og AI-features.

---

## 3. Copilot-Specific Licensing Guide

### Copilot License Types

| Copilot Type | License Required | Use Case | Pricing Model |
|--------------|------------------|----------|---------------|
| **Microsoft 365 Copilot** | M365 Copilot add-on | Embedded in M365 apps | $30/user/month |
| **Copilot Chat (web)** | Any M365 subscription | Web-only, public data | Included |
| **Copilot Chat (work)** | M365 Copilot license | Org data grounding | $30/user/month |
| **Copilot Studio Agents** | Copilot Studio license | Custom agents, multi-channel | Consumption-based (Copilot Credits) |
| **Copilot for Sales** | Dynamics 365 Sales + add-on | Sales-specific features | Add-on pricing |
| **Copilot for Service** | Dynamics 365 Customer Service + add-on | Service-specific features | Add-on pricing |
| **Security Copilot** | M365 E5 (2025) or standalone | Security operations | Included in E5 (2025) |

### Message/Session Quotas

**Copilot Studio:**
- **Standalone subscription:** No hard session limits, but quota enforcement based on RPM (requests per minute)
- **Teams plan:** 10 sessions/user/24h across all agents in tenant
- **M365 Copilot users:** Zero-rated usage for classic/generative answers, Graph grounding

**RPM Quotas (per environment):**
| Prepaid Message Packs | RPM | RPH |
|-----------------------|-----|-----|
| 1-10 packs | 50 | 1,000 |
| 11-50 packs | 80 | 1,600 |
| 51-150 packs | 100 | 2,000 |
| 150+ packs | +1 RPM per 10 packs | +20 RPH per 10 packs |
| Pay-as-you-go | 100 | 2,000 |
| Trial/dev environments | 10 | 200 |

---

## 4. AI Builder Credit Allocation

### Seeded Credits by License (til 1. nov 2026)

| License | AI Builder Credits/Month | Max Tenant Credits |
|---------|--------------------------|-------------------|
| Power Apps Premium | 500 | 1,000,000 |
| Power Apps Per App | 250 | 1,000,000 |
| Power Automate Premium | 5,000 | 1,000,000 |
| Power Automate Process | 5,000 | 1,000,000 |
| Power Automate Hosted RPA | 5,000 | 1,000,000 |
| Power Automate Unattended RPA | 5,000 | 1,000,000 |
| Dynamics 365 F&O | 20,000 | 20,000 |
| M365 E3/E5 | 500 | 1,000,000 |

### Add-on Credits

| Add-on Tier | Credits | Est. Price |
|-------------|---------|-----------|
| AI Builder T1 | 1,000,000 | ~$500/month |
| AI Builder T2 | 1,000,000 | ~$500/month |
| AI Builder T3 | 1,000,000 | ~$500/month |

**Viktig:**
- Unused credits DO NOT carry over to next month
- Credits reset on 1st of each month
- Environment in overage switches to Copilot Credits if available
- Post Nov 2026, only add-on credits remain — seeded credits removed

---

## 5. Azure AI Services — Subscription Requirements

### Free Tier

**Hva er inkludert:**
- 1 free Azure AI Search service per subscription
- Limited AI services calls (varies by service)
- 20 transactions/minute for most AI services
- 5,000 transactions/month for many services

**Begrensninger:**
- May be deleted after extended inactivity
- 50 MB storage limit (Search)
- No dedicated compute
- No SLA

---

### Pay-as-you-go

**Pricing Models:**
- **Azure OpenAI:** Token-based (input + output tokens)
  - GPT-4: ~$30-60/1M tokens (model-dependent)
  - GPT-3.5-turbo: ~$0.50-2/1M tokens
- **Azure AI Search:** Per-hour pricing for tiers (Basic ~$75/month, Standard ~$250/month)
- **AI Document Intelligence:** Per-page pricing (~$0.01-0.10/page)
- **Speech Services:** Per-hour or per-character pricing

**Best for:** Variable workloads, POC, dev/test.

---

### Enterprise Agreement

**Benefits:**
- Volume discounts (typically 15-40% off pay-as-you-go)
- Committed spend model
- Centralized billing
- Reserved capacity discounts

**Best for:** Large organizations with predictable AI spend.

---

### Azure AI Foundry (formerly Azure ML Studio)

**Inkluderer:**
- Model catalog (Azure OpenAI, Hugging Face, Meta)
- Prompt flow authoring
- Evaluation tools
- Content filtering
- Deployment options (real-time, batch)

**Pricing:** Separate charges for:
- Compute (training/inference)
- Storage (models, datasets)
- Model API calls (if using MaaS)

---

## 6. Common Licensing Mistakes & Pitfalls

### Feil 1: Antar at M365 E5 inkluderer alt

**Realitet:**
- E5 inkluderer IKKE M365 Copilot (krever add-on)
- E5 inkluderer IKKE Copilot Studio
- E5 inkluderer IKKE Azure AI (krever separat Azure-sub)

**Fix:** Budsjettér for separate add-ons.

---

### Feil 2: Forventer at AI Builder credits akkumuleres

**Realitet:**
- Credits resettes hver måned
- Unused credits går tapt
- Ingen rollover til neste måned

**Fix:** Estimer månedlig peak-forbruk og kjøp for det.

---

### Feil 3: Tror Copilot Studio Teams-plan er tilstrekkelig

**Realitet:**
- Kun Teams-kanal
- Ingen premium connectors
- Ingen generativ orkestrering
- 10 sessions/user/24h-grense

**Fix:** Kjøp standalone hvis du trenger multi-channel eller enterprise features.

---

### Feil 4: Glemmer Azure subscription for AI Foundry

**Realitet:**
- Azure AI Foundry/OpenAI krever aktiv Azure subscription
- Separat billing fra M365
- Kan generere uventede kostnader hvis ikke monitored

**Fix:** Sett opp cost alerts i Azure, budsjettér separat.

---

### Feil 5: Blander AI Builder credits og Copilot Credits

**Realitet:**
- AI Builder credits brukes i Power Apps/Power Automate
- Copilot Credits brukes i Copilot Studio
- AI Builder features kan falle tilbake på Copilot Credits ved overage
- Fra nov 2026: kun Copilot Credits for nye kunder

**Fix:** Forstå hvilken valuta hver service bruker.

---

### Feil 6: Ignorerer M365 E3 vs E5 compliance-forskjeller

**Realitet:**
- E3 har basic DLP (SharePoint, Exchange, OneDrive)
- E5 kreves for advanced DLP (Teams, Endpoints)
- E5 kreves for Adaptive Protection, Insider Risk, eDiscovery Premium
- Viktig for norske offentlige virksomheter (GDPR, Schrems II)

**Fix:** Vurder compliance-krav før du velger E3 vs E5.

---

## 7. Upgrade Paths

### E3 → E5

**Cost delta:** ~€21/user/month (EA pricing)

**Du får:**
- Advanced Threat Protection
- Advanced compliance (eDiscovery, Insider Risk)
- Advanced DLP
- Security Copilot (2025)
- Power BI Pro

**Når det er verdt det:**
- Strenge compliance-krav
- Trenger Insider Risk Management
- Vil ha Security Copilot når det kommer
- >200 users (volume discount kicks in)

---

### Standalone Copilot Studio → M365 Copilot Bundle

**Scenario:** Du har Copilot Studio standalone, vurderer M365 Copilot.

**Gevinster:**
- Zero-rated usage i M365-kanaler
- Integrated experience i Word/Excel/Teams
- Enklere lisenshåndtering

**Trade-offs:**
- Fortsatt trenger Copilot Studio for multi-channel
- M365 Copilot krever base M365 license (E3/E5)

---

### AI Builder Add-on → Copilot Credits

**Forced migration:** Nov 2026 for seeded credits, nye kunder må kjøpe Copilot Credits nå.

**Hva endres:**
- Felles valuta på tvers av Copilot Studio og AI Builder
- Pay-as-you-go option via Azure
- Consumption-based vs fixed monthly allocation

**Migrering:**
- Beregn dagens AI Builder-forbruk
- Konverter til Copilot Credits (rate card i Power Platform Licensing Guide)
- Kjøp prepaid pack eller enable pay-as-you-go

---

## 8. Norwegian Public Sector Licensing Notes

### Akademia (UH-sektoren)

**Tilgjengelige lisenser:**
- Microsoft 365 A1 (gratis for studenter)
- Microsoft 365 A3/A5 (faculty/staff)
- Education-specific pricing (~40% rabatt vs commercial)

**AI-funksjoner:**
- A1: Copilot Chat (web) included, NO AI Builder credits
- A3: Samme som E3, 500 AI Builder credits/user* (til nov 2026)
- A5: Samme som E5, 500 AI Builder credits/user* (til nov 2026)
- M365 Copilot tilgjengelig som add-on (edu pricing)

**Compliance:**
- EU Data Boundary supported
- Schrems II-compliant (EEA data residency)
- GDPR-ready (men krever config)

---

### Offentlig Sektor (Statlig/Kommunal)

**Procurement:**
- Gjennom SSA (Statens innkjøpsavtaler)
- DFØ agreements
- KGV (Kommunenes Gjeninnkjøpsavdeling)

**Licensing:**
- Ofte EA (Enterprise Agreement) med volum-rabatt
- Government Community Cloud (GCC) available (US Gov, ikke Norge-spesifikt)
- Standard commercial licenses for Norwegian public sector

**Pricing Considerations:**
- Forhandlingsrom avhenger av antall brukere
- Multi-year commits gir rabatt
- Consider cyclical budgets (årlige bevilgninger)

---

### Data Residency & Compliance

**EU Data Boundary:**
- M365 E3/E5: ✅ Supported (data lagret i EU)
- Azure: ✅ Norway regions available (Norway East, Norway West)
- Copilot Studio: ✅ EU data residency (når environment er i EU)

**GDPR:**
- All Microsoft AI services GDPR-compliant when configured
- DPA (Data Processing Agreement) included in enterprise licenses
- Consider DLP policies for sensitive data (E5 recommended)

**Schrems II:**
- EU Data Boundary mitigates Schrems II concerns
- Azure confidential computing available
- Consider on-premises options for highly sensitive workloads

---

## 9. Quick Decision Matrix

### Scenario 1: "Vi vil teste Copilot uten stor investering"

**Anbefaling:**
- Behold dagens M365 E3/E5
- Kjøp 10-50 M365 Copilot licenses for pilot-brukere (~$30/user/month)
- Evaluer i 3-6 måneder
- Scale dersom ROI er positiv

**Estimated cost:** $300-1,500/month for pilot

---

### Scenario 2: "Vi trenger custom agents for kundeservice"

**Anbefaling:**
- Copilot Studio standalone (~$200/month tenant + user licenses)
- Power Automate Premium hvis RPA trengs (~$40/user/month)
- Azure OpenAI for custom models (consumption-based)

**Estimated cost:** $500-2,000/month (avhenger av message volume)

---

### Scenario 3: "Vi vil bruke AI i interne apper (Power Apps)"

**Anbefaling:**
- Power Apps Premium (~$40/user/month)
- AI Builder add-on hvis seeded credits ikke holder ($500/month per 1M credits)
- Alternativt: Copilot Credits fra nov 2026

**Estimated cost:** $40-100/user/month

---

### Scenario 4: "Vi trenger full compliance + AI (offentlig sektor)"

**Anbefaling:**
- M365 E5 (~€57/user/month)
- M365 Copilot add-on (~$30/user/month)
- Azure med Norwegian regions
- DLP, Adaptive Protection, eDiscovery Premium

**Estimated cost:** ~€90-100/user/month

---

### Scenario 5: "Vi skal bygge egne AI-modeller"

**Anbefaling:**
- Azure Enterprise Agreement
- Azure AI Foundry (for MLOps)
- Azure OpenAI Service (for LLMs)
- Azure Machine Learning (for custom models)

**Estimated cost:** Highly variable ($1,000-50,000+/month avhenger av compute/storage)

---

## 10. Verified vs Assumed Information

### ✅ Verified (fra microsoft-learn MCP)

- M365 Copilot add-on pris: $30/user/month
- AI Builder seeded credits fjernes 1. nov 2026
- Security Copilot inkluderes i E5 (coming 2025)
- Copilot Studio Teams plan: 10 sessions/user/24h limit
- AI Builder credits reset monthly, no rollover
- Azure free tier: 1 free search service per subscription

### ⚠️ Assumed (basert på erfaring, verifiser)

- Norwegian EA pricing (~€36 E3, ~€57 E5) — varies by customer agreement
- Copilot Studio tenant license ~$200/month — see official pricing
- AI Builder add-on ~$500/month per 1M credits — see official pricing
- Education discount ~40% — varies by institution

---

## 11. Key Takeaways for Architects

1. **Ingen "all-in-one" license** — Microsoft AI-stakken krever flere lisenser for full funksjonalitet
2. **M365 Copilot ≠ Copilot Studio** — Separate produkter, separate lisenser, ulike bruksområder
3. **AI Builder → Copilot Credits migrering** — Planlegg nå, seeded credits forsvinner nov 2026
4. **E3 vs E5 er viktig for compliance** — Offentlig sektor bør vurdere E5 for advanced DLP/eDiscovery
5. **Azure-kostnader kan eksplodere** — Sett opp cost alerts, budsjettér separat fra M365
6. **Quotas og limits varierer** — Copilot Studio RPM, AI Builder monthly reset, Teams plan-begrensninger
7. **Norwegian data residency er tilgjengelig** — Men må konfigureres (EU Data Boundary, Azure Norway regions)

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## Relaterte Referanser

- [Decision Trees](./decision-trees.md) — Når bruke hvilken plattform
- [Security & Compliance](./security.md) — Sikkerhetskrav per lisens
- [Microsoft Agent Framework](../development/microsoft-agent-framework.md) — Custom agent development

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## Kilder

- [Microsoft 365 Copilot Licensing](https://learn.microsoft.com/en-us/copilot/microsoft-365/microsoft-365-copilot-licensing)
- [Copilot Studio Licensing](https://learn.microsoft.com/en-us/microsoft-copilot-studio/requirements-licensing-subscriptions)
- [AI Builder Credit Management](https://learn.microsoft.com/en-us/ai-builder/credit-management)
- [Power Platform Licensing Guide](https://go.microsoft.com/fwlink/?linkid=2085130) (PDF)
- [Microsoft 365 E3 vs E5 Feature Comparison](https://learn.microsoft.com/en-us/copilot/microsoft-365/microsoft-365-copilot-license-feature-overview)
