AI IN BUSINESS · ONE SPECIFIC BUDGET
How much does AI cost for an SME?
How much does it cost to give a small business access to AI and automate selected tasks in Business Central? Here, we’re basing our calculations on 10 employees with Copilot, five additional Claude licenses, and one shared credit package for BC agents. That comes to 3,798 DKK per month, excluding VAT—approximately 3,800 DKK. Here you can see exactly what the amount covers.
The One-Minute Example
In this example, approximately 3,800 DKK per month covers 10 Microsoft 365 Copilot Business licenses, five Claude Team Standard licenses, and one package of 25,000 Copilot Credits. The package includes the estimated usage for 100 sales orders and 200 vendor invoices with three lines each, as well as a dedicated allocation for your own agents. This is a sample calculation, not a quote or a total implementation budget.
The business we're basing our calculations on
- The company has 10 employees. All of them will receive Microsoft 365 Copilot Business. Five of them will also receive Claude Team Standard, so there are 15 user subscriptions shared among 10 people.
- The required Microsoft 365 and Business Central base licenses have already been paid for and are not included in this additional AI budget.
- The Sales Order Agent processes 100 sales orders per month, each with three line items. Each order arrives in a single email with one usable PDF attachment and is processed with one inventory check, one order creation, and one reply email.
- Payables Agent processes 200 vendor invoices per month, each as a valid PDF with three item or service lines. Vendor invoices are invoices from suppliers.
- A single package containing 25,000 Copilot Credits covers the estimated usage of standard agents. We also allocate 5,000 of the package’s credits to our own agents who are billed based on usage.
- Claude is also used as an interactive client for BC via MCP. Its use is limited to the scope of the subscription; a separate API app and additional API purchases are not included.
Prices verified on November 14, 2026. All amounts are exclusive of VAT. We use monthly subscriptions. Claude is converted from 25 USD per user using a selected budget exchange rate of 7 DKK per USD; this is not a verified Danish retail price or current exchange rate.
The total monthly budget
10 × Copilot Business
10 × 162.96 DKK per month
1,629.60 DKK
5 × Claude Team Standard
5 × 25 USD × budget exchange rate 7.00
875.00 DKK
One Bundle of Copilot Credits
25,000 credits per month
1,293.40 DKK
Total: 3,798.00 DKK per month, excluding VAT
That is approximately 3,800 DKK per month, or 45,576 DKK for 12 months, assuming prices and the budget exchange rate remain unchanged. The credit package is paid in full. The agent fees listed below are already included in the 1,293.40 DKK and do not need to be added on top.
What is included in the approximately 3,800 kr.?
The amount covers exactly three purchases: Copilot Business for all 10 employees, Claude Team Standard for five of those same employees, and a shared package of 25,000 Copilot Credits. The five Claude licenses are in addition to Copilot. In this example, five ChatGPT licenses are not purchased.
Copilot Business costs 162.96 DKK per user per month here. Claude Team Standard costs 25 USD per user with monthly billing and requires a minimum of two users. The five licenses meet the minimum requirement. Annual discounts and promotions are not included.
Existing Microsoft 365 and BC base licenses, setup, development, training, support, and other services are not included in the approximately 3,800 DKK. The amount therefore represents the budget for the selected AI subscriptions and the credit package.
100 sales orders: 1,900 Copilot Credits
We assume one email with one usable PDF attachment per sales order. The agent analyzes the email (2 credits), processes the attachment (5), checks product availability (5), creates the order (5), and generates the reply email (2). This totals 19 credits per order.
100 × (2 + 5 + 5 + 5 + 2) = 1,900 Copilot Credits per month. Sales orders have three lines each, but Microsoft specifies billing per activity for the Sales Order Agent, not a fixed surcharge per sales line as with the Payables Agent. Multiple processing steps or additional actions may increase usage.
200 vendor invoices with three line items: 13,000 credits
Payables Agent processes vendor invoices—that is, invoices from suppliers. Microsoft specifies 50 Copilot Credits per invoice and 5 credits per invoice line. An invoice with three item or service lines therefore uses 50 + (3 × 5) = 65 credits.
200 × 65 = 13,000 Copilot Credits per month. This is based on 200 valid PDF invoices with three lines each. A higher number of lines will affect your usage.
Here's how we're distributing the 25,000 credits
100 sales orders: 1,900 credits. 200 vendor invoices: 13,000 credits. The standard agents thus use a total of 14,900 credits per month.
We are allocating 5,000 credits to our own usage-based agents, such as Copilot Studio agents. This is a designated budget, not a measurement or a promise of a specific number of tasks. Usage depends on the agent’s features and billing terms; some uses may be included in a Copilot user license.
14,900 + 5,000 = 19,900 credits, including the allocated budget. This leaves 25,000 − 19,900 = 5,100 credits as a buffer. Both the 5,000 credits for our own agents and the buffer are already covered by the package priced at 1,293.40 DKK. No additional expense is added to the monthly budget.
Microsoft has not yet published the billing details for BC’s AI development toolkit for building custom agents. Therefore, we cannot guarantee that the allocated budget will cover a specific BC agent. The specific solution and its billing must be verified. Unused monthly credits do not carry over.
BC MCP is currently free of charge — payment has been announced
There is currently no separate usage fee for the Business Central MCP tools themselves. Microsoft has announced that fees will be introduced in the future, but has not yet disclosed the prices, which tools will be included, or the implementation date. Therefore, DKK 0 has been allocated for separate BC MCP usage in this example.
That doesn’t mean the entire AI solution is free: Claude licenses are included in the budget, and the necessary BC licenses, rights, and permissions must be in place. An agent using MCP may also have its own usage with the AI provider.
If the company instead builds an app that makes direct calls to OpenAI or Claude via an API, that usage must be budgeted based on the specific solution. Certain subscriptions provide API credits under special terms. Such an app and additional API purchases are not included in the sample calculation.
Get a budget that fits your needs
As your trusted advisor, we help you define the scope of the process, select the right tools, and factor in the relevant costs. An AI potential analysis can provide a basis for setting priorities before you invest.
View the AI Potential AnalysisQuestions and Answers
What can you get for about 3,800 kr. a month?
10 Copilot Business licenses, five Claude Team Standard licenses, and one shared package containing 25,000 Copilot Credits. The total amount is 3,798 DKK, excluding VAT, based on the selected budget exchange rate. Base licenses and services are not included.
Do we have to pay extra for the 5,000 credits for our own agents?
No. The 5,000 credits are a designated portion of the same 25,000-credit package. It is a budget allocation for agents billed on a consumption basis, not a guarantee of a specific number of tasks or a BC billing model that has not yet been announced.
Are Claude and ChatGPT both included in the total?
No. We have selected five Claude Team Standard licenses to supplement the 10 Copilot licenses. A ChatGPT subscription is a possible alternative, but it is not an additional purchase in this example.
Is BC MCP free to use?
There is currently no separate usage fee for the BC MCP tools themselves. Microsoft has announced that fees will be charged, but pricing and the rollout schedule have not yet been disclosed. The AI client and any agents may still incur a cost.
Sources and Pricing Basis
Prices and terms verified on November 14, 2026. The exchange rate and the budget allocation for in-house agents are selected budget assumptions.
Microsoft: Monthly Price in Denmark for Copilot BusinessAnthropic: Claude Team Pricing and Minimum QuantitiesMicrosoft: Credit Usage by BC AgentsMicrosoft: Danish Copilot Studio Credit PackageMicrosoft: Terms and Conditions of the Credit PackagesMicrosoft: BC-MCP and Scheduled PaymentAnthropic: Team Billing and API CreditsOpenAI: API credits for ChatGPT subscribers