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Prompt-driven graphic design metered by Microsoft AI credits
Microsoft Designer turns a prompt into social posts, invitations and edited photos, and returns layered files you can keep editing rather than a flat render. Generative erase, background removal, restyle and image generation each cost one AI credit from a monthly allowance. Free accounts get 15 of those credits; a Microsoft 365 subscription raises the figure to 60, but that pool is shared with Copilot across Word, Excel and the rest of Office.
Designer carries no price of its own; it is metered by the Microsoft 365 AI credit pool. Free accounts get 15 credits a month, and a Microsoft 365 Personal or Family subscription lifts that to 60 shared with Copilot in the Office apps, so a week of drafting in Word leaves fewer image generations. Credits reset at the start of each billing month and do not roll over. Microsoft retired the standalone $20/month Copilot Pro in late 2025 and folded its benefits into Microsoft 365 Premium at about $19.99/month, with existing Copilot Pro subscribers supported until 1 August 2026.
Use tool ↗Free enough to be worth having on the taskbar and genuinely good at one-off social graphics, but the credit pool is small and shared, so it is a convenience tool rather than something a design workflow can lean on.
Watch out: The 60 credits a Microsoft 365 subscription buys are not Designer's — they are the same pool Copilot draws on in Word and Excel, so heavy Office use silently starves your image generation.
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