#Copilot features at a glance
AddedGitHub Copilot started in 2021 as autocomplete for code. In October 2026 it is a family of tools that differ mainly in how much of the work Copilot does before you look at it. At one end it suggests the next few characters while you type and you accept or ignore each one. At the other end you assign it an issue, it works alone in a cloud environment for up to an hour, and you meet its work as a pull request. In between sit chat, a planning agent and an agent that edits files and runs commands in your editor while you watch.
A good mental model is a delegation dial. Turning it to the right gives Copilot more steps to take on its own, which means it can do bigger jobs, but you see less of the work as it happens and you have to review more of it afterwards. Every feature below is a position on that dial, and choosing the right position for a task is most of the skill. GitHub's own overview (docs.github.com, "About GitHub Copilot", read 27 October 2026) groups the features the same way: assistive (it responds while you work, you apply each suggestion) and agentic (you describe a goal and it works through several steps), plus customisations and third-party agents and MCP servers.
Everything on this page is checked against GitHub's documentation as it read on 27 October 2026 (and VS Code's documentation dated 21 October 2026). Copilot changes monthly: two things you may remember from 2025 have already been renamed. The Copilot coding agent is now the Copilot cloud agent (first announced in GitHub's changelog of 1 April 2026, "Research, plan, and code with Copilot cloud agent": "Copilot cloud agent (formerly known as Copilot coding agent)"; later posts, such as the 23 April 2026 one, refer back to "the Copilot coding agent to Copilot cloud agent rename"), and premium requests were replaced by GitHub AI Credits on 1 June 2026. Copilot can't be run from this study site, so none of the Copilot features here were run; the runnable models on this page compute things the documentation states (prices, rules, precedence) and say so.
The features, one line each
| Feature | What it does | Where | Who acts |
|---|---|---|---|
| Inline suggestions (code completion) | Grey "ghost text" at the cursor, from the code around it and your open files | IDEs (VS Code, Visual Studio, JetBrains, Eclipse, Xcode, Neovim) | You accept with Tab |
| Next edit suggestions (NES) | Predicts where your next edit is likely to be and what it is, after you change something | VS Code, Visual Studio; preview in JetBrains, Eclipse, Xcode | You jump and accept |
| Copilot Chat (Ask) and inline chat | Answers questions about code, explains, suggests fixes; on GitHub.com it can also create branches and issues | IDEs, GitHub.com, GitHub Mobile, Windows Terminal | You ask, you apply |
| Plan (plan mode / Plan agent) | Researches with read-only tools and drafts a step-by-step plan with open questions; no code changes until you approve | VS Code, JetBrains, Xcode, Eclipse, Copilot CLI (not Visual Studio) | You approve, then hand off |
| Agent mode | Decides which files to change, edits them, runs terminal commands and tools (including MCP), iterates until done | VS Code, Visual Studio, JetBrains, Xcode, Eclipse | You approve commands, review the diff |
| Copilot cloud agent (was "coding agent") | Works in an ephemeral GitHub Actions environment, pushes to a copilot/… branch, opens a draft pull request (or, since April 2026, lets you review and refine the branch before asking for one) | GitHub.com (issues, Agents tab, Chat), also started from IDEs, CLI, Slack, Teams, Jira… | You review and merge |
| Copilot code review | Reviews a pull request, leaves comments with severity and suggested changes | GitHub.com, GitHub Mobile, GitHub CLI, VS Code, Visual Studio, JetBrains, Xcode | You and a human reviewer decide |
| Copilot CLI | An agent in your terminal (copilot), interactive or scripted, with a plan mode, MCP and the GitHub MCP server built in | Linux, macOS, Windows (PowerShell, WSL) | You steer or let it run |
| GitHub Copilot app | A desktop app built on Copilot CLI for running several agent sessions in parallel, each in its own git worktree and branch | macOS, Linux, Windows | You direct sessions |
Sources for the table: docs.github.com "About GitHub Copilot", "GitHub Copilot in IDEs", "GitHub Copilot on GitHub.com", "Using plan mode in your IDE", "Copilot feature matrix" (marked public preview) and "GitHub Copilot app", all read 27 October 2026. Around these sit customisations you'll meet in the next topics: custom instructions, prompt files, agent skills, custom agents, hooks and MCP servers.
Plans and what they include (October 2026)
| Plan | Price | AI credits per month | Notable limits |
|---|---|---|---|
| Copilot Free | free | "an allowance" (no figure given) | 2,000 completions a month; auto model selection only; no cloud agent; code review only "Review selection" in VS Code |
| Copilot Student | free for verified students | "an allowance" | unlimited completions; auto model selection only; no third-party agents |
| Copilot Pro | $10 a month | 1,500 (1,000 base + 500 flex) | a selection of models |
| Copilot Pro+ | $39 a month | 7,000 (3,900 base + 3,100 flex) | premium models |
| Copilot Max | $100 a month | 20,000 (10,000 base + 10,000 flex) | priority access to premium models |
| Copilot Business | $19 per granted seat a month | 1,900 per user, pooled | organisation policies, content exclusion, org instructions, audit logs |
| Copilot Enterprise | $39 per granted seat a month | 3,900 per user, pooled | everything in Business, for GitHub Enterprise Cloud |
From "Plans for GitHub Copilot" and "Usage-based billing for individuals" (docs.github.com, read 27 October 2026). All plans include Copilot CLI and the Copilot app. Code completions and next edit suggestions are not billed in AI credits and stay unlimited on paid plans; chat, agent mode, the cloud agent, the CLI and code review consume credits. Usage beyond an organisation's pool is charged at $0.01 per credit. Copilot isn't built into GitHub Enterprise Server: licences and policies live on GitHub.com or GHE.com, and a company whose code is on Enterprise Server uses Copilot through local clients such as the IDE extensions and the CLI ("About GitHub Copilot on GitHub Enterprise Server", Enterprise Server 3.22 docs, read 27 October 2026).
The first runnable model turns that billing rule into numbers. Under usage-based billing the cost of an interaction is the tokens it uses times the model's price per token, converted to credits at 1 credit = $0.01. The prices are Claude Sonnet 5.5's row in GitHub's "Models and pricing" table (read 27 October 2026); the token counts are assumptions, stated in the code.
// What a chat question and an agent session cost in GitHub AI Credits (usage-based billing, from 1 June 2026).
// Prices: Claude Sonnet 5.5 in "Models and pricing for GitHub Copilot" (docs.github.com, read 2026-10-27),
// US dollars per 1 million tokens. 1 AI credit = $0.01. Token counts are assumptions, not measurements.
const price = { input: 2.0, cachedInput: 0.1, cacheWrite: 2.5, output: 10.0 };
function credits(call) {
const dollars =
(call.input * price.input +
call.cachedInput * price.cachedInput +
call.cacheWrite * price.cacheWrite +
call.output * price.output) / 1e6;
return dollars / 0.01;
}
// 1. One chat question: a 6k-token prompt (instructions + open file + question), a 700-token answer.
const chat = credits({ input: 6000, cachedInput: 0, cacheWrite: 0, output: 700 });
// 2. An agent-mode task: 30 model calls in one loop. Each call re-sends the whole conversation so far.
// Assumption: what the model saw last time is a cache hit; what is new since the last call (its own
// 600-token output plus 2,500 tokens of tool results such as file contents) is written to the cache.
let context = 15000; // system prompt, tools, instructions, the user's request
let agent = 0;
for (let call = 1; call <= 30; call++) {
const fresh = call === 1 ? context : 2500 + 600;
agent += credits({ input: 0, cachedInput: context - fresh, cacheWrite: fresh, output: 600 });
context += 2500 + 600; // tool results and the model's own output become context for the next call
}
const fmt = (n) => n.toFixed(2).padStart(7);
console.log(`${"chat question".padEnd(21)}${fmt(chat)} credits`);
console.log(`${"agent task, 30 calls".padEnd(21)}${fmt(agent)} credits (context at the end: ${context.toLocaleString("en")} tokens)`);
console.log(`${"agent task / chat".padEnd(21)}${fmt(agent / chat)} x`);
for (const [plan, allowance] of [["Pro", 1500], ["Business", 1900], ["Pro+", 7000]]) {
console.log(`${plan.padEnd(9)} ${String(allowance).padStart(5)} credits/month = ${Math.floor(allowance / agent)} such agent tasks`);
}chat question 1.90 credits
agent task, 30 calls 61.16 credits (context at the end: 108,000 tokens)
agent task / chat 32.19 x
Pro 1500 credits/month = 24 such agent tasks
Business 1900 credits/month = 31 such agent tasks
Pro+ 7000 credits/month = 114 such agent taskscredits()applies the documented formula: each token kind (fresh input, cached input, cache write, output) times its price per million, divided by a million to get dollars, divided by0.01to get credits. Sonnet 5.5's output price ($10) is five times its input price ($2), and reading from the cache ($0.10) is a twentieth of fresh input.- The chat question is one model call:
6000 × $2 + 700 × $10 = $0.019, which is 1.90 credits. That's the shape of Ask mode: one prompt, one answer. - The agent task is a loop of 30 model calls, because an agent works by calling the model, running a tool, and calling the model again with the tool's result (the agent loop in Agent mode and the coding agent). Every call re-sends the whole conversation, so the context grows by 3,100 tokens a call, from 15,000 to 108,000 at the end.
- Prompt caching keeps that affordable: call 1 writes all 15,000 tokens to the cache (about 4.35 credits including its output), and every later call reads the old context at the cheap cached rate and writes only the new 3,100 tokens. The cost per call creeps up from about 1.5 to 2.4 credits as the cached part grows, and the 600 output tokens are a large share of every call.
- The total, 61.16 credits, is about 32 chat questions. A Pro allowance of 1,500 credits covers 24 tasks like that a month; Business seats pool 1,900 credits each across the organisation. Change the model (Haiku 5.5's default tier, up to 100K input tokens, costs a twentieth of Sonnet 5.5 for input) or the number of calls and the answer changes in proportion.
- What this demonstrates: under usage-based billing agentic features cost more because they make many model calls, not because they're priced differently. That's why GitHub's docs say agent mode "consumes GitHub AI Credits" on every prompt while completions don't, and why "keep the task small and the context lean" is a cost rule as well as a quality rule.
Copilot CLI is the surface most like the terminal agents Rohit already uses. Its documented basics ("GitHub Copilot CLI", read 27 October 2026), shown as commands that weren't run here:
copilot # interactive session; Shift+Tab cycles into plan mode
copilot -p "Summarise this week's commits" --allow-tool='shell(git)' # one prompt, then exit
copilot --cloud # the session runs in a cloud sandbox (public preview)- Plain
copilotstarts an interactive session in the current directory: it can answer questions, edit files and run commands, asking before it uses a tool unless you've allowed it. Plan mode asks clarifying questions and writes a plan before any code. -p(or--prompt) is the programmatic mode for scripts and CI. Approval options such as--allow-tool='shell(git)'grant just the tools the task needs; the docs warn that--allow-all-toolsgives it "the same access as you do to files on your computer"./sandbox enableinside a session restricts its file system, network and system access locally;--cloudruns the whole session in a GitHub-hosted sandbox whose policies inherit from the cloud agent's, firewall included.- It reads the same repository instruction files (plus
~/.copilot/copilot-instructions.mdfor personal ones), has the GitHub MCP server built in, and supports local and remote MCP servers. The Copilot app is a desktop front end built on it, for running several sessions in parallel worktrees.
For each task, which Copilot feature would you reach for first, and why? (a) Renaming a prop across 40 React components in a repo you know well. (b) "Why does our device-pairing endpoint return 409 sometimes?" (c) A well-specified issue: add pagination to GET /api/devices, with tests, matching the existing GET /api/calls pattern. (d) Changing how authentication tokens are refreshed on the device's admin web UI.
Show answer
(a) agent mode in your IDE, (b) Chat in Ask mode (or Plan), (c) the cloud agent, (d) do it yourself, with Chat or Plan to help you think, and Copilot code review plus a human reviewer on the result.
- (a) is mechanical, multi-file and easy to verify with the type checker and tests, and you want to watch it happen: agent mode, with
npx tsc --noEmitand the tests as the agent's validation steps. Completions alone would mean 40 manual edits. - (b) is a question, not a change. Ask mode (or the Plan agent, which only uses read-only tools) can read the handler, the conflict logic and the tests and explain the 409 path. Nothing should be edited until you understand the cause.
- (c) is the cloud agent's sweet spot as GitHub describes it ("Best practices for using GitHub Copilot to work on tasks"): a clear problem, acceptance criteria (tests) and a pattern to copy. It works in the background while you do something else, and you meet it as a draft pull request.
- (d) touches authentication. GitHub's own guidance lists "tasks involving security, personally identifiable information, authentication repercussions" among those you may want to keep for yourself. The assistant can still help you think it through in Chat, and review the result, but a human owns the design.
- The pattern: the less ambiguous and the easier to verify a task is, the further right on the dial you can safely turn it.
Where it shows up in practice. Most teams use several positions at once: completions all day, Chat for questions, agent mode for multi-file changes, code review on every pull request, and the cloud agent for a queue of small, well-specified issues. The trade-off on the dial is always the same: more autonomy saves your time while it works and costs your time when you review. Chapter 01's The developer's job with an assistant is the general version of that rule.