@@ -11,3 +11,7 @@ output.txt
 # Python bytecode/cache
 **/__pycache__/
 **/*.pyc
+
+# macOS
+.DS_Store
+**/.DS_Store
@@ -575,7 +575,7 @@ cd reporting/github-repo-permissions-report
 
 **Script:** `reporting/github-copilot-report/github-copilot-report.sh`
 
-Generates a GitHub Copilot Enterprise licence and usage report. Shows every licensed user, their plan type, pool credit contribution, and actual AI credit consumption for the current billing month. Optionally enriches data with Entra ID department information.
+Generates a GitHub Copilot Enterprise licence and usage report. Shows every licensed user, their plan type, pool credit contribution, and actual AI credit consumption for the current billing month, plus their effective AI credit budget (Individual override, else Universal) and how much of it has been consumed. Optionally enriches data with Entra ID department information.
 
 **Prerequisites:**
 - **[curl](https://curl.se)** — HTTP client
@@ -606,6 +606,7 @@ az login   # optional; needed only for Entra ID department enrichment
 ./github-copilot-report.sh -e YOUR-ENTERPRISE
 ./github-copilot-report.sh -e YOUR-ENTERPRISE -d example.com
 ./github-copilot-report.sh -e YOUR-ENTERPRISE --no-entra
+./github-copilot-report.sh -e YOUR-ENTERPRISE --no-budgets
 ./github-copilot-report.sh -e YOUR-ENTERPRISE --credits 1900 --output report.csv
 ```
 
@@ -618,10 +619,12 @@ az login   # optional; needed only for Entra ID department enrichment
 | `--credits N` | Override credits-per-seat value (or `$CREDITS_PER_SEAT_OVERRIDE`) | Auto-detected |
 | `--output FILE` | Output CSV filename | `copilot-report-YYYYMMDD.csv` |
 | `--no-entra` | Skip Entra ID department lookup | — |
+| `--no-budgets` | Skip per-user AI credit budget lookup (Universal/Individual) | — |
 
 **What it does:**
 - Fetches all Copilot seats across the enterprise (deduplicated by user)
 - Fetches per-user AI credit consumption for the current billing month
+- Fetches enterprise-level AI credit budgets (Universal and Individual overrides) and each user's consumed amount against them
 - Fetches enterprise-level model usage metrics (last 28 days)
 - Optionally enriches each user with Entra ID department and job title via `az rest`
 - Outputs a CSV and a formatted console summary with department breakdown and model usage tables
@@ -630,7 +633,7 @@ az login   # optional; needed only for Entra ID department enrichment
 > Requires a PAT with `read:enterprise` and `manage_billing:enterprise` scopes — the built-in `GITHUB_TOKEN` cannot grant enterprise-level access. Set `GITHUB_TOKEN` before executing (or have an active `gh` auth session with those scopes so the lib can auto-resolve the token).
 
 > [!NOTE]
-> The Entra ID enrichment is skipped automatically if `az` is not logged in, or can be disabled with `--no-entra`.
+> The Entra ID enrichment is skipped automatically if `az` is not logged in, or can be disabled with `--no-entra`. Budget lookups require the token owner to be an enterprise admin or billing manager, and can be disabled with `--no-budgets`.
 
 ---
 
 
@@ -27,6 +27,10 @@ inputs:
     description: 'Skip Entra ID department lookup'
     required: false
     default: 'false'
+  no-budgets:
+    description: 'Skip per-user AI credit budget lookup (Universal/Individual)'
+    required: false
+    default: 'false'
 runs:
   using: composite
   steps:
@@ -42,4 +46,5 @@ runs:
         ARGS=()
         [[ -n "${{ inputs.output }}" ]]   && ARGS+=(--output "${{ inputs.output }}")
         [[ "${{ inputs.no-entra }}" == "true" ]] && ARGS+=(--no-entra)
+        [[ "${{ inputs.no-budgets }}" == "true" ]] && ARGS+=(--no-budgets)
         "${{ github.action_path }}/github-copilot-report.sh" "${ARGS[@]}"
@@ -18,6 +18,8 @@
 #   • Every user with a Copilot seat, their plan type, and their pool contribution
 #     (credits per assigned seat — credits are pooled at the enterprise level)
 #   • Actual per-user AI credit consumption this month (from billing API)
+#   • Each user's effective AI credit budget (Individual override, else Universal)
+#     and how much of it has been consumed (from the Budgets API)
 #   • Users grouped by Entra ID department
 #   • Enterprise-level model usage breakdown
 #
@@ -30,6 +32,19 @@
 #
 # Requires API version 2026-03-10 and the new Copilot usage metrics endpoints.
 # The legacy /copilot/metrics and /copilot/usage endpoints were closed Apr 2, 2026.
+#
+# User-level AI credit budgets (GitHub Budgets API, enterprise-scoped):
+#   GET /enterprises/{enterprise}/settings/billing/budgets
+#   GET /enterprises/{enterprise}/settings/billing/budgets/{budget_id}/user-states
+#   Universal budget  (budget_scope=multi_user_customer) applies to every user
+#                      unless overridden.
+#   Individual budget (budget_scope=user) overrides the Universal budget for
+#                      one specific user.
+#   Both are configured via Enterprise → Policies → Copilot → Budgets → Users.
+#   The user-states endpoint returns each user's effective target/consumed
+#   amount plus an override_budget_id when an Individual budget applies.
+#   Requires the token owner to be an enterprise admin or billing manager.
+#   Use --no-budgets to skip.
 # =============================================================================
 
 set -euo pipefail
@@ -47,6 +62,7 @@ ENTRA_TENANT="${ENTRA_TENANT:-}"
 CREDITS_PER_SEAT_OVERRIDE="${CREDITS_PER_SEAT_OVERRIDE:-}"
 OUTPUT_CSV="copilot-report-$(date +%Y%m%d).csv"
 NO_ENTRA=false
+NO_BUDGETS=false
 GRAPH_TOKEN=""
 ENTRA_ENABLED=false
 
@@ -113,6 +129,7 @@ Options:
                          Use if your portal shows a different pool size than expected
       --output FILE      Output CSV (default: copilot-report-YYYYMMDD.csv)
       --no-entra         Skip Entra ID department lookup
+      --no-budgets       Skip per-user AI credit budget lookup (Universal/Individual)
   -h, --help             Show this message
 
 Required GITHUB_TOKEN scopes:
@@ -133,6 +150,7 @@ while [[ $# -gt 0 ]]; do
         --credits)        CREDITS_PER_SEAT_OVERRIDE="$2";  shift 2 ;;
         --output)         OUTPUT_CSV="$2";                 shift 2 ;;
         --no-entra)       NO_ENTRA=true;                   shift   ;;
+        --no-budgets)     NO_BUDGETS=true;                 shift   ;;
         -h|--help)        usage; exit 0                             ;;
         *) echo "Unknown option: $1" >&2; usage >&2; exit 1 ;;
     esac
@@ -368,6 +386,82 @@ else
         print_warning "Failed users:${_billing_fail_statuses}"
 fi
 
+# ── Fetch enterprise AI credit budgets (Budgets API: Universal / Individual) ─
+# Two calls total (each paginated), not one per user:
+#   1. GET /enterprises/{enterprise}/settings/billing/budgets — locates the
+#      Universal (multi_user_customer) budget and any direct Individual
+#      (user-scope) budgets.
+#   2. GET .../budgets/{universal_id}/user-states — per-user consumed/target
+#      amounts against the Universal budget; override_budget_id marks users
+#      who have an Individual override.
+declare -A USER_BUDGET_SCOPE=()    # "Individual" | "Universal" | "None"
+declare -A USER_BUDGET_AMOUNT=()   # USD
+declare -A USER_BUDGET_USED=()     # USD
+
+if [[ "$NO_BUDGETS" == "true" ]]; then
+    print_warning "AI credit budget lookup disabled (--no-budgets)."
+else
+    print_status "Fetching enterprise AI credit budgets (Universal / Individual)..."
+
+    _all_budgets="[]"
+    _page=1
+    while :; do
+        _bresp=$(gh_api "/enterprises/${GITHUB_ENTERPRISE}/settings/billing/budgets?per_page=100&page=${_page}" --api-version 2026-03-10) || _bresp=""
+        [[ "${_bresp}" == "__404__" || "${_bresp}" == "__422__" || -z "$_bresp" ]] && break
+        _all_budgets=$(jq -cn --argjson a "$_all_budgets" --argjson b "$(echo "$_bresp" | jq -c '.budgets // []')" '$a + $b')
+        [[ "$(echo "$_bresp" | jq -r '.has_next_page // false')" == "true" ]] || break
+        _page=$(( _page + 1 ))
+    done
+
+    _ai_budgets=$(echo "$_all_budgets" | jq -c '[.[] | select(.budget_product_sku=="ai_credits")]')
+
+    # Direct Individual (user-scope) budgets — covers the case where no Universal budget exists.
+    while IFS=$'\t' read -r _u _amt _used; do
+        [[ -z "$_u" ]] && continue
+        USER_BUDGET_SCOPE["$_u"]="Individual"
+        USER_BUDGET_AMOUNT["$_u"]="$_amt"
+        USER_BUDGET_USED["$_u"]="$_used"
+    done < <(echo "$_ai_budgets" | jq -r '.[] | select(.budget_scope=="user") | [.user, .budget_amount, (.effective_budget.consumed_amount // .consumed_amount // 0)] | @tsv')
+
+    _universal_id=$(echo "$_ai_budgets" | jq -r '[.[] | select(.budget_scope=="multi_user_customer")][0].id // empty')
+    _universal_amount=$(echo "$_ai_budgets" | jq -r '[.[] | select(.budget_scope=="multi_user_customer")][0].budget_amount // empty')
+
+    if [[ -n "$_universal_id" ]]; then
+        _page=1
+        while :; do
+            _sresp=$(gh_api "/enterprises/${GITHUB_ENTERPRISE}/settings/billing/budgets/${_universal_id}/user-states?per_page=100&page=${_page}" --api-version 2026-03-10) || _sresp=""
+            [[ "${_sresp}" == "__404__" || "${_sresp}" == "__422__" || -z "$_sresp" ]] && break
+            while IFS=$'\t' read -r _u _consumed _target _override; do
+                [[ -z "$_u" ]] && continue
+                if [[ -n "$_override" && "$_override" != "null" ]]; then
+                    USER_BUDGET_SCOPE["$_u"]="Individual"
+                else
+                    USER_BUDGET_SCOPE["$_u"]="Universal"
+                fi
+                USER_BUDGET_AMOUNT["$_u"]="$_target"
+                USER_BUDGET_USED["$_u"]="$_consumed"
+            done < <(echo "$_sresp" | jq -r '.user_states[]? | [.user, .consumed_amount, .target_amount, (.override_budget_id // "")] | @tsv')
+            [[ "$(echo "$_sresp" | jq -r '.has_next_page // false')" == "true" ]] || break
+            _page=$(( _page + 1 ))
+        done
+
+        # Licensed users covered by the Universal budget but absent from user-states (no usage yet)
+        while IFS= read -r _login; do
+            [[ -z "$_login" ]] && continue
+            [[ -n "${USER_BUDGET_SCOPE[$_login]+_}" ]] && continue
+            USER_BUDGET_SCOPE["$_login"]="Universal"
+            USER_BUDGET_AMOUNT["$_login"]="$_universal_amount"
+            USER_BUDGET_USED["$_login"]="0"
+        done <<< "$_ALL_LOGINS"
+    fi
+
+    if [[ "${#USER_BUDGET_SCOPE[@]}" -gt 0 ]]; then
+        print_status "Loaded budget data for ${#USER_BUDGET_SCOPE[@]} user(s)."
+    else
+        print_warning "No enterprise AI credit budgets are configured (Enterprise → Policies → Copilot → Budgets), or the token lacks enterprise admin/billing manager access."
+    fi
+fi
+
 # Build sorted list of all model names seen across all users
 ALL_MODELS=()
 while IFS= read -r _m; do
@@ -400,7 +494,7 @@ fi
 # ── Write CSV header ──────────────────────────────────────────────────────────
 _model_header_cols=$(printf ',"Credits: %s"' "${ALL_MODELS[@]}")
 printf '%s\n' \
-    "GitHub Login,Display Name,Email / UPN,Organisation,Plan Type,Pool Contribution (Credits/Seat),AI Credits Used (Month)${_model_header_cols},Department,Job Title,Last Active,Last Editor" \
+    "GitHub Login,Display Name,Email / UPN,Organisation,Plan Type,Pool Contribution (Credits/Seat),AI Credits Used (Month),Budget Scope,Budget Limit (USD),Budget Used (USD),Budget Remaining (USD)${_model_header_cols},Department,Job Title,Last Active,Last Editor" \
     > "$OUTPUT_CSV"
 
 # ── Per-department counters ───────────────────────────────────────────────────
@@ -423,6 +517,13 @@ while IFS= read -r seat; do
     credits=$(plan_credits "$plan")
     credits_used="${USER_CREDITS_USED[$login]:-}"
 
+    budget_scope="${USER_BUDGET_SCOPE[$login]:-None}"
+    budget_amount="${USER_BUDGET_AMOUNT[$login]:-}"
+    budget_used="${USER_BUDGET_USED[$login]:-}"
+    budget_remaining=""
+    [[ "$budget_scope" != "None" ]] && \
+        budget_remaining=$(awk -v a="${budget_amount:-0}" -v u="${budget_used:-0}" 'BEGIN{printf "%.2f", a-u}')
+
     # Prefer email; fall back to UPN derived from login + --upn-domain
     if [[ -n "$email" ]]; then
         lookup="$email"
@@ -439,14 +540,18 @@ while IFS= read -r seat; do
     [[ -z "$disp" ]] && disp="$gh_name"
 
     # Append to CSV — double-quote all fields, escape embedded quotes
-    printf '"%s","%s","%s","%s","%s","%s","%s"' \
+    printf '"%s","%s","%s","%s","%s","%s","%s","%s","%s","%s","%s"' \
         "${login//\"/\"\"}" \
         "${disp//\"/\"\"}" \
         "${lookup//\"/\"\"}" \
         "${org//\"/\"\"}" \
         "${plan//\"/\"\"}" \
         "$credits" \
         "${credits_used}" \
+        "${budget_scope}" \
+        "${budget_amount}" \
+        "${budget_used}" \
+        "${budget_remaining}" \
         >> "$OUTPUT_CSV"
     # Per-model credit columns (0 if user had no usage on that model)
     for _m in "${ALL_MODELS[@]}"; do
 
@@ -486,6 +486,12 @@ _run_script() {
   [ "$status" -eq 0 ]
 }
 
+@test "github-copilot-report: --no-budgets is recognised (fails at token check)" {
+  _run_script "${REPO_ROOT}/reporting/github-copilot-report/github-copilot-report.sh" "unset GITHUB_TOKEN;" "--no-budgets"
+  [ "$status" -eq 1 ]
+  [[ "$output" != *"Unknown option"* ]]
+}
+
 # ═══════════════════════════════════════════════════════════════════════════════
 # personal/github-organize-stars
 # ═══════════════════════════════════════════════════════════════════════════════