How are teams linking Terraform plan changes to pre-apply commercial/cost approval?

I’m studying the governance workflow around Terraform changes.

For teams using Terraform in production, when a plan proposes infrastructure changes with a material recurring cost consequence, how is that cost consequence handled before “apply”?

I’m interested in patterns such as:

- IaC cost estimation in PRs,

- policy/approval thresholds,

- budget checks,

- recording assumptions,

- mapping a change back to an approved project/product budget,

- and later comparing forecast cost with actual billing.

Is this normally part of the Terraform workflow, handled separately by FinOps/finance, or largely left to engineering judgement?

If you have an example of a workflow that works particularly well, I’d appreciate the detail.