AI tools / Microsoft 365 Copilot pricing Verified 4 Nov 2026, 12:00 UTC Source microsoft.com/copilot/pricing
Microsoft 365 Copilot · what it costsby Microsoft
$25.20 / seat / monthMicrosoft 365 Copilot Business add-on · billed monthly
Microsoft 365 Copilot Business costs $21 per user a month on an annual plan, or $25.20 per user billed monthly, on top of an eligible Microsoft 365 Business plan. The enterprise Copilot add-on is $30 per user a month, paid yearly. For individuals, Copilot comes with Microsoft 365 Personal ($9.99), Family ($12.99), Premium ($19.99) and Pro ($99.99) a month, and a limited free version.
Cheapest paid$8.33/moMicrosoft 365 Personal, billed yearly ($99.96)
Top tier$99.99/moMicrosoft 365 Pro
Every plan, side by side
10 plans · prices in USD, before tax| Plan | Monthly | Yearly (per month) | Usage | Seats | Best for |
|---|---|---|---|---|---|
| Copilot Free | $0 | — | Limited | 1 | Trying it out |
| Microsoft 365 Personal$99.99 billed yearly | $9.99 | $8.33 | Higher than free | 1 | One person using Office apps |
| Microsoft 365 Family$129.99 billed yearly | $12.99 | $10.83 | Higher than free | 1–6 | Households sharing Office apps |
| Microsoft 365 Premium$199.99 billed yearly. AI for the subscription owner only | $19.99 | $16.67 | Extensive | 1–6 | Heavy personal AI use |
| Microsoft 365 ProMonthly billing only | $99.99 | — | Highest | 1–6 | Power users |
| Copilot Chat (work)Included at no extra cost with eligible Microsoft 365 work subscriptions | $0 /seat | — | Limited | 1–any | Organisations already on Microsoft 365 |
| Business add-onNeeds an eligible Microsoft 365 Business plan. $21 is the annual-commitment price; a promotion shows $18 for the first year on annual plans bought July 1 to December 31, 2026. | $25.20 /seat | $21 /seat | Advanced AI billed by usage | 1–any | Small and mid-size businesses |
| Business Standard with Copilot$23.50 per user a month with annual commitment | $28.20 /seat | $23.50 /seat | Advanced AI billed by usage | 1–any | Businesses new to Microsoft 365 |
| Business Premium with Copilot$32 per user a month with annual commitment | $38.40 /seat | $32 /seat | Advanced AI billed by usage | 1–any | Businesses that need advanced security |
| Enterprise add-on$30 per user a month, paid yearly. Needs a qualifying Microsoft 365 enterprise plan. A monthly-billing option is offered, but its price is not shown on the page. | — | $30 /seat | Advanced AI billed by usage | 1–any | Large organisations |
Usage limitsOfficial
How much you actually get
Copilot FreeLimited free version, subject to available capacity and limits
Microsoft 365 PersonalIncludes AI credits and feature limits; when credits run out a feature may be unavailable until the allowance resets
Microsoft 365 FamilyIncludes AI credits and feature limits; Copilot is for the subscription owner only and can't be shared
Microsoft 365 PremiumHigher AI limits than Personal and Family; Copilot is for the subscription owner only
Microsoft 365 ProHighest AI limits of the individual plans
Business add-onCopilot Cowork, Code, Autopilot and Work IQ APIs are billed by usage with Copilot Credits
Official limits from the vendor's own pages.
Cost calculatorPick a plan to see its price and what it includes
What will you pay, and what do you get?
Plan
Billing
$21
per month · $252 per year · billed yearly
Saving $50.40 a year
What you get on Microsoft 365 Copilot Business add-on
Small and mid-size businesses
Needs an eligible Microsoft 365 Business plan. $21 is the annual-commitment price; a promotion shows $18 for the first year on annual plans bought July 1 to December 31, 2026.
Everything in Copilot Chat (work), plus:
- Copilot in Word, Excel, PowerPoint, Outlook and Teams
- AI chat grounded in your work data
- Choice of AI model
- Pre-built Researcher and Analyst agents
- Cowork, Autopilot and other advanced AI, billed by usage
- Adoption and usage analytics
UsageAdvanced AI billed by usage
Official limitCopilot Cowork, Code, Autopilot and Work IQ APIs are billed by usage with Copilot Credits
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Microsoft 365 Copilot against the closest alternatives
Microsoft 365 Copilot $9.99 Microsoft 365 Personal · Includes AI credits and feature limits; when credits run out a feature may be unavailable until the allowance resetsAdobe Firefly $9.99 Firefly Standard · 2,000 generative credits a monthMidjourney $10 Basic · 3.3 Fast GPU hours (200 minutes) a month; no Relax modeKling AI $8.80 Standard
Price changes · Microsoft 365 CopilotNewest first
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Prices from microsoft.com/copilot/pricing How we collect prices Some links are affiliate links; they never change the prices or the order shown. Disclosure