Pricing review
Microsoft Copilot Pricing
Verified Microsoft Copilot pricing across individual and business Microsoft 365 plans.
Copilot built into Word, Excel, PowerPoint, Outlook, and Teams
Great At
- Chat
- Writing
- Research
- Productivity
Cost watchouts
- Plan lineup combines Microsoft 365 and Copilot costs
- Family AI benefits apply only to the subscription owner
- The $18 business annual rate is promotional
Best for people and organizations already working in Microsoft 365.
Current public plans
| Plan | Price | What you get | Best for |
|---|---|---|---|
| Copilot Free | $0 | Free Copilot tier; the paid individual plans publish higher Copilot usage than free. | Trying Microsoft Copilot chat |
| Microsoft 365 Personal | $9.99/month or $99.99/yearAnnual option: $99.99/year | One person, Microsoft 365 apps with Copilot, and 1 TB storage. | One person using Copilot inside Microsoft 365 |
| Microsoft 365 Family | $12.99/month or $129.99/yearAnnual option: $129.99/year | Up to six people, but AI benefits are for the subscription owner only. | Households sharing Microsoft 365 |
| Microsoft 365 Premium | $19.99/month or $199.99/yearAnnual option: $199.99/year | Up to six people, with extensive Copilot usage; AI benefits are for the subscription owner. | Heavy individual Copilot use |
| Microsoft 365 Pro | $99.99/month | Monthly billing only. Includes Microsoft 365 Premium with the highest individual Copilot usage tier. | Individuals needing the highest Copilot usage tier |
| Microsoft 365 Copilot Business | $25.20/user/month paid monthly, or promotional $18/user/month paid yearly; annual invoice total not publishedAnnual option: $18/month equivalent | Copilot add-on for existing Microsoft 365 customers with an eligible Business plan: $25.20/user/month paid monthly. A first-year promotion offers $18/user/month paid yearly from July 1-December 31, 2026; annual commitment required; not available on trials and cannot be combined with another offer. The page lists the original annual-billing rate as $21/user/month. | Businesses that already have eligible Microsoft 365 licenses |
| Microsoft 365 Copilot Enterprise add-on | $31.50/user/month, paid monthly, or $30/user/month, paid yearly; annual commitment in both casesAnnual option: $30/month equivalent | Requires a qualifying Microsoft 365 subscription. Both payment options require an annual commitment. | Enterprises adding Copilot to Microsoft 365 |
| Microsoft 365 Business Standard with Copilot | $28.20/user/month paid monthly, or $23.50/user/month paid yearly; annual invoice total not publishedAnnual option: $23.5/month equivalent | Microsoft 365 Business Standard with Copilot included, for up to 300 users. | Small businesses needing Office apps and Copilot |
| Microsoft 365 Business Premium with Copilot | $38.40/user/month paid monthly, or $32/user/month paid yearly; annual invoice total not publishedAnnual option: $32/month equivalent | Business Premium security and management with Copilot included, for up to 300 users. | Businesses needing Copilot plus advanced security |
How to read the total cost
- Billing and usageIndividual plans include Microsoft 365. Business bundles and the Copilot Business add-on use per-user pricing. The Copilot Business add-on also requires an eligible Microsoft 365 plan. Copilot Studio is separate: official pricing publishes prepaid packs of 25,000 Copilot Credits at $200/pack/month, plus pay-as-you-go billing whose unit rate is not stated on the captured page.
- Scope and verificationPrices depend on market and eligibility. Family/Premium AI privileges are owner-only. Business offers can be time-limited; annual commitment and monthly installment billing differ. These subscriptions do not include Azure API inference.
Price History
From July 1-December 31, 2026, existing Microsoft 365 customers with an eligible Business plan can get the Microsoft 365 Copilot Business add-on for $18/user/month, paid yearly, with an annual commitment. The promotion is for the first year only, is not available on trials, cannot be combined with another offer, and the page lists the original rate as $21/user/month.
Price Trend by Plan
No independently verified price history is available yet.
Pricing Calculator
One person, Microsoft 365 apps with Copilot, and 1 TB storage.
Extra monthly cost
Add a total for the whole stack, not a per-seat price. Use your own estimate or quote; this cost is not verified.
Projected from monthly payments, not an annual invoice.
Annual and quarterly billing show a monthly average. Extra costs and custom quotes are your estimate.
How this estimate works
Extra costs are your total estimate for the whole stack. Per-unit cost divides that total across the selected quantity; dedicated member and add-on pricing is not modelled.
Subscription vs API
Consumer and Microsoft 365 Copilot subscriptions are separate from Copilot Studio agent billing. Copilot Studio publishes prepaid 25,000-credit packs at $200/pack/month and a pay-as-you-go option; the captured page does not publish a pay-as-you-go unit price.
Pros & Cons
Pros
- Deep Microsoft 365 app integration
- Individual and business options
- Business plans publish Microsoft 365 app integration, work-data chat, and security controls
Cons
- Plan lineup combines Microsoft 365 and Copilot costs
- Family AI benefits apply only to the subscription owner
- The $18 business annual rate is promotional
Check the official plan before buying
Prices, allowances, and usage rules can change. Use the verified source above for checkout.
Visit Microsoft Copilot