Verified pricing analysis
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 consumer AI chat. Microsoft does not publish an exact daily message allowance. | 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 the highest individual Copilot usage level. | Heavy individual Copilot use |
| Microsoft 365 Copilot Business | $25.20/user/month or $18/user/month annual promoAnnual option: $18/month equivalent | Copilot add-on for an eligible Microsoft 365 Business plan. The $18 annual rate applies to the first year through September 30, 2026; regular annual rate is $21. | Businesses that already have eligible Microsoft 365 licenses |
| Microsoft 365 Copilot Enterprise add-on | $31.50/user/month or $30/user/month paid yearlyAnnual option: $30/month equivalent | Enterprise Copilot add-on for a qualifying Microsoft 365 subscription. | Enterprises adding Copilot to Microsoft 365 |
| Microsoft 365 Business Standard with Copilot | $28.20/user/month or $23.50/user/month annualAnnual 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 or $32/user/month annualAnnual 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
Individual 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: pay-as-you-go is $0.01 per Copilot Credit, while a prepaid pack is $200 for 25,000 Copilot Credits.
Price History
The Microsoft 365 Copilot Business add-on is $18 per user per month on an annual commitment through September 30, 2026 for the first year; Microsoft lists $21 as the regular annual rate.
Price Trend by Plan
No independently verified price history is available yet.
Pricing Calculator
See what you'll actually pay using the verified public prices above.
Subscription vs API
Consumer and Microsoft 365 Copilot subscriptions are separate from Copilot Studio metered agents and Azure AI usage. Copilot Studio lists $0.01 per pay-as-you-go Copilot Credit or $200 for a prepaid 25,000-credit pack.
Pros & Cons
Pros
- Deep Microsoft 365 app integration
- Individual and business options
- Business plans include enterprise data protection
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