Pricing Plans (2026)
Free Free
Free
- GPT-powered chat via Bing and Edge
- Document summarization and content generation
- Limited image boosts (Microsoft Designer)
- Lower priority during peak hours
- No Microsoft 365 desktop app integration
Copilot Pro Popular
$20/month
- Priority access to latest AI models
- 100 image boosts per day
- Integration with Word, Excel, PowerPoint, Outlook (web + desktop)
- Requires Microsoft 365 Personal or Family subscription
- Faster responses at peak hours
Microsoft 365 Personal (with Copilot)
$9.99/month
- Microsoft 365 apps (web and mobile)
- 1 TB OneDrive storage
- Copilot in Word, Excel, PowerPoint, Outlook, OneNote
- Microsoft Defender security
- For 1 user
Microsoft 365 Premium
$19.99/month
- Full Microsoft 365 suite (desktop + web + mobile) for up to 6 people
- Advanced Copilot AI features
- Advanced security with Microsoft Defender
- 1 TB OneDrive per person
- Microsoft Teams with all-day video calling
Microsoft 365 Copilot Business
$18/user/month
- Copilot in Word, Excel, PowerPoint, Outlook, Teams
- Organizational data grounding via Microsoft Graph
- Up to 300 users
- Annual commitment required
- Promotional pricing (was $21/user/month) valid through June 30, 2026
- Requires Microsoft 365 Business Standard or higher base license
Microsoft 365 Copilot Enterprise
$30/user/month
- Full enterprise AI across all M365 services
- GDPR, HIPAA, ISO 27001 compliance support
- Priority compute
- Broader qualifying base licenses (E3/E5)
- Organization-wide AI features and audit logs
- Requires Microsoft 365 E3 ($36/user/mo) or E5 ($57/user/mo) base license
Special Perks & Discounts
- 30-day free trial for Microsoft 365 Personal/Family (includes Copilot)
- Up to 3 months free Copilot access for qualifying students
- 15% discount for Cloud Solution Provider (CSP) partners
- Copilot Chat included at no extra cost for eligible Microsoft 365 subscribers
- Copilot Studio free 30-day trial with school or work email
Verdict
Solid free tier, but real power is paywalled. Microsoft Copilot offers genuine value at every level, but unlocking deep Microsoft 365 app integration requires stacking a base M365 subscription on top of the Copilot add-on, making true business use meaningfully more expensive than the headline price suggests.
Related AI Assistants
Microsoft Copilot — Frequently asked
Does Microsoft Copilot have a free tier?
Yes — Microsoft Copilot offers a free tier you can use without paying.
How much does Microsoft Copilot cost?
Microsoft Copilot paid plans start at $9.99/month — see the full breakdown above.
Are there discounts or perks for Microsoft Copilot?
30-day free trial for Microsoft 365 Personal/Family (includes Copilot)
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