Pricing

Microsoft Copilot Pricing

Quick answer

Microsoft Copilot has a free chat path, but the Microsoft 365 app experience depends on the plan and account type. Individuals can get Copilot inside Microsoft 365 through Personal, Family, or Premium plans, with Premium listed at $19.99/month or $199.99/year on Microsoft's individual pricing page. Business customers currently see Microsoft 365 Copilot Business listed from $18/user/month paid yearly, while enterprise Microsoft 365 Copilot is listed at $30/user/month paid yearly and requires a qualifying Microsoft 365 license. Before buying, verify whether your region, base Microsoft 365 plan, billing term, AI usage limits, and app availability match the workflow you want.

Verified May 2026 · Always confirm pricing at checkout — plans and prices can change.

Starting price

Free chat / Premium from $19.99/mo

Microsoft lists separate monthly and yearly pricing for some personal plans and yearly paid pricing for business and enterprise Copilot plans; verify the live checkout route for your market.

Free plan

Yes

Copilot Chat is available at no additional cost for eligible Microsoft 365 work users, while public Copilot chat is available separately.

Free trial

1-month trial shown for Microsoft 365 personal plans; no trial shown for Microsoft 365 Copilot Enterprise

Try before you pay

Note: Microsoft Copilot pricing is split across consumer, business, and enterprise pages, so plan names and included Copilot access can change by audience and market. Always verify the live Microsoft pricing page before making a purchase or recommending a plan to a team.

Plans & pricing

Plan details based on publicly available information. Verify current pricing at checkout.

Microsoft 365 Copilot Chat

People and teams who want a no-extra-cost Copilot chat experience before paying for deeper Microsoft 365 app integration.

Best for: Testing Copilot-style chat, web-grounded answers, and light workplace AI assistance before buying a paid Copilot license.

Included

included with eligible Microsoft 365 work account or public Copilot chat access

· Chat-based Copilot experience for general AI assistance
· Web-grounded answers for supported work scenarios
· Access through Microsoft account or eligible work account depending on context
· A low-risk way to test whether Copilot fits daily Microsoft workflows

– Does not unlock the full paid Copilot experience across Teams and Microsoft 365 apps.
– Work account access can depend on an eligible Microsoft 365 subscription and organization settings.
– Custom agents or advanced agent usage may require Azure or metered Copilot Studio capacity.
– Feature availability can vary by region, license, tenant, and admin policy.

Use this as the evaluation path, not as a direct replacement for the paid Microsoft 365 Copilot license.

Microsoft 365 Personal

Individuals who mainly want Microsoft 365 apps with Copilot access for one account.

Best for: Solo personal productivity in Word, Excel, PowerPoint, Outlook, OneNote, and related Microsoft apps.

$9.99/month or $99.99/year

monthly or annual personal subscription

· Microsoft 365 apps for one person
· Copilot in supported Microsoft 365 apps for the account holder
· Higher usage than the free Copilot experience for selected AI features
· 1 TB of OneDrive cloud storage
· Use across supported PCs, Macs, phones, and tablets

– Designed for one person, not a business team or shared workplace account.
– Copilot AI features are tied to the subscription owner and may have usage limits.
– App availability and Copilot behavior can vary by device, language, market, and platform.
– Not the right license for enterprise controls, Teams meetings, or organizational data workflows.

This is a Microsoft 365 consumer plan with Copilot included, not the same as Microsoft 365 Copilot for business or enterprise.

Recommended

Microsoft 365 Premium

Individuals who want the highest consumer Copilot usage level inside Microsoft 365 and related creative tools.

Best for: Heavy personal use of Copilot in Microsoft apps, AI-assisted research, analysis, image creation, and premium Microsoft 365 features.

$19.99/month or $199.99/year

monthly or annual personal subscription

· Everything in Microsoft 365 Family plus expanded Copilot usage
· AI agents for research reports and data analysis workflows
· Highest usage tier shown for selected Microsoft Copilot features
· Expanded AI image creation and editing in Microsoft Designer, Photos, and Copilot chat
· Microsoft 365 apps, cloud storage, security, and creative tools bundled together

– AI features in family-style plans are for the subscription owner and are not shared with every household member.
– Consumer plans are not designed for workplace administration, tenant-level controls, or team governance.
– Some app features may be web-only, mobile-only, region-dependent, or subject to usage limits.
– The plan may overlap with ChatGPT, Gemini, or Claude if you only need general AI chat.

This plan is the clearest consumer upgrade path when the user wants Copilot in Microsoft 365 apps rather than only web chat.

Microsoft 365 Copilot Business

Small and midsize businesses that use Microsoft 365 and want Copilot for up to 300 users.

Best for: Teams that want Copilot inside Microsoft 365 workflows without moving to an enterprise licensing path.

$18/user/month paid yearly, promotional pricing shown

per user, paid yearly; separate qualifying Microsoft 365 license required

· Copilot experience for Microsoft 365 business workflows
· Access to Copilot in supported Microsoft 365 apps and services
· Business-focused plan path for organizations with up to 300 users
· Designed to pair with a qualifying Microsoft 365 business subscription

– A separate qualifying Microsoft 365 plan is required before Copilot can be added.
– The listed $18/user/month price is shown as promotional and paid yearly, so live checkout should be verified.
– The plan is limited to businesses with up to 300 users.
– Availability, Teams inclusion, monthly commitment options, and local market pricing can differ.

Microsoft's business pricing page shows an original $21/user/month price and a current $18/user/month paid-yearly promotional price.

Microsoft 365 Copilot

Enterprise and larger organizations that need Copilot across Microsoft 365 apps with governance, security, analytics, and work-data grounding.

Best for: Organizations that already run Microsoft 365 and want Copilot in Teams, Outlook, Word, PowerPoint, Excel, agents, and managed workplace workflows.

$30/user/month paid yearly

per user, paid yearly; annual subscription; qualifying Microsoft 365 license required

· Copilot access in supported Microsoft Teams and Microsoft 365 apps
· Work IQ and grounding across workplace data where supported
· Access to Microsoft pre-built agents and custom agent workflows
· Enterprise data protection, management, compliance, and controls
· Analytics to measure usage, adoption, and business impact

– A qualifying Microsoft 365 license is required in addition to the Copilot license.
– The $30/user/month price is paid yearly; monthly payment options can still require an annual commitment.
– Microsoft states there is no trial available for Microsoft 365 Copilot Enterprise.
– Rollout value depends heavily on data readiness, user training, admin controls, and adoption quality.

This is the main enterprise Microsoft 365 Copilot license, not the consumer Microsoft 365 Premium subscription.

Plan names, features, and pricing are based on publicly available information and may have changed. Always verify on the official pricing page.

Which plan should you choose?

Plan fit by user type — before checking out, verify these match the current plan details.

If you are…	Consider	Why
Casual Copilot user	Microsoft 365 Copilot Chat	Copilot Chat is the safest starting point if you only want to test Microsoft-style AI chat or occasional web-grounded answers. It is not enough if your main goal is Copilot inside Word, Excel, PowerPoint, Outlook, or Teams, so upgrade only after you confirm which app-level features you actually need.
Individual Microsoft 365 user	Microsoft 365 Personal	Microsoft 365 Personal makes sense when one person already wants the Office apps, OneDrive storage, and Copilot support in supported apps. It is not worth choosing for business collaboration, shared team workflows, or admin-managed Copilot rollout because those jobs belong to business and enterprise plans.
Heavy personal AI user	Microsoft 365 Premium	Microsoft 365 Premium fits individuals who want the highest consumer Copilot usage tier and extra AI features bundled with Microsoft 365. It may be too much if you only need a general chatbot, because ChatGPT, Claude, Gemini, or free Copilot chat may cover that simpler job for less friction.
Small business on Microsoft 365	Microsoft 365 Copilot Business	Microsoft 365 Copilot Business is the better fit for smaller organizations that already use Microsoft 365 and want Copilot in work apps without enterprise procurement. It is not enough if you have more than 300 users, require enterprise governance depth, or cannot commit to the current billing terms.
Enterprise Microsoft 365 team	Microsoft 365 Copilot	The enterprise Microsoft 365 Copilot license fits organizations that need Copilot across Microsoft 365 apps, Teams, workplace data, agents, governance, and analytics. It is expensive as a default add-on, so it is only worth scaling after a pilot proves adoption, data quality, and measurable workflow value.

Stack cost context

Microsoft Copilot is likely one part of a wider AI stack. The total monthly cost matters more than any single tool.

Microsoft Copilot can replace some general AI assistant spending if your team already lives inside Microsoft 365, but it may duplicate ChatGPT, Claude, or Gemini for general writing and reasoning. For business buyers, the real monthly cost is not just the Copilot add-on; it also includes the required Microsoft 365 base license, rollout time, admin setup, and user training.

Other tools in a typical stack

General AI assistants

e.g. ChatGPT, Claude, Gemini

Productivity suites

e.g. Microsoft 365, Google Workspace, Notion

Research and source checking

e.g. Perplexity, Google Search, NotebookLM

Workflow automation

e.g. Zapier, Make, Power Automate

What to verify before paying

Verify whether you need consumer Microsoft 365 Copilot, Copilot Business, or enterprise Microsoft 365 Copilot before comparing prices.
Verify that your current Microsoft 365 subscription qualifies before budgeting for a Copilot business or enterprise add-on.
Check whether the listed price is monthly, yearly, paid yearly, or an annual commitment billed monthly before approving seats.
Confirm which apps actually get Copilot in your region, device type, language, and license tier.
Check whether AI features are limited to the subscription owner, especially on Microsoft 365 Family and Premium plans.
Review tenant data, file permissions, SharePoint hygiene, and admin controls before rolling Copilot out to a team.
Compare Copilot against ChatGPT, Claude, and Gemini if your main use case is general writing or reasoning rather than Microsoft 365 app integration.
Run a small pilot before buying many business or enterprise seats, because adoption quality affects whether Copilot is worth the cost.

Pricing FAQ

Does Microsoft Copilot have a free plan?

Yes. Microsoft offers Copilot Chat as an included or no-extra-cost entry path in supported contexts, and public Copilot chat is available separately. The free path is best for testing chat-style AI assistance, but it does not equal the full paid Microsoft 365 Copilot experience across work apps, Teams, governance, and agents.

How much does Microsoft Copilot cost?

Microsoft Copilot pricing depends on the audience. Microsoft 365 Premium is listed at $19.99/month or $199.99/year for individuals. Microsoft 365 Copilot Business is currently shown from $18/user/month paid yearly as promotional pricing. Enterprise Microsoft 365 Copilot is listed at $30/user/month paid yearly, with a qualifying Microsoft 365 license required.

Is Microsoft Copilot worth it?

Microsoft Copilot is most worth it when you already work inside Microsoft 365 and want AI support inside Word, Excel, PowerPoint, Outlook, Teams, and work-data workflows. It is less compelling if you only need general AI chat, because free Copilot chat or separate assistants like ChatGPT, Claude, or Gemini may be enough.

Does Microsoft 365 Copilot have a free trial?

Microsoft shows a 1-month trial for several personal Microsoft 365 plans, including Premium, but the enterprise Microsoft 365 Copilot FAQ says there is no trial for Microsoft 365 Copilot. Treat trial availability as plan-specific and verify the exact checkout page for your account type and region before relying on it.

What is the difference between Copilot Chat and Microsoft 365 Copilot?

Copilot Chat is the lighter chat-based entry point. Microsoft 365 Copilot adds deeper access across supported Microsoft 365 apps, Teams, workplace data, agents, security controls, and analytics depending on the plan. If your workflow depends on app-level integration and organization data, the paid Microsoft 365 Copilot path is the one to evaluate.

Do I need a Microsoft 365 subscription for Copilot?

For business and enterprise Microsoft 365 Copilot, Microsoft states that a separate qualifying Microsoft 365 license is required. Consumer Microsoft 365 plans include Copilot in supported apps for the subscription owner. Always check license prerequisites before assuming the Copilot add-on price is the full cost.

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