Your everyday AI companion for work and creativity within the Microsoft ecosystem.
Word, Excel, PowerPoint, and Outlook get AI assistance in the app itself with no separate tab or copy pasting required.
A capable, no cost chat assistant at copilot.microsoft.com and inside Windows and Edge, with no Microsoft 365 subscription required to use it.
The paid business tier connects Copilot to your organization's actual emails, files, and Teams chats through Microsoft Graph and Work IQ.
Higher tiers include agents like Researcher and Analyst that produce source cited reports and data visualizations instead of single conversational answers.
A separate, credit based product for building and publishing fully custom AI agents to external channels like websites or apps.
Perfect for those who already work inside Word, Excel, Outlook, and Teams and want AI features deeply integrated into their ongoing projects.
Streamlines multi application steps and summarizes long corporate communications natively.
Speeds up data parsing, slide creation, and report drafting without forcing a context switch to external web tools.
Web chat at copilot.microsoft.com, Windows and Edge integration, Designer image generation with limited daily boosts
Copilot in Word, Excel, PowerPoint, Outlook, and OneNote; usage limits scale by tier; Premium adds AI agents for research reports and visualization
Web grounded AI chat included with eligible plans, paid add ons for Work IQ grounded data connections, research agents, and model choices
Deeper Enterprise Data Protection, role based agents, and a standalone custom agent builder billed by consumption credits
Free Plan: General chat at copilot.microsoft.com, plus integration in Windows and Edge, with image generation limited to a set number of daily boosts. No Microsoft 365 subscription required.
Microsoft 365 Personal — $9.99/month or $99.99/year: Copilot inside Word, Excel, PowerPoint, Outlook, and OneNote for one person, with higher usage limits than the free tier and 1TB of storage.
Microsoft 365 Family — $12.99/month or $129.99/year: The same Copilot access, extended to up to 6 people and 6TB of shared storage — though AI features remain usable only by the subscription owner, not shared across the family.
Microsoft 365 Premium — $19.99/month or $199.99/year: Adds AI agents for source-cited research reports and data analysis with visualization, plus extensive usage limits and exclusive advanced features. This is the plan that replaced the retired Copilot Pro for individuals.
Microsoft 365 Copilot Business (add-on) — $18/user/month annual (promotional, through September 30, 2026) or $25.20/user/month billed monthly: Requires an existing qualifying Microsoft 365 Business plan. Adds Work IQ-grounded chat connected to your organization's data, research and analysis agents, and model choice.
Bundled Business Plans: Microsoft 365 Business Standard with Copilot starts at $23.50/user/month annual; Business Premium with Copilot starts at $32/user/month annual — often cheaper than buying the base plan and the Copilot add-on separately.
Enterprise: Roughly $30/user/month annual, as an add-on to a qualifying Microsoft 365 E3 or E5 enterprise license.
Copilot Studio: $200/month per 25,000 Copilot Credits for building and publishing custom agents, or pay-as-you-go through Azure at $0.01 per credit.
Annual vs. Monthly: Business tiers show a meaningful discount for annual billing — $18 versus $25.20/user/month for the Copilot Business add-on alone. Personal plans offer a smaller but real annual discount as well.
If You Cancel: Subscriptions can be cancelled anytime through the Microsoft 365 admin center or account settings. Microsoft's own terms note that certain subscriptions may carry a cancellation fee, and that all subscription-associated data is deleted once a subscription is cancelled.
⚠️ Worth knowing: there's no free trial for the business tier of Microsoft 365 Copilot. The free alternative is Copilot Chat — a lighter, web-grounded version that doesn't access your organization's files or emails, so it's a genuinely different experience from the paid version.
⚠️ Also worth knowing: Copilot Pro is gone. The old standalone $20/month individual plan was retired in late 2025; new individual buyers now land on Microsoft 365 Premium instead.
Prices last verified July 2026 against microsoft.com.
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