Microsoft Copilot Pricing 2026
Complete pricing guide with plans, hidden costs, and negotiation tips
Microsoft Copilot pricing varies by team size and features, ranging from $0 to $20 per month in 2026. Your actual cost depends on the tier you choose, contract length, and negotiated discounts.
Use the interactive pricing calculator to estimate your exact cost based on team size and requirements.
- Free tier: Yes
- Billing: Monthly and annual (save 15-20%)
- Hidden costs: Add ~35% for implementation, support, and training
Microsoft Copilot offers 4 pricing tiers: Free, Copilot Pro, Microsoft 365 Personal (with Copilot), Microsoft 365 Premium. Standard paid plans include Free at $0/month, Copilot Pro at $20/month, Microsoft 365 Personal (with Copilot) at $9.99/month. The Copilot Pro plan is power users who need reliable peak-time access and extensive image generation.
Compared to other ai chatbots software, Microsoft Copilot is positioned at the budget-friendly price point.
Microsoft Copilot is Microsoft's AI-powered assistant built on OpenAI's GPT-4 Turbo technology. Originally launched as Bing Chat, Copilot has evolved into a comprehensive AI platform available across web, mobile, Windows, and Microsoft Edge browser. Unlike traditional chatbots, Copilot integrates AI-powered web search, DALL-E 3 image generation, and specialized GPTs for tasks like vacation planning, fitness coaching, and cooking assistance.
What sets Copilot apart is its deep integration with the Microsoft ecosystem. While the free version offers impressive capabilities including GPT-4 Turbo access during non-peak hours, paid tiers provide priority access, enhanced image generation limits, and seamless integration within Office applications like Word, Excel, PowerPoint, and Outlook.
In 2026, Microsoft restructured its Copilot offerings, discontinuing standalone Copilot Pro in favor of Microsoft 365 Premium, which bundles extensive Copilot features with the full Office suite. This makes Copilot particularly attractive for users already in the Microsoft ecosystem, while the robust free tier ensures anyone can access cutting-edge AI assistance without cost.
All Microsoft Copilot Plans & Pricing
| Plan | Monthly | Annual | Best For |
|---|---|---|---|
| Free imageBoosts: 15 per daypeakAccess: Limited GPT-4 Turbo access during peak hours | Free | Free 0 | Casual users exploring AI assistance without budget constraints |
| Copilot Pro | $20 /month | $240 /month | Power users who need reliable peak-time access and extensive image generation |
| Microsoft 365 Personal (with Copilot) sharing: AI features only available to subscription owner, cannot be shared | $9.99 /month | $99.99 /month | Individual users needing Office apps with enhanced Copilot access |
| Microsoft 365 Premium sharing: AI features only available to subscription owner, cannot be shared | $19.99 /month | $199.99 /month | Users wanting the full Microsoft 365 suite with maximum Copilot capabilities |
View all features by plan
Free
- GPT-4 Turbo access (non-peak hours)
- AI-powered web search
- Image generation with DALL-E 3
- 15 boosts per day for faster image creation
- Access to Copilot GPTs (Designer, Vacation Planner, Fitness Trainer, Cooking Assistant)
- Conversation history
- Content creation and summarization
- Available on web, mobile, Windows, and Edge browser
Copilot Pro
- Priority access to GPT-4 Turbo during peak times
- 100 boosts per day for image generation
- Faster AI responses
- Access to latest AI models first
- All features from Free tier
Microsoft 365 Personal (with Copilot)
- Higher usage than free for select Copilot features
- Office apps (Word, Excel, PowerPoint, OneNote, Outlook)
- 1TB OneDrive cloud storage
- Advanced security features
Microsoft 365 Premium
- Extensive usage for select Copilot features
- Advanced AI capabilities exclusive to Premium
- Copilot in Office apps (Word, Excel, PowerPoint, OneNote, Outlook)
- 1TB OneDrive cloud storage
- Premium Office apps
- Combines Copilot Pro features with Microsoft 365
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Frequently Asked Questions
01 How much does Microsoft Copilot cost?
Microsoft Copilot is free to use with basic features including GPT-4 Turbo access during non-peak hours and 15 daily image generation boosts. Copilot Pro costs $20/month for priority access and 100 daily boosts. Microsoft 365 Personal with Copilot starts at $9.99/month, while Microsoft 365 Premium (which includes extensive Copilot features) costs $19.99/month.
02 Is Microsoft Copilot free?
Yes, Microsoft Copilot offers a free tier that includes GPT-4 Turbo access (during non-peak hours), DALL-E 3 image generation with 15 daily boosts, AI-powered web search, and access to specialized Copilot GPTs. The free version is available on web, mobile, Windows, and Microsoft Edge browser without requiring a subscription.
03 What's included in Copilot Pro?
Copilot Pro ($20/month) includes priority access to GPT-4 Turbo during peak times, 100 daily boosts for faster image generation (vs 15 on free tier), accelerated AI response times, and early access to new AI models. However, it does not include Microsoft Office integration - that requires a Microsoft 365 subscription.
04 Is Copilot Pro worth it?
Copilot Pro is worth it if you frequently use Copilot during peak hours and need reliable access to GPT-4 Turbo, or if you generate many AI images daily. However, for most users, Microsoft 365 Premium ($19.99/month) offers better value as it includes Copilot Pro features plus Office apps integration. If you only use Copilot occasionally, the free tier is sufficient.
05 What's the difference between Copilot and Copilot Pro?
The main differences are: (1) Priority access - Pro users get guaranteed GPT-4 Turbo access during peak times while free users may be downgraded to older models, (2) Image generation - Pro offers 100 daily boosts vs 15 for free users, (3) Speed - Pro users receive faster AI responses during high-traffic periods. Both tiers access the same underlying GPT-4 Turbo model and core features.
06 How does Microsoft Copilot compare to ChatGPT?
Microsoft Copilot and ChatGPT are both powered by OpenAI's GPT models. Copilot excels at structured tasks, integrates with Microsoft's ecosystem, and includes built-in web search and free image generation. ChatGPT offers more flexibility for creative writing, coding, and open-ended conversations. Both free tiers are competitive - Copilot includes more image generation capabilities, while ChatGPT has stronger creative and technical discussion capabilities. For paid plans, both cost $20/month with similar features.
07 Do I need Microsoft 365 to use Copilot?
No, you can use Copilot for free without Microsoft 365 for web chat, search, and image generation. However, to use Copilot within Office apps (Word, Excel, PowerPoint, Outlook), you need a Microsoft 365 subscription. Microsoft 365 Personal starts at $9.99/month with enhanced Copilot features, or Microsoft 365 Premium at $19.99/month includes the most extensive Copilot capabilities.
08 What happened to standalone Copilot Pro?
As of 2026, Microsoft no longer sells Copilot Pro as a standalone product. It has been rolled into Microsoft 365 Premium ($19.99/month), which combines Office apps, 1TB OneDrive storage, and extensive Copilot features. Users who previously used standalone Copilot Pro ($20/month) can now get more value with Microsoft 365 Premium for essentially the same price.