Microsoft Copilot Pricing 2026
Complete pricing guide with plans, and cost analysis
Microsoft Copilot costs $1.99/month for Microsoft 365 Basic. Plans range from $1.99 to $25.20/month.
Are you Microsoft Copilot? Claim this profile
All Microsoft Copilot Plans & Pricing
| Plan | Monthly | Annual | Best For |
|---|---|---|---|
| Microsoft 365 Basic | $1.99 /month | — | Light users who need cloud storage and basic Office web apps at minimal cost |
| What's included at Microsoft 365 Basic Best for: Light users who need cloud storage and basic Office web apps at minimal cost
| |||
| Microsoft 365 Personal | $9.99 /month | — | Individual users who need desktop Office apps with enhanced Copilot access |
| What's included at Microsoft 365 Personal Best for: Individual users who need desktop Office apps with enhanced Copilot access
| |||
| Microsoft 365 Family | $12.99 /month | — | Households wanting Office apps and Copilot access for up to six people |
| What's included at Microsoft 365 Family Best for: Households wanting Office apps and Copilot access for up to six people
| |||
| Microsoft 365 Premium | $19.99 /month | — | Power users wanting maximum Copilot capabilities bundled with the full Office suite |
| What's included at Microsoft 365 Premium Best for: Power users wanting maximum Copilot capabilities bundled with the full Office suite
| |||
| Copilot Pro (add-on) | $20 /month | — | Users who want priority AI access layered on top of an existing Microsoft 365 subscription |
| What's included at Copilot Pro (add-on) Best for: Users who want priority AI access layered on top of an existing Microsoft 365 subscription
| |||
| Microsoft 365 Copilot Business (annual) | $18 /user/month | — | Businesses committing annually to AI-assisted productivity across Teams, Word, Excel, and Outlook |
| What's included at Microsoft 365 Copilot Business (annual) Best for: Businesses committing annually to AI-assisted productivity across Teams, Word, Excel, and Outlook
| |||
| Microsoft 365 Copilot Business (monthly) | $25.2 /user/month | — | Businesses wanting flexible month-to-month billing for AI-assisted productivity |
| What's included at Microsoft 365 Copilot Business (monthly) Best for: Businesses wanting flexible month-to-month billing for AI-assisted productivity
| |||
View all features by plan (compare side-by-side)
Microsoft 365 Basic
- Microsoft 365 web apps (Word, Excel, PowerPoint)
- 100 GB OneDrive cloud storage
- Basic Copilot AI access
- Outlook email and calendar
- Microsoft Defender security
Microsoft 365 Personal
- Full desktop Office apps (Word, Excel, PowerPoint, Outlook)
- 1 TB OneDrive cloud storage
- Enhanced Copilot features in Office apps
- Advanced security features
- For one person
Microsoft 365 Family
- Full desktop Office apps for up to 6 users
- 1 TB OneDrive per person (up to 6 TB total)
- Enhanced Copilot features in Office apps
- Advanced security features
- Family sharing controls
Microsoft 365 Premium
- Full desktop Office apps with extensive Copilot integration
- 1 TB OneDrive cloud storage
- Copilot in Word, Excel, PowerPoint, and Outlook
- Advanced AI features exclusive to Premium
- Premium security and device management
Copilot Pro (add-on)
- Priority access to latest AI models during peak hours
- 100 image generation boosts per day
- Faster AI responses
- Early access to new Copilot features
- Add-on to existing Microsoft 365 subscription
Microsoft 365 Copilot Business (annual)
- Copilot in Microsoft 365 apps (Word, Excel, PowerPoint, Outlook, Teams)
- AI-powered meeting summaries and action items in Teams
- Enterprise data security and compliance
- Billed annually (promotional rate through September 2026)
- Requires qualifying Microsoft 365 subscription
Microsoft 365 Copilot Business (monthly)
- Copilot in Microsoft 365 apps (Word, Excel, PowerPoint, Outlook, Teams)
- AI-powered meeting summaries and action items in Teams
- Enterprise data security and compliance
- No annual commitment required
- Requires qualifying Microsoft 365 subscription
What does Microsoft Copilot actually cost you?
Drag the slider. Pick a tier. Watch your projected spend update live.
List price by tier (annualized, per seat)
Per-seat list price across Microsoft Copilot's plans, annualized. Custom-priced tiers show a hatched bar.
Buyers actually pay a median of $417/yr for Microsoft Copilot contracts (Vendr deal flow, n=61). That's a contract total — the more seats, the more leverage to negotiate down.
Microsoft Copilot costs $1.99 to $25.20 per month as of June 2026, with 7 plans available. Plans: Microsoft 365 Basic at $1.99/month, Microsoft 365 Personal at $9.99/month, Microsoft 365 Family at $12.99/month, Microsoft 365 Premium at $19.99/month, Copilot Pro (add-on) at $20/month, Microsoft 365 Copilot Business (annual) at $18/month, and Microsoft 365 Copilot Business (monthly) at $25.2/month. The median contract is $417/year based on 61 verified purchases.
Use the interactive pricing calculator to estimate your exact cost based on team size and requirements.
- Free tier: No free tier available
Microsoft Copilot offers 7 pricing tiers: Microsoft 365 Basic, Microsoft 365 Personal, Microsoft 365 Family, Microsoft 365 Premium, Copilot Pro (add-on), Microsoft 365 Copilot Business (annual), Microsoft 365 Copilot Business (monthly). Paid plans include Microsoft 365 Basic at $1.99/month, Microsoft 365 Personal at $9.99/month, Microsoft 365 Family at $12.99/month. The Microsoft 365 Personal plan is individual users who need desktop office apps with enhanced copilot access.
Compared to other ai chatbots software, Microsoft Copilot is positioned at the budget-friendly price point.
- Median contract: $417/yr from 61 purchases 0
How much does Microsoft Copilot cost?
Microsoft Copilot Pricing Overview
Microsoft Copilot has 7 pricing plans ranging from $1.99 to $25.20/month. The Microsoft 365 Basic plan costs $1.99/month, best for light users who need cloud storage and basic office web apps at minimal cost. The Microsoft 365 Personal plan costs $9.99/month, best for individual users who need desktop office apps with enhanced copilot access. The Microsoft 365 Family plan costs $12.99/month, best for households wanting office apps and copilot access for up to six people. The Microsoft 365 Premium plan costs $19.99/month, best for power users wanting maximum copilot capabilities bundled with the full office suite. The Copilot Pro (add-on) plan costs $20/month, best for users who want priority ai access layered on top of an existing microsoft 365 subscription. The Microsoft 365 Copilot Business (annual) plan costs $18/month, best for businesses committing annually to ai-assisted productivity across teams, word, excel, and outlook. The Microsoft 365 Copilot Business (monthly) plan costs $25.20/month, best for businesses wanting flexible month-to-month billing for ai-assisted productivity.
The median Microsoft Copilot customer pays $417/year based on 61 verified purchases.
This pricing was last verified in June 9, 2026 from 1 independent source.
Microsoft Copilot pricing starts at $1.99/month for Microsoft 365 Basic and goes up to $25.20/user/month for the business plan on a monthly commitment, as of June 2026. Consumer plans range from $1.99 to $19.99/month depending on the Microsoft 365 tier, with Copilot Pro available as a $20/month add-on. Business plans for Copilot in Microsoft 365 apps cost $18/user/month (annual) or $25.20/user/month (monthly).
Microsoft Copilot is Microsoft's AI assistant built on large language model technology and integrated throughout the Microsoft 365 ecosystem. It is available at no extra charge at a basic level across many Microsoft 365 plans, with deeper capabilities unlocked at higher subscription tiers. The Copilot Pro add-on ($20/month) layered on an existing Microsoft 365 subscription grants priority model access and expanded image generation.
For business users, the Microsoft 365 Copilot Business plan () embeds Copilot directly into Teams, Word, Excel, PowerPoint, and Outlook — enabling AI-drafted documents, meeting summaries, and data analysis within the tools teams already use. The monthly billing option costs $25.20/user/month for flexibility without an annual commitment.
How Microsoft Copilot Pricing Compares
Compare Microsoft Copilot pricing against top alternatives in AI Chatbots.
Compare Microsoft Copilot vs Alternatives
Before committing to Microsoft Copilot, compare pricing with these 3 alternatives in the same category.
What Companies Actually Pay for Microsoft Copilot
The median Microsoft Copilot buyer pays $417/year based on 61 verified purchase transactions.
How Microsoft Copilot Pricing Compares
| Software | Starting Price | Top Price |
|---|---|---|
| Microsoft Copilot | $1.99/month | $25.2/month |
| Character.ai | Free | $119.88/month |
| ChatGPT | Free | $200/user/month |
| Chatsonic | $19/month | $299/month |
| Claude | Free | $200/user/month |
| Cohere | $0.04/per million tokens | $10/per million tokens |
Detailed pricing comparisons:
How to Negotiate Microsoft Copilot Pricing
Microsoft Copilot contracts are negotiable. These 3 tactics are sourced from real buyer experiences and procurement specialists.
Microsoft 365 Copilot ($30/user/month) can be negotiated as part of your Microsoft Enterprise Agreement renewal. EA customers with 1,000+ seats report getting Copilot at $20-25/user/month when bundled with M365 E3/E5 commitments.
Microsoft EA negotiation reportsStart with a 25-50 seat Copilot pilot (Microsoft often provides free pilot seats for 30-90 days). Use the pilot to measure adoption and productivity before committing to org-wide licensing — this data also strengthens your negotiating position at renewal.
Microsoft Copilot pilot programMicrosoft Copilot in Edge and Bing is free with limited daily turns. Evaluate whether your team's use cases are covered by the free tier before purchasing M365 Copilot. Many organizations find 70-80% of use cases are satisfied by the free consumer version.
Microsoft Copilot tier comparisonMicrosoft Copilot Pricing FAQ
01 How much does Microsoft Copilot cost?
Microsoft Copilot is included in Microsoft 365 plans starting at $1.99/month (Basic), $9.99/month (Personal), $12.99/month (Family), and $19.99/month (Premium). A standalone Copilot Pro add-on is available for $20/month on top of an existing Microsoft 365 subscription. Business plans with full Copilot in Microsoft 365 apps cost $18/user/month (annual) or $25.20/user/month (monthly).
02 What is the cheapest Microsoft Copilot plan?
The most affordable entry point with Microsoft 365 and Copilot access is Microsoft 365 Basic at $1.99/month, which includes web-based Office apps, 100 GB OneDrive, and basic Copilot. For fuller Copilot integration in desktop apps, Microsoft 365 Personal starts at $9.99/month.
03 Is there a free version of Microsoft Copilot?
Microsoft Copilot is available free at copilot.microsoft.com for basic AI chat, web search, and limited image generation without any Microsoft 365 subscription. However, deeper integration with Office apps and higher usage limits require a paid Microsoft 365 plan.
04 What is Copilot Pro and how much does it cost?
Copilot Pro is a $20/month add-on for existing Microsoft 365 subscribers. It provides priority access to the latest AI models during peak hours, 100 image generation boosts per day (vs. a lower limit on base plans), faster responses, and early access to new Copilot features. It does not include Microsoft 365 apps on its own — it must be added to an existing subscription.
05 How much does Microsoft Copilot cost for businesses?
Microsoft 365 Copilot Business costs $18/user/month on an annual commitment (promotional rate through September 2026) or $25.20/user/month on a monthly basis. This plan adds Copilot to Teams, Word, Excel, PowerPoint, and Outlook and requires an eligible Microsoft 365 business subscription.
06 How does Microsoft Copilot pricing compare to ChatGPT Plus?
ChatGPT Plus costs $20/month for an individual. Microsoft 365 Personal with Copilot is $9.99/month and includes Office apps, though Copilot Pro as a standalone add-on also costs $20/month. For users already paying for Microsoft 365, upgrading to a higher tier or adding Copilot Pro may offer better value than a separate ChatGPT subscription.
Is this pricing incorrect? — we'll verify and update it.