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Copilot (free version)FreeIncluded in Microsoft 365Custom
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All Microsoft Copilot Plans & Pricing

Prices unverified — last checked Aug 30, 2026

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Copilot (free version)

  • Limited free version of Copilot
  • Subject to available capacity and limits
  • Paid Microsoft 365 plans give higher usage than free for chat, image creation and audio
  • Copilot in Word, Excel, PowerPoint, Outlook requires an eligible Microsoft 365 subscription

Included in Microsoft 365

  • Microsoft Copilot has no price of its own; it is sold as part of Microsoft 365
  • See Microsoft 365 pricing for the plans that include it
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Quick Answer
Last verified:
Medium confidence

Microsoft Copilot costs Free to Free per month as of November 2026, with 2 plans available including a free tier. Plan: Copilot (free version) (free). Custom pricing is available on request. The median contract is $417/year based on 61 community cost mentions.

Use the interactive pricing calculator to estimate your exact cost based on team size and requirements.

  • Free tier: Yes

Microsoft Copilot offers 2 pricing tiers: Copilot (free version), Included in Microsoft 365. The Included in Microsoft 365 plan is teams already on microsoft 365.

Compared to other ai chatbots software, Microsoft Copilot is positioned at the budget-friendly price point.

  • Median contract: $417/yr from 61 purchases Thin data
  • 4 documented hidden costs beyond list price
Last verified: | Sources: 1 pricing pages and reviews

How much does Microsoft Copilot cost?

Microsoft Copilot has a free plan; paid plans are quote-based. Plans include Copilot (free version) (free), Included in Microsoft 365 (custom pricing).

Microsoft Copilot Pricing Overview

Microsoft Copilot has 2 pricing plans, including a free tier. Paid plans range from $0 to $0/month. The Copilot (free version) plan is free and is best for getting started at no cost. The Included in Microsoft 365 plan requires contacting sales for a custom quote and is designed for teams already on microsoft 365.

The median Microsoft Copilot customer pays $417/year based on 61 community cost mentions.

There are at least 4 documented hidden costs beyond Microsoft Copilot's list price, including implementation, training, and add-on fees.

This pricing was last verified in August 30, 2026 from 1 independent source.

Try Microsoft Copilot Free

Microsoft Copilot pricing starts at $0/month billed monthly for the free version of Copilot, while Copilot included in Microsoft 365 has custom pricing. The free version also costs $0/month billed annually. Business pricing for Copilot in Microsoft 365 apps has no published number and is quoted by Microsoft.

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, Copilot included in Microsoft 365 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. Pricing is custom, with no published number, so costs depend on the quote.

How Microsoft Copilot Pricing Compares

Compare Microsoft Copilot pricing against top alternatives in AI Chatbots.

Microsoft 365 View pricing → Character.ai $7.92-$119.88/user/mo Compare → ChatGPT $0.0-$200.0/user/mo Compare →

Compare Microsoft Copilot vs Alternatives

Before committing to Microsoft Copilot, compare pricing with these 3 alternatives in the same category.

VSMicrosoft 365
Custom

The plans Microsoft Copilot is sold in

Compare pricing
VSCharacter.ai
From $7.92/user/mo

Casual users and those exploring AI chatbots

Full comparison
VSChatGPT
From $0.0/user/mo

Casual users testing ChatGPT capabilities with light usage needs

Full comparison

All Microsoft Copilot alternatives & migration guides

What Companies Actually Pay for Microsoft Copilot

The median Microsoft Copilot buyer pays $417/year based on 61 community cost mentions.

What companies actually pay $417/yr Median across 61 community cost mentions Thin data
Review scores
TrustRadius 8.3out of 10 (108)
Trustpilot 1.2out of 5 (23)
Third-party review aggregates, as of Jul 2026
Top pricing complaints
Cannot retain context or remember information from earlier in the same conversationProvides incorrect, false, or fabricated informationImage generation limits are restrictive and slow to resetIgnores user instructions or contradicts itself
Source: Community cost mentions (Reddit, Hacker News) — aggregated from 61 distinct user reports. Indicative only — not contract-grade data.

How Microsoft Copilot Pricing Compares

Software Starting Price Top Price
Microsoft Copilot Custom Custom
Character.ai Free $7.92/month
ChatGPT Free $100/user/month
Chatsonic $19/month $299/month
Claude Free $200/user/month
Cohere Free $4300/month

Detailed pricing comparisons:

Browse all AI Chatbots pricing →

4 Microsoft Copilot Hidden Costs Beyond the List Price

Beyond the listed price, Microsoft Copilot has at least 4 documented hidden costs that can significantly increase total cost of ownership.

Watch for 4 hidden costs
  • Copilot Pro Add-On Cost on Top of M365 Subscription $20/user/month
    high 1 source
    Reddit “Here's a clear breakdown of free vs. paid tiers for the AI agents... ChatGPT-4o... Paid: $20/month (GPT-4o priority access)”
  • Microsoft Price Escalation on Azure and Software Tiers 10-30% of license costs
    high 1 source
    Reddit “Last year Microsoft raised prices of azure and other software by 10%. And this year they changed many pricing tiers in azure in such a way that effective upgrade would cost 30%.”
  • Image Generation Daily Limits 5-10% of license costs
    medium 2 sources
    Trustpilot “I have no issue with Microsoft copilot. I love it. The only bad thing is IMAGE GENERATION!!! For school, I have to write a recount about the chapter we read and then draw some pictures to go along with it.”
    Trustpilot “You would think that Microsoft would make the best AI image generation app. It's by far the worst of them all. Forget Copilot, Dola is far far better and it's free.”
  • Microsoft 365 Business Copilot Requires Annual Commitment Varies by quote and commitment term
    medium 1 source
    Reddit “Many might be able to get by with $3 Business Standard... And some can get by with the free plan, as more and more are satisfied with the web apps.”
Tip

Ask your Microsoft Copilot sales rep about these costs upfront. Getting them in writing before signing can save you from surprise charges later.

Full hidden costs breakdown →

Intelligence sourced from 3 independent sources
Reddit User discussions Trustpilot Consumer reviews TrustRadius Enterprise reviews
Key claims include inline source attribution. Data verified against multiple independent sources. 13 source citations total.

Microsoft Copilot Contract Terms

Microsoft Copilot contracts do not auto-renew. Changes require advance notice. These terms are sourced from verified buyer experiences.

Contract Terms
Auto-Renewal No
Minimum Commitment Annual for Microsoft 365 Copilot Business (annual) plan; monthly option available at premium
Mid-Term Downgrade Not allowed
Price Escalation Users report 10% annual price increases on Microsoft software/Azure, with tier restructuring that can result in effective 30% cost increases
Based on 1 verified source

How to Negotiate Microsoft Copilot Pricing

Microsoft Copilot contracts are negotiable. These 6 tactics are sourced from real buyer experiences and procurement specialists.

Negotiation Playbook 6 tactics
Bundle Copilot with M365 Enterprise Agreement high success

Copilot included in Microsoft 365 has custom pricing with no published number, so it can be negotiated as part of your Microsoft Enterprise Agreement renewal. Larger organizations can raise Copilot alongside M365 E3/E5 commitments and ask for it to be priced as part of the overall agreement.

Microsoft EA negotiation reports
Pilot on Small User Group Before Full Rollout high success

Start 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 program
Nonprofit Pricing high success

Nonprofits can access reduced Microsoft 365 pricing through Microsoft's nonprofit program, but this pricing set does not include a nonprofit-specific Business Standard tier. Benchmark any offer against Microsoft 365 Basic at $1.99/month and Microsoft 365 Copilot Business (annual) at $18/user/month, then verify eligibility through Microsoft's nonprofit portal.

reddit
Annual vs Monthly Trade-off high success

The Microsoft 365 Copilot Business annual plan ($18/user/month) saves 29% compared to monthly billing ($25.20/user/month). If you have confidence in the tool, committing annually provides significant savings. Negotiate the annual commitment during a trial or evaluation period.

Current tier data
Use Free Copilot Tier in Edge/Bing Before Upgrading medium success

Microsoft 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 comparison
Evaluate Before Committing to Copilot Pro Add-On medium success

Copilot Pro at $20/user/month is a substantial add-on. Given widespread user complaints about accuracy and context retention, evaluate the free tier thoroughly before committing. Negotiate a team pilot before rolling out to all users to avoid paying for licenses that go unused.

trustpilot reviews
High success Medium Low / difficult

Full negotiation guide →

Microsoft Copilot Price History

Pricing changes CostBench has tracked for Microsoft Copilot, verified across 2 snapshots going back to 2026Q1.

  1. Microsoft Copilot price increase

    Highest tier increased from $20 to $25/month

    +26%

  2. Microsoft Copilot tier restructure

    Changed from 4 to 7 pricing tiers

Price stable over 0.3 years

View Microsoft Copilot's full price history →

Microsoft 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 $16.8/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 $8.4/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 $16.8/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 $8.4/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.

07 What is the difference between the free Copilot and Copilot Pro?

The free Microsoft Copilot provides basic AI chat and question-answering with limited Microsoft 365 integration. Copilot Pro ($20/user/month add-on) provides deep integration with Microsoft 365 apps including Word, Outlook, Teams, and Excel, enabling AI-powered document drafting, email summarization, and meeting transcription. Copilot Pro requires an existing Microsoft 365 subscription.

08 Do I need a Microsoft 365 subscription to use Copilot?

No — a basic free version of Microsoft Copilot is available without a subscription. However, to use Copilot within Microsoft 365 applications (Word, Excel, Outlook, Teams), you need both a qualifying Microsoft 365 plan and the Copilot Pro add-on ($20/user/month) or the Microsoft 365 Copilot Business plan ( or $25.20/user/month monthly).

09 What are the most common complaints about Microsoft Copilot?

Based on recent user reviews, the most common issues include: (1) difficulty retaining context within the same conversation session, (2) providing inaccurate or fabricated information, (3) ignoring user instructions or contradicting itself, (4) restrictive image generation limits that are slow to reset, and (5) overly cautious content filtering that blocks legitimate requests. Several users noted that recent updates degraded performance rather than improving it.

10 Is there a monthly billing option for Microsoft 365 Copilot Business?

Yes. Microsoft 365 Copilot Business is available at $18/user/month on an annual commitment or $25.20/user/month on a month-to-month basis. The monthly option costs approximately 40% more than the annual plan, so organizations confident in their usage should opt for annual billing.

11 What Microsoft 365 plan do nonprofits get?

Nonprofits may qualify for reduced Microsoft 365 pricing through Microsoft's nonprofit program, but the current listed Copilot tiers do not include a nonprofit-specific Business Standard plan. Compare eligible offers against Microsoft 365 Basic at $1.99/month or Microsoft 365 Copilot Business (annual) at $18/user/month.

Is this pricing incorrect? — we'll verify and update it.