Microsoft Copilot is the AI built into Windows, Edge and Microsoft 365. For most people the question is simple: if you already pay for Microsoft 365, you already have Copilot features in Word, Excel, PowerPoint and Outlook.
What we like
- Works inside Word, Excel, PowerPoint and Outlook
- Bundled with Microsoft 365 plans
- Business plan inherits Microsoft 365 security
Watch out for
- Plan line-up is confusing
- Less capable as a standalone chatbot than the leaders
Key facts
| Category | AI assistant |
|---|---|
| Free plan | Yes: Copilot app and web |
| Cheapest paid plan (monthly) | $9.99/mo |
| Top plan | Copilot Business: $25.20/mo |
| Seats | Personal/Family; Business per user |
| Trial / refund | Microsoft 365 trials often available |
| Platforms | Web, Windows, iOS, Android, inside Office apps |
Checked Oct 9, 2026 on the official site. Prices and terms change: confirm before you buy.
Microsoft Copilot plans & pricing
| Plan | Billed monthly | Billed yearly (per month) | Cost per year | What you get |
|---|---|---|---|---|
| Free | Free | - | $0 | Copilot app |
| Microsoft 365 Personal | $9.99 | monthly only | $119.88 | Office apps + Copilot with limits |
| Microsoft 365 Premium | $19.99 | monthly only | $239.88 | Office apps + higher Copilot limits |
| Copilot Business | $25.20 | $18 save 29% | $216 | Per user, Microsoft 365 business |
List prices for one user, checked Oct 9, 2026. Taxes extra; per-user plans multiply by seats. Vendors change plans often: confirm on Microsoft Copilot’s pricing page. Add it to the stack cost calculator →
Microsoft Copilot price history
No price changes logged since our baseline check on Oct 9, 2026.
Last checked Oct 9, 2026. We re-check every tool monthly. See all software price changes →
Is Microsoft Copilot free? Free plan, trial and discounts →
Plans
- Free Copilot app on web, Windows and mobile.
- Microsoft 365 Personal ($9.99/mo) and Family ($12.99/mo) include Copilot with limits.
- Microsoft 365 Premium ($19.99/mo) raises limits.
- Microsoft 365 Copilot Business for companies, priced per user.
Best uses
Drafting in Word, analyzing spreadsheets in Excel, summarizing long email threads in Outlook and turning documents into PowerPoint decks.
Limitations
As a standalone chatbot it trails the leaders, and the plan names are confusing.
Frequently asked questions
Do I need Copilot Pro?
Most consumers now get Copilot through Microsoft 365 Personal, Family or Premium instead.
Do you use Microsoft Copilot?
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Questions from readers
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