Microsoft Copilot Pricing 2026

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).

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.

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.

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.

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.

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.

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.

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).

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.

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.

Nonprofits may qualify for significantly reduced Microsoft 365 pricing. A commenter noted the nonprofit Business Standard plan is available at $3/user/month. Eligibility and application are handled through Microsoft's nonprofit program.