How Much Does Microsoft Copilot Cost? Plans & Pricing Guide
Microsoft Copilot pricing depends on which version you need: free chat, Microsoft 365 Personal/Family with AI credits, or business licenses at $30/user/month.
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How much Microsoft Copilot costs depends on which Copilot you mean, because Microsoft has used the name for three different things: a free chat in Windows and browsers, AI built into Word, Excel and Outlook in Microsoft 365 home packages, and a paid add-on for businesses. Below we break down the pricing as of September 18, 2026, noting what we verified in official price lists versus what is a conversion. GitHub Copilot for developers is covered separately.
| Version | Price | What you get |
|---|---|---|
| Copilot (chat) | Free | Chat in Windows, Edge, mobile app and copilot.microsoft.com; rate limits under heavy load, image generation |
| Copilot in Microsoft 365 Personal / Family | Included in package price after 2025 price increase | AI in Word, Excel, PowerPoint, Outlook and OneNote with monthly pool of “AI credits”; Family shares the package with household, but credits belong to owner |
| Microsoft 365 Copilot (business) | Approximately $30 per user per month plus Microsoft 365 license | Copilot in Office apps with access to company data (email, Teams, SharePoint), data management and protection |
| Copilot Pro | Discontinued | Former individual plan at $20/month; Microsoft moved its features into Personal and Family packages |
What changed: Copilot Pro discontinued
Until early 2025, individual users paid $20 per month for Copilot Pro. Microsoft discontinued this plan, bundled Copilot into Microsoft 365 Personal and Family packages, and raised their prices; in return you get a monthly pool of AI credits to use in Office apps and Designer. Check the Microsoft store for exact local pricing in your region, as it differs between monthly and annual payment; we deliberately do not list amounts we have not verified as of September 18 in official price lists.
When free Copilot is enough
For regular conversations, summaries, translations and quick graphics, the free chat is comparable to free ChatGPT because it uses OpenAI models. A paid package makes sense when you work in Word and Excel and want AI to see your open document; business Microsoft 365 Copilot makes sense when AI needs to search company email and Teams. We compare it with other chat subscriptions in our AI pricing hub, and provide a full tool description in our Microsoft Copilot article.
Google · Your sourcesQuantslant higher in your Google - one clickAdd to preferred sources →Frequently asked questions
Is Copilot free?
The chat is. AI in Word and Excel requires a Microsoft 365 package with Copilot, and the business version requires a separate license.
How much does Copilot cost for business?
Approximately $30 per user per month with annual payment, added to Microsoft 365 licenses; local pricing from partners varies by agreement.
Does Copilot Pro still exist?
Not as a separate plan. Its features moved into Microsoft 365 Personal and Family packages.
Sources verified September 18, 2026: microsoft.com pages about Copilot and Microsoft 365 plans, Microsoft announcement about bundling Copilot into consumer packages (January 2025).
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