Microsoft Copilot pricing
Microsoft Copilot's cheapest paid plan is Microsoft 365 Premium at $16.67 a month billed annually ($19.99 month to month). There's a free plan (Copilot Free). A team of 10 pays $235 a month on Microsoft 365 Business Standard with Copilot, billed annually.
Every plan below was checked against Microsoft Corporation's own pricing page on October 3, 2026. Prices are in USD, before tax.
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Plans
Microsoft Copilot plans and prices
Both billing rates, the yearly saving, and who each plan can be bought for.
| Plan | Paying monthly | Paying yearly (per month) | Yearly saving | Seats | Unit |
|---|---|---|---|---|---|
| Copilot Free Subject to available capacity and limits. | Free | Free | — | 1 person | free |
| Microsoft 365 Premium Replaced Copilot Pro. Copilot AI features are for the subscription owner only. One-month free trial. | $19.99/mo | $16.67/mo | 17% | 1 person | per month ($199.99 a year) |
| Microsoft 365 Pro Monthly billing only. | $99.99/mo | — | — | 1 person | per month |
| Microsoft 365 Copilot Business Needs an eligible Microsoft 365 Business plan, billed separately. Add-on to an eligible Microsoft 365 Business plan, which is billed separately. Promotion: $18 per user a month on yearly billing for the first year (offer runs Jul 1 to Dec 31, 2026). | $25.20/mo | $21/mo | 17% | Up to 300 | per user, per month (add-on) |
| Microsoft 365 Business Standard with Copilot | $28.20/mo | $23.50/mo | 17% | Up to 300 | per user, per month (bundle) |
| Microsoft 365 Business Premium with Copilot | $38.40/mo | $32/mo | 17% | Up to 300 | per user, per month (bundle) |
| Microsoft 365 Copilot Needs a qualifying Microsoft 365 enterprise plan, billed separately. Requires a qualifying Microsoft 365 enterprise plan, billed separately. A pay-monthly option exists but its price isn't shown. | Yearly only | $30/mo | — | Any | per user, per month, paid yearly (enterprise add-on) |
Real cost
What Microsoft Copilot costs for your team
Monthly totals at four team sizes, with seat minimums and bundles applied.
| Plan | 1 person | 5 people | 10 people | 25 people |
|---|---|---|---|---|
| Copilot Freeindividual | Free | — | — | — |
| Microsoft 365 Premiumindividual | $16.67/mo | — | — | — |
| Microsoft 365 Proindividual | $99.99/mo | — | — | — |
| Microsoft 365 Copilot Business | $21/mo + licence | $105/mo + licence | $210/mo + licence | $525/mo + licence |
| Microsoft 365 Business Standard with Copilot | $23.50/mo | $117.50/mo | $235/mo | $587.50/mo |
| Microsoft 365 Business Premium with Copilot | $32/mo | $160/mo | $320/mo | $800/mo |
| Microsoft 365 Copilot | $30/mo + licence | $150/mo + licence | $300/mo + licence | $750/mo + licence |
Monthly totals before tax, using the yearly-billing rate where Microsoft Copilot publishes one and the monthly rate otherwise. Highlighted: the cheapest paid plan for that team size. A dash means the plan can't be bought for that many people. “+ licence” means the plan also needs another product, billed separately (see the plans table).
Upgrading
What each Microsoft Copilot tier adds, and what it costs
Microsoft 365 Premium
$16.67/mo
Includes: Everything in Microsoft 365 Family · Advanced Copilot chat with extensive usage · Limited agentic research and analysis · Up to 6 people; Copilot for the owner only
Microsoft 365 Pro
$99.99/mo
+$83.32 a month over Microsoft 365 Premium
Includes: Everything in Microsoft 365 Premium · Highest Copilot chat usage · Highest agentic research and analysis usage
Microsoft 365 Copilot Business
$21/mo per user
Includes: Copilot in Word, Excel, PowerPoint, Outlook and Teams · Researcher and Analyst agents · Adoption analytics · Choice of AI model
Microsoft 365 Business Standard with Copilot
$23.50/mo per user
+$2.50 per user a month over Microsoft 365 Copilot Business
Includes: Microsoft 365 Business Standard · Copilot in the Office apps · Business email · 1TB storage per user
Microsoft 365 Business Premium with Copilot
$32/mo per user
+$8.50 per user a month over Microsoft 365 Business Standard with Copilot
Includes: Microsoft 365 Business Premium · Copilot in the Office apps · Advanced identity and threat protection · 1TB storage per user
Microsoft 365 Copilot
$30/mo per user
Priced differently from Microsoft 365 Business Premium with Copilot
Includes: Copilot in Teams, Outlook, Word, PowerPoint and Excel · Agents with Copilot Studio · Enterprise-grade security and compliance
Compared
Microsoft Copilot vs alternatives on price
| Tool | 1 person | Team of 10 | Free plan |
|---|---|---|---|
 Microsoft Copilot | $16.67/moMicrosoft 365 Premium | $235/moMicrosoft 365 Business Standard with Copilot | Copilot Free |
 Gemini | $4.99/moGoogle AI Plus | — | Free |
 ChatGPT | $8/moGo | $200/moBusiness | Free |
 Claude | $17/moPro | $200/moTeam | Free |
Cheapest paid plan that covers the team, per month before tax, at the yearly rate where one is published. Each tool's prices were checked against its own pricing page, most recently on October 3, 2026.
Change log
Microsoft Copilot price history
No price changes recorded since we started tracking Microsoft Copilot's pricing on October 3, 2026. We re-check it at least every 90 days and log every change here.
FAQs
Microsoft Copilot pricing questions
Is Microsoft Copilot free?
Yes. The Copilot Free plan costs nothing. Limits: Subject to available capacity and limits.
How much does Microsoft Copilot cost per month?
Microsoft Copilot's cheapest paid plan is Microsoft 365 Premium at $16.67 a month billed annually ($19.99 month to month). There's a free plan (Copilot Free). A team of 10 pays $235 a month on Microsoft 365 Business Standard with Copilot, billed annually.
Is Microsoft Copilot cheaper if you pay annually?
Yes. Microsoft 365 Premium drops from $19.99 to $16.67 a month (17% less); Microsoft 365 Copilot Business drops from $25.20 to $21 a month (17% less); Microsoft 365 Business Standard with Copilot drops from $28.20 to $23.50 a month (17% less); Microsoft 365 Business Premium with Copilot drops from $38.40 to $32 a month (17% less) when billed annually.
How much does Microsoft Copilot cost for a team?
On the cheapest paid plan that fits, $117.50 a month for 5 people on Microsoft 365 Business Standard with Copilot, or $587.50 a month for 25 people on Microsoft 365 Business Standard with Copilot, billed annually.
Does Microsoft Copilot have a free trial?
Yes, a free trial of the paid features, on top of the free plan.
How we check these prices
An editor compares every plan with Microsoft Corporation's own pricing page and help centre, records the monthly and yearly rates exactly as published, and leaves out any figure the vendor doesn't state. Team totals are arithmetic on those rates. We re-check at least every 90 days and log any change above. Responsible editor: Lokesh Kapoor. Our methodology · Microsoft Copilot pros and cons
See Microsoft Copilot's current plans
There's a free trial if you want to test it first.
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