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Microsoft Copilot Pricing in 2026
Plans & cost breakdown — find the right Microsoft Copilot plan for your needs.
Starting at Free
freemium
Free trial available
8
Free
$0
- Chat, search, and image generation
- Windows, Edge, and mobile apps
- Voice conversations
Most Popular
Microsoft 365 Premium
$19.99/mo
- Copilot inside Word, Excel, PowerPoint, and Outlook
- Higher usage limits
- Includes Microsoft 365 apps and storage
Microsoft 365 Copilot
$30/user/mo
Added to an eligible business plan, billed annually
- Grounded in your work email, files, and chats
- Teams meeting recaps
- Enterprise data protection
Is Microsoft Copilot Worth It?
Pros
- Built into Word, Excel, PowerPoint, Outlook, and Teams
- Free version includes strong models and image generation
- Work version can reference your emails, files, and meetings
- Enterprise-grade security and compliance for businesses
- Available across Windows, web, and mobile
Cons
- Business version is expensive per user
- Too many products share the Copilot name, which is confusing
- Excel and PowerPoint features are uneven
- Less flexible than ChatGPT or Claude as a standalone assistant
Quick Info
Starting atFree
Pro plan$19.99/mo Microsoft 365 Premium
Modelfreemium
Free trialYes
Rating
Try Microsoft Copilot8