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Microsoft Copilot pricing (2026)

Microsoft Copilot starts at $20/mo (Pro tier, power users). A free tier is also available with usage caps.

All pricing tiers

Free
Free
Personal
  • +Web + mobile Copilot
  • +GPT-5 access
Pro
$20/mo
Power users
  • +Priority access
  • +Image generation
  • +Copilot in Word/Excel
Recommended
Microsoft 365 Copilot
$30/seat/mo
M365 Business + Enterprise
  • +Word, Excel, Outlook, Teams agents
  • +Org-wide data grounding
  • +Custom Copilot Studio agents

Which tier should you pick?

Free · Free

Personal

Free is the right starting point. Use it to validate the workflow before you commit budget — the limits will tell you whether Microsoft Copilot is the right tool for your use case. Best for: personal.

Pro · $20/mo

Power users

At $20/mo, you get: priority access, image generation, copilot in word/excel. Best for: power users.

Microsoft 365 Copilot · $30/seat/mo

M365 Business + Enterprise

At $30/seat/mo, you get: word, excel, outlook, teams agents, org-wide data grounding, custom copilot studio agents. This is the tier most users land on — it's the best balance of price and capability for daily use.

What does Microsoft Copilot actually cost at your volume?

Sticker price is the start. Token spend, seat counts, and per-task overages move the real number meaningfully. Our calculator does the math.

Run TCO calculator →

Cheaper alternatives in ops

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Frequently asked questions

How much does Microsoft Copilot cost?+

Microsoft Copilot starts at $20/month for the Pro tier (power users). There are 2 other tiers — see the full table above for the feature breakdown.

Does Microsoft Copilot have a free plan?+

Yes — the Free tier is free (personal). Web + mobile Copilot. GPT-5 access. For heavier usage you'll likely need a paid tier.

Is Microsoft Copilot worth $20/month?+

For users who run ops workflows, the Pro tier usually pays for itself within the first month. If you only run occasional one-off tasks, look at a cheaper alternative or the free tier (if available) before committing.

Can I save by paying annually for Microsoft Copilot?+

Most SaaS vendors in this category — and Microsoft Copilot typically follows the pattern — offer 10–20% off when you pay annually instead of monthly. Check the checkout page for the exact discount; the annual toggle is usually under the pricing tiers on the vendor site.

Ready to try Microsoft Copilot?

Start on the free Free tier and upgrade only when you hit the limits.

Try Copilot for M365

Prices are subject to change by the vendor. We may earn a commission at no extra cost to you.