Microsoft 365 Premium is $19.99/month (or $199.99/year, about $16.67/mo) — and since Copilot Pro was discontinued for new signups in 2026, it's the mid-tier paid path to Office-integrated Copilot. It bundles advanced Copilot AI with limited agentic usage (for the owner), full Office apps and up to 6 TB OneDrive across 6 family accounts. Microsoft 365 Pro ($99.99/mo) sits above it for the highest agentic AI usage.
Worth it if you'd pay for Microsoft Office anyway — the AI is effectively a cheap add-on to a bundle you already need, and Excel formula generation plus Outlook triage are genuinely best-in-class. Not worth it as a pure AI subscription: the Copilot features only shine inside Office. Hit Premium's agentic-AI limits regularly? Microsoft 365 Pro is the upgrade path.
Step down: the free tier. Step up: M365 Pro at $99.99/mo.
Microsoft 365 Premium bills either monthly at $19.99 or annually at $199.99/year (≈$16.67/month) — the annual plan is the better deal if you're committing anyway. Basic Copilot chat remains free in Windows and Edge.
M365 Premium costs $19.99/month. Microsoft 365 Premium bills either monthly at $19.99 or annually at $199.99/year (≈$16.67/month) — the annual plan is the better deal if you're committing anyway. Basic Copilot chat remains free in Windows and Edge.
M365 Premium includes: 6 family accounts (Copilot AI for owner only); Full Office apps; Up to 6 TB OneDrive shared; Advanced Copilot chat, limited agentic AI usage; Workflow automation.
Worth it if you'd pay for Microsoft Office anyway — the AI is effectively a cheap add-on to a bundle you already need, and Excel formula generation plus Outlook triage are genuinely best-in-class. Not worth it as a pure AI subscription: the Copilot features only shine inside Office. Hit Premium's agentic-AI limits regularly? Microsoft 365 Pro is the upgrade path.
M365 Premium is the cheapest paid tier; below it, Copilot's free tier is genuinely usable for casual work — pay only when you hit its caps.
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