Microsoft 365 Premium is $16.67/month, billed $199.99/year — and since Copilot Pro was discontinued for new signups in 2026, it's the main paid path to Office-integrated Copilot. It bundles premium Copilot AI (for the owner), full Office apps and up to 6 TB OneDrive across 6 family accounts.
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, and the plan bills annually, not monthly.
Microsoft 365 Premium is billed annually at $199.99/year (≈$16.67/month) — there's no monthly option, so you're committing to a year. Basic Copilot chat remains free in Windows and Edge.
M365 Premium costs $16.67/month. Microsoft 365 Premium is billed annually at $199.99/year (≈$16.67/month) — there's no monthly option, so you're committing to a year. 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; Premium Copilot AI; 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, and the plan bills annually, not monthly.
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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