Microsoft's AI woven into Windows, Edge, and Office. Office is the killer feature.
In 2026 Copilot costs $0–$99.99 per month: Free $0; M365 Premium $19.99/mo; M365 Pro $99.99/mo.
| Plan | Price / month | What you get |
|---|---|---|
| Free | $0 | Basic Copilot · Standard features · Limited access |
| M365 PremiumPlan details → | $19.99/mo | 6 family accounts (Copilot AI for owner only) · Full Office apps · Up to 6 TB OneDrive shared · Advanced Copilot chat, limited agentic AI usage |
| M365 ProPlan details → | $99.99/mo | Advanced Copilot chat with highest usage · Highest usage for agentic AI · Full Office apps · Highest usage across all AI capabilities |
Monthly prices in US dollars before tax, from each vendor's official pricing (US list price; weekly-billed plans converted to a monthly figure). Updated October 21, 2026
Yes — Copilot has a free tier you can use without paying anything. Paid plans start at $19.99/mo.
The free tier covers basic Copilot chat in Windows, Edge, and the mobile apps. Copilot Pro, the standalone $20/mo plan, has been discontinued for new subscribers — Microsoft now points individuals to Microsoft 365 Premium instead. Microsoft 365 Premium ($19.99/mo, or $199.99/year for ~$16.67/mo) is the mid-tier paid option: full Office apps, up to 6 TB of shared OneDrive storage, and advanced Copilot AI across the Office apps. A new Microsoft 365 Pro tier ($99.99/mo, monthly billing only) sits above it with the highest usage for agentic AI and every Copilot capability.
Microsoft's AI woven into Windows, Edge, and Office. Office is the killer feature.
Best for: Excel data, Word drafting, PowerPoint decks, Outlook triage
Where it falls short: Pro plan is half-useful without an M365 subscription on top
The free tier of Copilot is good enough for casual use. Pay $19.99/mo only when you start hitting daily caps or need access to the better models.
Yes — Copilot has a free tier you can use without paying anything. Paid plans start at $19.99/mo. The free tier covers basic Copilot chat in Windows, Edge, and the mobile apps. Copilot Pro, the standalone $20/mo plan, has been discontinued for new subscribers — Microsoft now points individuals to Microsoft 365 Premium instead. Microsoft 365 Premium ($19.99/mo, or $199.99/year for ~$16.67/mo) is the mid-tier paid option: full Office apps, up to 6 TB of shared OneDrive storage, and advanced Copilot AI across the Office apps. A new Microsoft 365 Pro tier ($99.99/mo, monthly billing only) sits above it with the highest usage for agentic AI and every Copilot capability.
Copilot pricing in 2026: Free — $0; M365 Premium — $19.99/mo; M365 Pro — $99.99/mo. Full plan-by-plan details are in the table above.
The free tier includes: Basic Copilot, Standard features, Limited access.
The free tier of Copilot is good enough for casual use. Pay $19.99/mo only when you start hitting daily caps or need access to the better models.
No. Microsoft discontinued Copilot Pro for new subscribers; existing subscribers keep it until they cancel or support ends on August 1, 2026. Microsoft now recommends Microsoft 365 Premium ($19.99/mo, or $199.99/year) or the higher Microsoft 365 Pro ($99.99/mo) as the paid Copilot options for individuals.
Free: standard chat with daily usage limits. Microsoft 365 Premium ($19.99/mo or $199.99/year): advanced Copilot chat with limited agentic AI usage, Copilot inside Word, Excel, PowerPoint, and Outlook, up to 6 TB of shared OneDrive storage, and full Office apps for up to 6 people. Microsoft 365 Pro ($99.99/mo): the highest usage across all Copilot capabilities, including agentic AI.