Microsoft Copilot plans and prices

Copilot (free)

Limited free Copilot chat, subject to capacity.

Who it's for: Anyone who wants a free assistant with a Microsoft account. (our editorial view)

Models: Chosen by Microsoft

Usage limits: Limited; no numbers.

Price confidence: Confirmed on the official page. Checked 2026-10-16. source 1

Microsoft 365 Personal$9.99/mo

Office apps plus Copilot with higher usage than free, 1 TB storage, for one person.

Who it's for: One person who already wants Word, Excel and Outlook, with some AI included. (our editorial view)

Models: Chosen by Microsoft

Usage limits: 'Higher than free'; credits reset, no numbers.

Annual or other billing: $99.99/year

Price confidence: Confirmed on the official page. Checked 2026-10-16. source 1

Microsoft 365 Family$12.99/mo

Same as Personal for up to 6 people, but Copilot AI is only for the account owner.

Who it's for: Households. Only the account owner gets the AI features. (our editorial view)

Models: Chosen by Microsoft

Usage limits: Same as Personal.

Annual or other billing: $129.99/year

Price confidence: Confirmed on the official page. Checked 2026-10-16. source 1

Microsoft 365 Premium$19.99/mo

Extensive Copilot usage, Researcher, Analyst and agent features, 2 TB shared storage.

Who it's for: People who want AI inside Word, Excel, PowerPoint and Outlook more than a stand-alone chatbot. (our editorial view)

Models: Chosen by Microsoft

Usage limits: 'Extensive'; no numbers.

Annual or other billing: $199.99 a year

Price confidence: Confirmed on the official page. Checked 2026-10-16. source 1, source 2

• Microsoft's compare page lists $19.99 a month or $199.99 a year (read directly October 16, 2026).

Microsoft 365 Pro$99.99/mo

Highest Copilot usage, 5 TB shared storage.

Who it's for: People who run into Premium's Copilot limits and want the highest allowance. Microsoft says Premium already has 'extensive' use. (our editorial view)

Models: Chosen by Microsoft

Usage limits: 'Highest'; no numbers.

Annual or other billing: Monthly billing only, no annual option (per Office Watch)

Price confidence: From press or an older official post. Checked 2026-10-16. source 1, source 2

Confirm at checkout. We could not read this price on the current official page, so it comes from press or an older official post.

• Microsoft's own pages we read list this plan and its features but not its price. $99.99 a month comes from Office Watch (October 2026), so confirm at checkout.