Microsoft Copilot
AI-powered assistant integrated into Microsoft 365 and Windows for productivity, content creation, and information retrieval
Microsoft Copilot is a generative AI chatbot available across multiple Microsoft products and services, including standalone chat, Windows integration, and Microsoft 365 enterprise applications. The service combines large language models with enterprise-grade security and is available through free versions, consumer plans, and business/enterprise tiers priced per user per month.
How we scored it
A weighted average of the 4 dimensions below, each judged 0–10 from published pricing, vendor documentation and independent user feedback. We do not run hands-on tests, and no vendor has any say in a score.
2 further dimensions are not scored for this product yet, so they are left out of the average rather than counted as zero. How the score works.
What it actually costs
Intro pricing shown — see the renewal note for what you'll pay after the introductory term. We don't hide the second-act price.
Copilot Free
Free tier offered by Microsoft for Copilot (vendor page labels a free version).
Copilot Pro (Individual Add-on)
Listed as $20.00 user/month (Copilot Pro individual subscription).
Microsoft 365 Premium (Individual/Family)
Microsoft 365 Premium (called Microsoft 365 Premium on Microsoft pages) listed at $19.99/month for the individual subscription owner.
Microsoft 365 Copilot Business
Listed as starting from $18.00 user/month, paid yearly (annual subscription — auto renews). Requires separate qualifying Microsoft 365 commercial license.
Microsoft 365 Copilot Enterprise
Listed as $30.00 user/month, paid yearly (annual subscription — auto renews). Separate qualifying Microsoft 365 license required.
What to check before you commit to Microsoft Copilot
A tool is judged on what it costs once it is adopted, not what it costs to try. These are the four things that change that number.
The price once it is adopted
At $18 a seat, five people is $90 a month ($1080 a year) and ten is $180 ($2160 a year). Tools are bought one seat at a time and paid for by the dozen.
Where the usage ceiling sits
Credits, generations, exports and API calls are the lines that run out mid-month. Find what happens when you hit the cap — hard stop, throttle, or an overage rate you have not budgeted for.
What the free tier is really for
A free tier is an evaluation, not a plan. Check which limit you would hit first in real use, because that is the one that decides when you start paying.
Getting your work back out
Export formats decide how reversible this decision is. A tool that only exports to its own format costs more to leave than its price suggests.
These are the checks we apply across ai tools, in the same order, so two pages can be compared line for line.
How much does Microsoft Copilot really cost?
Our calculation from the vendor's published prices — not a figure the vendor advertises.
The headline price is for one person. Adding people multiplies it, so a team of ten pays ten times the advertised figure. Most commercial Copilot plans are charged per user (seat). Individual Copilot Pro is sold per user; Microsoft 365 Copilot Business/Enterprise list per-user annual pricing. Consumer Microsoft 365 plans are per-subscription (per person or family).
| Team size | Per month | Per year | Over 3 years | How it is charged |
|---|---|---|---|---|
| 1 person | $18 | $216 | $648 | $18 per seat per month |
| 5 people | $90 | $1,080 | $3,240 | $18 per seat per month |
| 10 people | $180 | $2,160 | $6,480 | $18 per seat per month |
| 50 people | $900 | $10,800 | $32,400 | $18 per seat per month |
Based on the Copilot Pro (Individual Add-on) plan at $20 a month. Three years at the current monthly price. The vendor does not publish a renewal rate, so no increase is assumed.
- The vendor does not publish a renewal price, so three-year totals assume today's price holds.
Work out your own cost
- $20 per seat per month.
- No renewal increase is published, so today's price is held flat.
Microsoft Copilot against the field
The highest-scoring alternatives in the same category, compared on the figures we hold for all of them.
| Microsoft CopilotThis page | ChatGPT | Grammarly | |
|---|---|---|---|
| ReviewCost score | 7.4/10 | 8.3/10 | 8.3/10 |
| Cheapest plan | Copilot Free | — | — |
| From | — | — | — |
| Renews at | Not published | Not published | Not published |
| Biggest strength | Seamless integration across Microsoft 365 apps (Word, Excel, PowerPoint, Outlook, Teams) with context-aware responses grounded in organizational data | Breadth of capabilities: text, code, images, voice, web browsing, file analysis, and agentic task execution in one interface | Real-time detection across 400+ grammar and spelling rule types with multi-language support |
| Biggest drawback | Accuracy and hallucination concerns: users report inaccurate suggestions particularly for complex, technical, or organization-specific tasks requiring manual verification | Free and Go tiers now include ads in US and EU markets; conversation data used for training by default (manual opt-out required) | 150% price markup for month-to-month billing ($30) vs annual ($12/month); surprise auto-renewal charges when free trial lapses without cancellation |
Prices are the published figures at the time of writing and change often. Renewal pricing is shown where the vendor publishes it. See how we review.
What people ask about Microsoft Copilot
Straight answers to what buyers actually ask, drawn from the documentation and published user reports.
Is Copilot free?
What is the true all-in cost for enterprise Copilot?
Can Copilot execute workflows or automate tasks?
Is Copilot accurate enough for complex work?
Which Copilot product should my organisation buy?
Page history
- Published
- 13 September 2026
- Last updated
- 1 October 2026
- Pricing checked against vendor
- 1 October 2026
Sources & verification
Pricing on this page was taken from the vendor's published pricing page on 1 October 2026.
- Copilot Pricing Plans for Individuals – MicrosoftOfficial pricing page · Microsoft · read 1 October 2026
- Microsoft 365 Copilot Plans and Pricing – Microsoft 365 (business overview)Official pricing page · Microsoft · read 1 October 2026
- Microsoft 365 Copilot Plans and Pricing—AI for EnterpriseOfficial pricing page · Microsoft · read 1 October 2026