Microsoft Copilot pricing & review
Microsoft's AI family spanning free chat to $30/user/mo enterprise Copilot grounded on your organization's data.
Last checked September 10, 2026
Overview
Microsoft Copilot is not one product — it's a family. Free Copilot costs nothing and works like ChatGPT for casual chat and web answers. Microsoft 365 Copilot Chat is a secure, enterprise-grade chat included with eligible M365 subscriptions. Microsoft 365 Copilot ($30/user/month, annual) is the work version that grounds on your organization's emails, files, meetings, and Teams chats through Microsoft Graph. Microsoft 365 Premium (~$19.99/month) is the consumer plan that replaced Copilot Pro, bundling AI in Word, Excel, PowerPoint, and Outlook with up to 6 TB of storage. The confusion is the product: knowing which Copilot you need depends on whose data it should see — personal only, or your entire organization.
Feature highlights
- Free AI chat
- Copilot in Word, Excel, PowerPoint
- Enterprise Data Protection
- Microsoft Graph grounding
- Custom agents via Copilot Studio
- Voice on mobile, desktop, and web
Pros and cons
Pros
- Deep integration with Microsoft 365 apps
- Enterprise-grade security and compliance
- Free tier available for basic chat
- Work-grounded answers via Microsoft Graph
Cons
- Pricing is confusing — multiple overlapping products
- $30/user/mo requires qualifying M365 base plan
- No standalone API
- Annual commitment required
Best for
Microsoft Copilot is best suited to organizations already on microsoft 365 who want ai grounded on their work data. If that matches your needs, the free plan is a low-risk way to try it.
Microsoft Copilot comparisons
Microsoft Copilot FAQ
Does Microsoft Copilot have a free plan?
Yes. Free Copilot for casual chat. Copilot Chat included with eligible M365 plans for enterprise-grade secure chat.
How much does Microsoft Copilot cost?
Microsoft Copilot starts at Free (chat). Free tier for chat. M365 Premium ~$19.99/mo for personal AI in Office apps. M365 Copilot $30/user/mo add-on requires qualifying M365 base plan. Business bundles: Standard $23.50, Premium $32/user/mo. Copilot Pro retired late 2025. The highest known plan is $30/user/mo (M365 Copilot).
Who is Microsoft Copilot best for?
Microsoft Copilot is best for organizations already on microsoft 365 who want ai grounded on their work data.
Does Microsoft Copilot offer an API?
No, Microsoft Copilot does not currently offer a public API.
Microsoft Copilot alternatives
ChatGPT
AI Chat Assistants
The most widely used AI assistant, with GPT-5-class models, voice, vision, and DALL-E image generation.
Claude
AI Chat Assistants
Anthropic's assistant, known for writing quality, long documents, and the Claude Code developer tool.
Google Gemini
AI Chat Assistants
Google's assistant with a 1M-token context window, Veo video, and deep Workspace integration.