Microsoft Copilot Pricing 2026
Plans, hidden costs, and alternatives compared
Prices last confirmed on Nov 4, 2026 on microsoft.com. Same data as Markdown or JSON.
Cite this data: Toolradar, Microsoft Copilot pricing verified Nov 2026, toolradar.com/tools/microsoft-copilot/pricing
Microsoft Copilot starts at $19.99/mo on the Microsoft 365 Premium plan.
Verified Nov 2026 from the official pricing page.
Is Microsoft Copilot worth the price?
Copilot Chat is free, and for individuals Microsoft 365 Premium, which includes Copilot, is $19.99 a month or $199.99 a year.
Enterprise Microsoft 365 Copilot is $30 per user per month paid yearly ($31.50 paid monthly).
Pricing Plans
Free TrialFree
- Web chat
- Bing search integration
- Image generation
- Edge integration
Microsoft 365 Premium
$19.99 / month
$199.99/year billed annually
- Copilot in Word, Excel, PowerPoint, Outlook and OneNote desktop apps
- Extensive Copilot usage and AI image creation
- Researcher and Analyst agents
- 1 TB of cloud storage per person, shareable with up to 5 others
- Microsoft Defender and ad-free Outlook with 100 GB mailbox
Microsoft 365 Copilot Business (add-on)
$21/user/month, paid yearly
Add-on for existing Microsoft 365 Business plans; $18 first-year promo until 31 Dec 2026; $25.20/user/month on a monthly subscription
- Copilot in Word, Excel, PowerPoint, Outlook and Teams
- AI chat grounded in your work data
- Pre-built agents for research and data analysis
- Enterprise data protection and admin controls
Microsoft 365 Copilot (Enterprise)
$30/user/month, paid yearly
For Microsoft 365 enterprise plans; $31.50/user/month paid monthly (annual commitment)
- Full M365 integration
- Work context awareness
- Teams integration
- Enterprise security
- Admin controls
Hidden Costs & Gotchas
The Business add-on needs an existing Microsoft 365 Business plan
The $18 promo applies to the first year only, with an annual commitment
Advanced AI features (Cowork, Autopilot, Work IQ APIs) are billed on usage
Monthly subscription costs about 20% more than paying yearly
How Microsoft Copilot compares
6 of 6 direct competitors offer a free plan.
| Tool | Starting price | Free plan |
|---|---|---|
| Microsoft Copilot | $19.99/mo | Yes |
| Google Gemini | $4.99/mo | Yes |
| ChatGPT | $8/mo | Yes |
| Claude | $20/mo | Yes |
| Cursor | $8/mo, billing unit not specified | Yes |
| AnythingLLM | $50/mo, billing unit not specified | Yes |
| Sapling | $15/mo per user | Yes |
Microsoft Copilot Pricing FAQ
How much does Microsoft Copilot cost?
Microsoft Copilot starts at $19.99/mo on the Microsoft 365 Premium plan. It offers 3 paid tiers ranging from $19.99/mo to $30/mo per user. A free plan is also available.
Does Microsoft Copilot have a free plan?
Yes. Microsoft Copilot offers a free plan called "Free". It includes: Web chat, Bing search integration, Image generation.
Does Microsoft Copilot offer a free trial?
Yes. Microsoft Copilot offers a free trial.
What is the cheapest Microsoft Copilot paid plan?
The cheapest paid plan for Microsoft Copilot is "Microsoft 365 Premium" at $19.99/mo. Key features include: Copilot in Word, Excel, PowerPoint, Outlook and OneNote desktop apps, Extensive Copilot usage and AI image creation, Researcher and Analyst agents.
What are alternatives to Microsoft Copilot?
Alternatives to Microsoft Copilot include Google Gemini, ChatGPT, Claude, Cursor. Google Gemini starts at $4.99/mo; ChatGPT starts at $8/mo; Claude starts at $20/mo.
How much does Microsoft Copilot cost for a team of 10?
For 10 users on the Microsoft 365 Copilot Business (add-on) plan, Microsoft Copilot is $210/month, or $2,520/year, at the published per-user rate.
Microsoft Copilot alternatives
Direct competitors. Starting prices match the table above.
Sources
- Official Microsoft Copilot pricing: www.microsoft.com/en-us/microsoft-365/copilot/business (verified Nov 2026)
- Cite this data: Toolradar, Microsoft Copilot pricing verified Nov 2026, toolradar.com/tools/microsoft-copilot/pricing
Review Microsoft Copilot, get a free AI guide
Share your experience and we will send you Improve Your Thinking Patterns Using ChatGPT, free.