# Microsoft Copilot

> Microsoft's AI assistant for chat, images and Microsoft 365 apps

Microsoft Copilot is Microsoft's AI assistant for chat, web-grounded answers, image creation and voice conversations. It runs in a browser and in apps for Windows, macOS, iOS and Android, and paid Microsoft 365 plans put it inside Word, Excel, PowerPoint and Outlook. A limited free version is available; the Researcher and Analyst agents need Microsoft 365 Premium or Pro.

- **Category:** AI Assistants
- **Made by:** Microsoft (since 2023)
- **Website:** https://copilot.microsoft.com
- **Runs on:** Web, Windows, macOS, iOS, Android
- **Facts last checked:** Oct 5, 2026

## Pricing

Microsoft Copilot has a free plan. Paid plans start at $9.99 per month, or $99.99 per year (Microsoft 365 Personal).

- **Pricing model:** Free plan
- **Free plan:** A limited free version of Copilot, subject to available capacity and usage limits. Signing in adds chat history, more image creation, longer conversations and longer voice use.
- **Free trial:** One-month free trial of Microsoft 365 Personal, Family and Premium; terms vary by offer and region.

| Plan | Price | What you get |
| --- | --- | --- |
| Free | $0 | Chat, web-grounded answers, image creation and voice, subject to available capacity and usage limits. |
| Microsoft 365 Personal | $9.99 per month, or $99.99 per year | For 1 person: higher Copilot usage than free, Copilot in the Word, Excel, PowerPoint and Outlook desktop apps, and 1 TB of cloud storage. |
| Microsoft 365 Family | $12.99 per month, or $129.99 per year | Everything in Personal for 1 to 6 people, with 1 TB of storage each. Copilot AI features are for the subscription owner only. |
| Microsoft 365 Premium | $19.99 per month, or $199.99 per year | Extensive Copilot usage, the Researcher and Analyst agents, and limited usage of agentic AI. |
| Microsoft 365 Pro | $99.99 per month, monthly billing only | Everything in Premium with the highest usage limits for chat, agentic AI, voice and vision. |

Read from https://www.microsoft.com/en-us/copilot/pricing/individuals on Oct 5, 2026. Prices change, so confirm with Microsoft Copilot before buying.

## Ways to pay less

- **Save up to 17% with yearly billing** (Annual discount): Microsoft's pricing page lists Personal at $99.99, Family at $129.99 and Premium at $199.99 per year, a saving of up to 17% against paying monthly. Pro is monthly only. Source: https://www.microsoft.com/en-us/copilot/pricing/individuals
- **Student offers on Microsoft 365** (Education): Microsoft says eligible college students may qualify for discounted Microsoft 365 subscriptions, and some get free access through their school. Offers vary by institution and region. Source: https://www.microsoft.com/en-us/copilot/solutions/individuals
- **Microsoft Workplace Discount Program** (Other savings): Microsoft offers savings on select Microsoft 365 subscriptions through eligible employers, using a valid work email address. Source: https://www.microsoft.com/en-us/copilot/solutions/individuals

## Key features

- **Chat with web-grounded answers:** Helps with writing, brainstorming and summarizing in a chat, and gives real-time answers based on web search.
- **Voice and Vision:** Spoken conversations, plus visual help from your screen or camera. Usage is standard on Personal and Family, higher on Premium and highest on Pro.
- **Image generation:** Creates images inside Copilot. The allowance rises from standard usage on Personal and Family to extensive use on Premium and Pro.
- **Researcher and Analyst:** Researcher finds and synthesizes information, and Analyst works through raw data. Both are unavailable on Personal and Family and included with Premium and Pro.
- **Copilot in Microsoft 365 apps:** Paid plans add Copilot to the Word, Excel, PowerPoint and Outlook desktop apps to draft, edit and summarize documents and email.
- **Cowork and model choice:** Cowork takes on a multi-step project and returns finished files, and you can switch between OpenAI and Anthropic models. Microsoft notes some capabilities need specific licenses.

## Good for

- People who already work in Word, Excel, PowerPoint and Outlook
- Windows 11 users: the Copilot app comes installed on new PCs
- Households that want Office apps and cloud storage in the same plan

## Worth knowing

- The free version is subject to available capacity and limits, and the pricing page does not give the numbers.
- Researcher and Analyst are not available on Microsoft 365 Personal or Family; they need Premium at $19.99 a month or Pro.
- On Microsoft 365 Family, AI features are available only to the subscription owner and cannot be shared with other members.
- According to Wikipedia, Microsoft said in August 2026 it would merge the consumer and Microsoft 365 Copilot apps and remove Mico, Deep Research and group chats.

## Works with

Word, Excel, PowerPoint, Outlook, Teams, OneNote, OneDrive, Microsoft Edge

**Tags:** Chat assistant, AI search, AI agents, Research, AI features

## Alternatives

- [ChatGPT](https://toolgpa.com/tools/chatgpt): OpenAI's general-purpose AI assistant for chat, images and voice. [Compare](https://toolgpa.com/compare/chatgpt-vs-microsoft-copilot)
- [Gemini](https://toolgpa.com/tools/gemini): Google's AI assistant, tied into Gmail, Docs and other Google apps. [Compare](https://toolgpa.com/compare/gemini-vs-microsoft-copilot)
- [Claude](https://toolgpa.com/tools/claude): Anthropic's AI assistant for writing, analysis and coding. [Compare](https://toolgpa.com/compare/claude-vs-microsoft-copilot)
- [Grok](https://toolgpa.com/tools/grok): AI assistant with live X and web search, images, video and voice. [Compare](https://toolgpa.com/compare/grok-vs-microsoft-copilot)
- [Meta AI](https://toolgpa.com/tools/meta-ai): Meta's free AI assistant across its apps, the web and AI glasses. [Compare](https://toolgpa.com/compare/meta-ai-vs-microsoft-copilot)

## Sources

The prices, plans, platforms and features above were read from these pages on Oct 5, 2026:

- https://www.microsoft.com/en-us/copilot/pricing/individuals
- https://www.microsoft.com/en-us/copilot/solutions/individuals
- https://copilot.microsoft.com
- https://www.microsoft.com/en-us/copilot/download-copilot-app
- https://support.microsoft.com/en-us/microsoft-copilot/getting-started-with-microsoft-copilot
- https://support.microsoft.com/en-us/microsoft-365-copilot/ai-credits-and-limits-for-microsoft-365-subscriptions
- https://support.microsoft.com/topic/understanding-the-different-microsoft-copilot-experiences-cfff4791-694a-4d90-9c9c-1eb3fb28e842
- https://apps.apple.com/us/app/microsoft-copilot/id541164041
- https://en.wikipedia.org/wiki/Microsoft_Copilot

Page: https://toolgpa.com/tools/microsoft-copilot
Listed by ToolGPA (toolgpa.com).