Microsoft Copilot pricing
Microsoft Copilot has a free plan. Paid plans start at $9.99 per month, or $99.99 per year (Microsoft 365 Personal).
Plans and prices
- Starts at
- $9.99 per month, or $99.99 per year (Microsoft 365 Personal)
- 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 | $9.99per 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 | $12.99per 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 | $19.99per month, or $199.99 per year | Extensive Copilot usage, the Researcher and Analyst agents, and limited usage of agentic AI. |
| Microsoft 365 Pro | $99.99per month, monthly billing only | Everything in Premium with the highest usage limits for chat, agentic AI, voice and vision. |
Read from microsoft.com on Oct 5, 2026. Prices change, so confirm with Microsoft Copilot before you buy.
Ways to pay less for Microsoft Copilot
- Annual discountSave up to 17% with yearly billing
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.
Stated on microsoft.com - EducationStudent offers on Microsoft 365
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.
Stated on microsoft.com - Other savingsMicrosoft Workplace Discount Program
Microsoft offers savings on select Microsoft 365 subscriptions through eligible employers, using a valid work email address.
Stated on microsoft.com
How Microsoft Copilot's price compares
| Tool | Starts at | Free plan | |
|---|---|---|---|
| Microsoft Copilot | $9.99 per month, or $99.99 per year (Microsoft 365 Personal) | Yes | |
| ChatGPT | $8 per month (Go) | Yes | Compare |
| Gemini | $4.99 per month (Google AI Plus) | Yes | Compare |
| Claude | $17 per month with an annual subscription ($200 billed up front) | Yes | Compare |
| Grok | $10.00 (SuperGrok Lite, US App Store; billing period not shown) | Yes | Compare |
| Meta AI | $7.99 per month (Meta One Core) | Yes | Compare |
Each price is the vendor’s own, with its billing basis as stated. Check dates are on each tool’s page.
Microsoft Copilot pricing questions
Is Microsoft Copilot free?
Microsoft Copilot has a 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. Paid plans start at $9.99 per month, or $99.99 per year (Microsoft 365 Personal).
How much does Microsoft Copilot cost?
Microsoft Copilot lists 5 plans. Free: $0. Microsoft 365 Personal: $9.99 per month, or $99.99 per year. Microsoft 365 Family: $12.99 per month, or $129.99 per year. Microsoft 365 Premium: $19.99 per month, or $199.99 per year. Microsoft 365 Pro: $99.99 per month, monthly billing only. Prices were read from microsoft.com on Oct 5, 2026.
Does Microsoft Copilot have a free trial?
Yes. One-month free trial of Microsoft 365 Personal, Family and Premium; terms vary by offer and region.
Is Microsoft Copilot cheaper with annual billing?
Save up to 17% with yearly billing. 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.
Does Microsoft Copilot have a student or education discount?
Student offers on Microsoft 365. 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.
When were Microsoft Copilot's prices last checked?
On Oct 5, 2026, against microsoft.com. Vendors change prices without notice, so confirm on their site before you buy.