Microsoft Copilot Pricing 2026
Complete pricing breakdown for 2026. Compare 4 plans , including the free tier.
$20
Starting Price
4
Plans Available
14%
Annual Savings
Pricing verified: April 2026
Microsoft Copilot Plans & Pricing
Monthly
Annual
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Copilot Chat
$ 0 /mo
- Free AI chat at copilot.microsoft.com
- Web search and image generation
- Available to all Microsoft Entra account users with an eligible Microsoft 365 subscription
- Limited daily message quota; no AI inside Office apps
Most Popular
Copilot Pro
$ 20 /mo
- Priority access to latest models and Think Deeper reasoning
- AI features in Word, Excel, PowerPoint, Outlook (with Microsoft 365 Personal or Family)
- 100 image-generation boosts per day with Designer
- Copilot in OneNote and Loop
- Consumer plan; flat monthly pricing, no annual discount
Microsoft 365 Copilot for Business
$ 21 /mo
- $18/user/month annual (promotional through June 30, 2026; standard $21)
- $18.90/user/month with annual commitment paid monthly
- $25.20/user/month month-to-month
- Enterprise data protection; conversations not used for model training
- Admin controls and usage analytics
- Requires qualifying Microsoft 365 Business plan
Microsoft 365 Copilot (Enterprise)
$ 30 /mo
- $30/user/month billed annually; add-on to Microsoft 365 E3, E5, Business Standard, or Business Premium
- Deep reasoning agents (Researcher, Analyst)
- Model choice and Copilot Tuning
- Copilot Studio for custom agent building
- Role-based AI solutions for sales, service, and finance
- Advanced security, compliance, and audit logs
Pricing Highlights
Starting Price $20/mo
Free Tier Available
Free Trial Not Listed
Annual Discount 14% Off
Is Microsoft Copilot Worth It?
Microsoft Copilot is the AI assistant for organizations already invested in Microsoft 365. Pro ($20/month) unlocks AI in Office apps. Business ($21/month) adds data protection. Enterprise ($30/month) brings custom agents and compliance. The free tier handles basic chat but skips the deep app integrations that justify the price.
2+ hours
saved per week on average
Microsoft Copilot vs Competitors Pricing
| Tool | Starting Price | Free Tier | Free Trial | Annual Discount | |
|---|---|---|---|---|---|
| $20/mo | Yes | — | 14% | ||
| $8/mo | Yes | — | 17% | ||
| $20/mo | Yes | — | 15% | ||
| $20/mo | Yes | — | 15% | ||
| $20/mo | Yes | — | 15% |
Microsoft Copilot Pricing FAQ
How much does Microsoft Copilot cost?
Microsoft Copilot pricing plans: Copilot Chat (Free), Copilot Pro at $20/mo, Microsoft 365 Copilot for Business at $21/mo, Microsoft 365 Copilot (Enterprise) at $30/mo.
Does Microsoft Copilot have a free plan?
Yes, Microsoft Copilot offers a free tier that includes Free AI chat at copilot.microsoft.com, Web search and image generation, Available to all Microsoft Entra account users with an eligible Microsoft 365 subscription. Upgrade to paid plans for full access and higher limits.
Is there a Microsoft Copilot annual discount?
Yes, Microsoft Copilot offers 14% off when you pay annually. This brings the effective monthly cost down significantly for committed users.
Which Microsoft Copilot plan is best for teams?
For teams, we recommend the Microsoft 365 Copilot for Business plan. Key features include $18/user/month annual (promotional through June 30, 2026; standard $21) and $18.90/user/month with annual commitment paid monthly. It provides collaboration features and higher usage limits suited for team workflows.
Can I cancel Microsoft Copilot anytime?
Yes, Microsoft Copilot subscriptions can typically be cancelled anytime. Monthly plans end at the billing cycle; annual plans may have different terms. Check their terms of service for refund policies.
Is Microsoft Copilot worth the price?
Based on our research, Microsoft Copilot provides strong value for Teams already using Microsoft 365. Users report saving 2+ hours per week, often justifying the subscription cost within the first month. The free tier lets you evaluate the tool before upgrading.