Copilot Price: Plans, Monthly Cost & Price History

Searches for the price of Copilot often land on a confusing answer, because Microsoft sells Copilot in several places. The free Copilot app is one product. Copilot inside Word, Excel, PowerPoint, and Outlook is another, and Microsoft attaches it to its paid Microsoft 365 plans. This page covers the paid individual plans, since that is where the price you pay changes.

The figures come from Microsoft, checked on Oct 13, 2026. Plan names, prices, and usage limits shift often as Microsoft adjusts how much AI each plan includes, so verify them on Microsoft's individual plans page before you buy.

Microsoft lists four monthly plans for individuals and families. Premium is the one labeled for AI and productivity on Microsoft's page, and the top plan, Pro, is labeled for the highest usage limits.

If your goal is to use Copilot inside the Office apps, Premium is the plan Microsoft points to, at $19.99/mo on this list. Personal and Family appear on the same Copilot page. The difference between plans is mostly how much AI you can use, so read Microsoft's comparison before assuming a cheaper plan has the same limits.

Pro is a different kind of purchase. At $99.99/mo it costs several times more than the other plans and bills monthly only, according to Microsoft's page. It is aimed at heavy users who run into usage caps on the lower tiers.

Microsoft also lists annual prices for three of the four plans. Pro is monthly billing only, so it has no annual line.

To see what the annual plan saves, divide the yearly price by twelve and compare it with the monthly price for the same plan. The annual option asks you to pay all at once and can only be changed at renewal, so it suits people who already know they will use the AI features all year.

• Occasional drafting or summarizing: start with the free Copilot app, or with Personal if you also want the Office apps. Look at Microsoft's usage limits to see if they cover your habits.
• Regular AI help in Word, Excel, and PowerPoint for one person: Premium is the plan Microsoft markets for this.
• A household that shares a subscription: Family covers multiple people under one plan. Check how many people it includes and whether each person gets the same AI limits.
• Constant, heavy use for work: Pro exists for people who hit the limits elsewhere, but its price means it is worth testing a cheaper plan first.

Business and school accounts follow separate pricing that Microsoft sets per user, and those prices are not covered here.

Sales tax is added in many locations. Promotional pricing for new subscribers, trials, and student or education offers can change the first payment without changing the list price. Billing through a third party, such as a carrier or an app store, may follow different terms from billing directly with Microsoft.

The price you see also depends on the country. Microsoft shows local currency and local pricing for other markets, so a page opened from outside the United States can display different amounts than the ones listed here.

You can change or cancel a Microsoft 365 subscription from your Microsoft account's services and subscriptions page. If you cancel, access normally continues until the end of the period you already paid for. Switching to a different plan can change the price from the next billing date, so check what the account page says before you confirm.