We may earn a commission if you buy through links on this page. It never changes a score or a ranking. How we make money
Paid plans start at $16.67/mo. There's also a free plan.
Microsoft Copilot has a free plan, while the lowest listed paid price is $16.67 per month when Microsoft 365 Premium is billed annually. Premium costs $19.99 monthly; Copilot Pro is $20 per user monthly. Business and enterprise plans require qualifying Microsoft 365 licenses, and Copilot Studio starts at $200 per tenant monthly. The pricing page does not publish exact message caps for several plans, so the listed price may not tell you how much access you will get.
01Every plan, line by line
| Plan | Billed annually | Billed monthly | Built for |
|---|---|---|---|
| Microsoft Copilot (Free) | — | $0 | People who want free AI access |
| Microsoft Copilot Pro | — | $20 | Individuals seeking higher Copilot access |
| Microsoft 365 Premium | $16.67 | $19.99 | Individuals or families using Microsoft 365 |
| Microsoft 365 Copilot Business | $21 | $25.20 | Businesses with up to 300 seats |
| Microsoft 365 Copilot (Enterprise) | $30 | $31.50 | Organizations with qualifying enterprise licenses |
| Microsoft Copilot Studio | — | $200 | Teams building custom Copilot agents |
Add-ons and overages
- Copilot Pro requires a separate qualifying Microsoft 365 Personal or Family subscription for Copilot in desktop Office apps; cost not published.
- Business Copilot requires an underlying Microsoft 365 Business plan; overage costs not published.
- Enterprise Copilot is an add-on to qualifying enterprise licenses; overage costs not published.
- Copilot Studio: additional capacity is $200 per month per 25,000 messages, or pay-as-you-go overage is approximately $0.01 per additional message or credit.
What a team pays per month
| Plan | 1 seat | 5 seats | 10 seats | 25 seats |
|---|---|---|---|---|
| Microsoft Copilot Pro | $20 | $100 | $200 | $500 |
| Microsoft 365 Copilot Business (max. 300) | $21 | $105 | $210 | $525 |
| Microsoft 365 Copilot (Enterprise) | $30 | $150 | $300 | $750 |
02What the plan grid doesn't tell you
Required Microsoft 365 licenses
Business and enterprise Copilot require qualifying base licenses. Copilot Pro also needs a separate qualifying Personal or Family subscription for Copilot in desktop Office apps; its cost is not published.
Unpublished usage caps
Exact message limits are not published for Free, Business, or Enterprise plans. Free access may be limited at peak hours.
Studio capacity overages
Studio includes 25,000 messages monthly. Another 25,000-message block costs $200 monthly; pay-as-you-go overage is approximately $0.01 per additional message or credit.
Business annual pricing
Business rates require an annual commitment. The listed $18 promotional rate runs through December 31, 2026; overage costs are not published.
03Which plan should you buy?
| If you are… | Get | Why |
|---|---|---|
| People who want free access | Microsoft Copilot (Free) | It costs nothing and includes 15 Designer image boosts per day, but peak-hour access may be limited. |
| Individuals using Microsoft 365 | Microsoft 365 Premium | It costs $19.99 monthly or $16.67 monthly billed yearly, with higher Copilot and image-generation limits than standard tiers. |
| Teams building custom agents | Microsoft Copilot Studio | It includes 25,000 messages per tenant monthly and unlimited user access; extra capacity costs $200 per 25,000 messages. |
04Is Microsoft Copilot worth the money?
Copilot is worth considering if you want an AI assistant alongside Microsoft workflows, and the free plan offers a no-cost way to access basic features. Paid pricing is less straightforward: business and enterprise customers need qualifying licenses, while several message caps and overage costs are not published. Premium's annual price is lower than its monthly rate, but Copilot features apply only to the subscription owner. We would compare the full license cost and access limits before switching or committing.
Microsoft Copilot pricing FAQ
How much does a Microsoft 365 subscription cost?
Microsoft 365 Premium is listed at $19.99 monthly or $199.99 yearly, equivalent to $16.67 per month. Microsoft 365 Copilot Business is $25.20 per user monthly or $21 with annual commitment; Enterprise is $31.50 monthly or $30 annually, before any required base-license costs.
Is Copilot as good as ChatGPT?
The published pricing and product information does not establish which assistant performs better. It lists Copilot features including web search, answers, summaries, content creation, and image generation. Compare the tasks and plans you need; Copilot's published message caps are unclear for several paid tiers.
How does Copilot pay-as-you-go work?
The listed pay-as-you-go option applies to Copilot Studio: additional usage is approximately $0.01 per additional message or credit. Studio also offers a $200 monthly block for another 25,000 messages per tenant. The published pricing does not detail other pay-as-you-go terms.
How much does a Copilot Cowork credit cost?
A Copilot Cowork credit price is not published on the vendor's site. The listed approximate $0.01 rate is for additional Copilot Studio messages or credits, so it should not be treated as a Cowork credit price.