Microsoft 365 Copilot Prices, limits and access
Microsoft's AI assistant integrated into Word, Excel, PowerPoint, Outlook, and Teams, plus web-based chat.
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At a Glance
Microsoft 365 Copilot is an AI tool for Assistants & workspaces (category: Productivity). Free access: Free plan. Documented: 3 plans with prices and limits.
- Category
- Assistants & workspaces
- Paid from
- $18 / Month (Business-Add-on)
- Free Option
- Free plan
- Plans
- 3
- Sources
- 10 verified sources
Category: Productivity · Assistants & workspaces
Features
The $30 full tier requires a separate qualifying Microsoft 365 license on top, and no trial is available. Cancelling deletes all associated data. Users on the free Copilot Chat tier can build custom agents but pay metered usage charges for them, while full-license users get unlimited custom-agent access.
- Full Copilot access for enterprise licenses
- Full Copilot access for SMB, up to 300 users
- Web-based chat without access to personal files
- Microsoft's AI assistant integrated into Word, Excel, PowerPoint, Outlook, and Teams
Prices and plans
United States
| Tier | Price | Period | What you get |
|---|---|---|---|
| Copilot Chat | freeBilling period: monthly | Month | Web-based chat without access to personal files |
| Business-Add-on | $18Billing period: monthly | Month | Full Copilot access for SMB, up to 300 users New Microsoft 365 Copilot Business purchases turn usage-based billing on by default: 2026-10-19 for direct purchases on the web or in the admin center, and 2026-12-01 through CSP. The default spending policy is 4000 Copilot Credits per user per month and charges only when eligible usage-based experiences are used. Existing Business benefits and payment terms stay, and an existing spending policy stays. Buying a new Business seat in an existing tenant turns usage-based billing on for that tenant's Microsoft 365 Copilot subscriptions. Not available at first in Australia, Belgium, Brazil, France, Germany, India, Italy, Korea, the Netherlands, Poland, and Spain. The seat price is separate. These pages do not state a USD price per credit. |
| Enterprise-Add-on | Not verified for this marketBilling period: monthly | Month | Full Copilot access for enterprise licenses |
Prices as stated by the provider, usually plus statutory VAT. The final price depends on your country and is shown by the provider.
Prices last checked: 2026-10-09
Independent price alert from AI Compare Ninja
Limits
- Microsoft 365 Copilot Chat is included free with qualifying E3/E5/Business licenses (web-based, no access to personal files).
- The full Copilot add-on costs $30/user/month (Enterprise, annual) or $18/user/month (Business, promo through December 2026, regularly $21).
- The former standalone consumer tier Copilot Pro was discontinued October 1, 2025 and folded into Microsoft 365 Premium (~$19.99/month).
- Listed separately from GitHub Copilot (coding) and Power BI Copilot (BI).
- New Microsoft 365 Copilot Business purchases turn usage-based billing on by default: 2026-10-19 for direct purchases on the web or in the admin center, and 2026-12-01 through CSP.
- The default spending policy is 4000 Copilot Credits per user per month and charges only when eligible usage-based experiences are used.
- Existing Business benefits and payment terms stay, and an existing spending policy stays.
- Buying a new Business seat in an existing tenant turns usage-based billing on for that tenant's Microsoft 365 Copilot subscriptions.
- Not available at first in Australia, Belgium, Brazil, France, Germany, India, Italy, Korea, the Netherlands, Poland, and Spain.
- The seat price is separate.
- These pages do not state a USD price per credit.
Prompts for Microsoft 365 Copilot
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How we compare
We compare free access, paid entry, plan limits, features and the listed official sources. Unsourced figures stay marked as not published.
Only confirmed entries appear in the catalog. Prices, plans and limits come from listed official vendor pages. Missing figures stay marked as not published. Search results are ordered by Task match by default; category and task lists are alphabetical. Both can be switched to Free access first; neither is a quality ranking. The vendor page always wins.
Edited and checked by the AI Compare Ninja team
Sources
All details regarding plans, limits, and features are based on official vendor documentation and the primary sources verified below.
- microsoft.com/en-us/microsoft-365-copilot
- microsoft.com/en-us/microsoft-365-copilot/pricing/enterprise
- microsoft.com/es-es/microsoft-365-copilot/pricing
- microsoft.com/pt-br/microsoft-365-copilot/pricing
- microsoft.com/es-es/microsoft-365-copilot/pricing/enterprise
- microsoft.com/pt-br/microsoft-365-copilot/pricing/enterprise
- microsoft.com/en-us/copilot/pricing/business-without-teams
- learn.microsoft.com/en-us/partner-center/announcements/2026-october
- learn.microsoft.com/en-us/microsoft-365/copilot/user-subscription-license-usage-based-billing
- mc.changecockpit.cloud/change/MC1476200
FAQ
Is Microsoft 365 Copilot available for free?
Yes. A permanently free plan is published, not a time-limited trial.
Where is the vendor of Microsoft 365 Copilot based?
Microsoft is based in the USA. Regardless of that location, data processing and privacy terms are governed by the vendor's own contract.
How is Microsoft 365 Copilot billed?
Microsoft 365 Copilot Chat is included free of charge in qualifying E3/E5/Business licenses (web-based, without access to personal files). The full Copilot add-on costs $30/user/month (Enterprise, annual) or $18/user/month (Business, promo until December 2026, regularly $21). The former consumer standalone tier Copilot Pro was discontinued on October 1, 2025 and integrated into Microsoft 365 Premium (~$19.99/month). Separate catalog entry, distinct from GitHub Copilot (coding) and Power BI Copilot (BI). New Microsoft 365 Copilot Business purchases turn usage-based billing on by default: 2026-10-19 for direct purchases on the web or in the admin center, and 2026-12-01 through CSP. The default spending policy is 4000 Copilot Credits per user per month and charges only when eligible usage-based experiences are used. Existing Business benefits and payment terms stay, and an existing spending policy stays. Buying a new Business seat in an existing tenant turns usage-based billing on for that tenant's Microsoft 365 Copilot subscriptions. Not available at first in Australia, Belgium, Brazil, France, Germany, India, Italy, Korea, the Netherlands, Poland, and Spain. The seat price is separate. These pages do not state a USD price per credit.
What is “Microsoft” on my bank or card statement?
According to our catalog data, Microsoft is the company behind Microsoft 365 Copilot, so a charge under this name may come from a subscription or purchase at Microsoft 365 Copilot. The exact wording on a bank or card statement is set by the vendor and its payment provider; it can differ and is not recorded here. The invoices in your Microsoft 365 Copilot account help to match the charge; for an unknown charge, contact your bank.
What plans does Microsoft 365 Copilot offer?
The catalog documents 3 plans with price, billing period, and included features.
Is Microsoft 365 Copilot currently available?
Microsoft 365 Copilot is active.
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Microsoft 365 Copilot and related names are trademarks or identifiers of their respective owners (Microsoft). They are named solely for descriptive purposes in an independent comparison. AI Compare Ninja has no business relationship, partnership or affiliation with Microsoft.