Microsoft Copilot pricing & review
Microsoft's assistant; paid AI features come with Microsoft 365 plans.
Is Microsoft Copilot worth it?
Cheaper option: Google Gemini at $4.99/mo (monthly prices, same job: general AI chatbot). Tier note: $9.99/mo is Microsoft 365 Personal, below Microsoft 365 Premium ($19.99/mo); against full-tier plans like Claude Pro we compare its Microsoft 365 Premium plan ($19.99/mo).
- Cheapest plan we checked
- $9.99/mo monthly
- All plans we listed
- Copilot Pro no longer sold; Microsoft 365 Personal $9.99/mo ($99.99/yr); Microsoft 365 Premium $19.99/mo ($199.99/yr), advanced Copilot (US prices)
- Real free plan
- Yes — Free Copilot available
- ToolPick Best Value pick
- No
- Cheapest same-job alternative (general AI chatbot)
- Monthly: Google Gemini $4.99/mo — $5/mo less
- Best real-free alternative
- Le Chat (Mistral) — Free plan with limited access
- What it does (main job first)
- general AI chatbot (see every tool that does it)
- Categories
- AI Assistants
Prices checked 2026-10-20 on the official pricing page · Full cost calculator. Verdict rule, the same on every page: 1) we look for a tool that does the same main job (general AI chatbot) with a lower checked price on the same billing (monthly with monthly, yearly with yearly) and name the cheapest; 2) if there is none, we say so; 3) the Best Value label is shown separately and never replaces the price answer. No ratings or reviews.
Student & teacher offer: 50% off Microsoft 365 Personal (includes Copilot) (students) — checked 2026-10-24 · All AI student discounts →
Looking for something else? See 4 Microsoft Copilot alternatives that do the same job →
Buying for a team? Microsoft Copilot Microsoft 365 Copilot Business (add-on): $25.20/seat monthly · $21/seat billed yearly (checked 2026-10-26), so a team of 5 pays $126/mo monthly. Team costs for your team size →
Trains on your data? Free & personal plans: doesn't train by default. Team & business: protected by default. (checked 2026-10-29) Privacy details →
Which Microsoft Copilot plan should I pick?
- A few times a week: Copilot (free), $0. Free Copilot covers general questions with limited usage.
- Every day for work: Microsoft 365 Personal, $9.99/mo ($99.99/yr). Personal adds Copilot in Word, Excel, PowerPoint and Outlook with higher usage than free.
- All day or with agents: Microsoft 365 Premium, $199.99/yr ($19.99/mo). Microsoft recommends Premium for most freelancers: extensive AI usage plus the Researcher and Analyst agents.
Limit resets: AI credits are a monthly allotment. Feature limits reset after a time period Microsoft doesn't state. At the limit: Microsoft notifies you in the app. Checked 2026-11-03. Compare usage limits across 8 AI tools →
Why trust this pick
- How we picked
- Picked from the tool's official pricing page and stated features, compared with other tools that do the same main job. Not hands-on tested by ToolPick.
- Price on 2026-10-20
- Copilot Pro no longer sold; Microsoft 365 Personal $9.99/mo ($99.99/yr); Microsoft 365 Premium $19.99/mo ($199.99/yr), advanced Copilot (US prices) (from the official pricing page)
- Price history
- Tracked since 2026-10-14; listed price changed on 2026-10-21.
- Money
- We earn nothing from this pick: no affiliate link, no sponsorship, no payment from the vendor.
- One real limitation
- The lowest price is a lighter tier: $9.99/mo is Microsoft 365 Personal, below Microsoft 365 Premium ($19.99/mo).
Check the official pricing page · How we pick · Price changes log
Visit Microsoft Copilot official site
Alternatives that do the same main job (general AI chatbot)
Claude · ChatGPT · Google Gemini · Le Chat (Mistral)
Comparisons
FAQ
How much does Microsoft Copilot cost?
Per its official pricing page (checked 2026-10-20): Copilot Pro no longer sold; Microsoft 365 Personal $9.99/mo ($99.99/yr); Microsoft 365 Premium $19.99/mo ($199.99/yr), advanced Copilot (US prices).
Does Microsoft Copilot have a free plan?
Free Copilot available (checked 2026-10-20).
Is there a cheaper alternative to Microsoft Copilot?
Cheaper option: Google Gemini at $4.99/mo (monthly prices, same job: general AI chatbot). Tier note: $9.99/mo is Microsoft 365 Personal, below Microsoft 365 Premium ($19.99/mo); against full-tier plans like Claude Pro we compare its Microsoft 365 Premium plan ($19.99/mo) (ToolPick verdict from prices checked on official pricing pages).
Writing about this? Embed this price card — it updates when we re-check prices.