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Microsoft 365 Copilot pricing
Short answer: Per Microsoft 365 Copilot's pricing page (checked October 21, 2026): From $18/user/mo (annual, promo). All 3 listed plans and options are below.
Microsoft 365 Copilot plans and prices
| Plan | Price | Note |
|---|---|---|
| Microsoft 365 Copilot Business (add-on) | $18/user/month paid yearly (promotional; normally $21) or $25.20 monthly | for existing eligible Microsoft 365 Business customers |
| Microsoft 365 Business Standard with Copilot | $23.50/user/month paid yearly or $28.20 monthly | |
| Microsoft 365 Business Premium with Copilot | $32.00/user/month paid yearly or $38.40 monthly |
Prices as of October 21, 2026, in USD, as listed on Microsoft 365 Copilot's pricing page. Vendors change prices often; confirm before you buy.
- Microsoft says the add-on discount runs July 1 to December 31, 2026, applies to the first year only and requires an annual commitment.
- Some advanced AI features are billed by usage on top of the license.
What drives your Microsoft 365 Copilot bill
- Priced per user (or per advisor/seat), so cost grows with headcount.
- Annual billing or an annual term applies to some or all plans.
- Monthly billing is available on some plans but costs more than paying annually.
- Some features are paid add-ons rather than included.
- At least one price shown is promotional or introductory and may rise later.
Example: At the listed rate, 3 people on Microsoft 365 Copilot Business (add-on) would cost $54/month ($648/year), before taxes, add-ons, setup fees or discounts.
Before you buy
- Budget for usage-based billing on advanced features like Cowork and Autopilot.
- Promotional pricing ends December 31, 2026 and applies to year one.
- Check that your archiving covers Teams and Copilot content.
Microsoft 365 Copilot pricing vs alternatives
| Tool | Starting price | Free option | Details |
|---|---|---|---|
| Microsoft 365 Copilot | From $18/user/mo (annual, promo) | None listed | Pricing details |
| ChatGPT | Free; paid from $8/mo | Free plan available to everyone. | Pricing details |
| Gemini | Free; paid from $4.99/mo | Free with a Google Account. | Pricing details |
| Claude | Free; Pro from $17/mo | Free plan available. | Pricing details |
List prices from each vendor's website as of October 21, 2026.
More: Microsoft 365 Copilot review · Microsoft 365 Copilot alternatives · Best general AI assistants tools
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FAQ
How much does Microsoft 365 Copilot cost?
Microsoft 365 Copilot Business (add-on): $18/user/month paid yearly (promotional; normally $21) or $25.20 monthly; Microsoft 365 Business Standard with Copilot: $23.50/user/month paid yearly or $28.20 monthly; Microsoft 365 Business Premium with Copilot: $32.00/user/month paid yearly or $38.40 monthly. Prices as of October 21, 2026.
Does Microsoft 365 Copilot have a free plan or trial?
Microsoft 365 Copilot's pricing page doesn't list a free plan or trial as of October 21, 2026. Ask the vendor about demos or pilots.
What should I ask Microsoft 365 Copilot about pricing?
Budget for usage-based billing on advanced features like Cowork and Autopilot. Promotional pricing ends December 31, 2026 and applies to year one. Check that your archiving covers Teams and Copilot content.