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Microsoft 365 Copilot logo

Microsoft 365 Copilot

Microsoft's AI assistant integrated into Word, Excel, PowerPoint, Outlook, and Teams, plus web-based chat.

Free accessFree plan
Paid fromBusiness-Add-onFull Copilot access for SMB, up to 300 users

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
Website
microsoft.com (opens in a new tab)

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.

Prices and plans

TierPricePeriodWhat you get
Copilot ChatfreeMonthWeb-based chat without access to personal files
Business-Add-on$18MonthFull 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-onNot verified for this marketMonthFull Copilot access for enterprise licenses

Prices per vendor, excl. taxes/VAT where applicable.

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.

Alternatives and similar tools to Microsoft 365 Copilot

A selection for “Assistants & workspaces” and curated direct comparisons. Direct comparisons carry the most weight, followed by the shared subcategory and shared tasks. Matching free-access types carry less weight. Ties are resolved consistently. No quality rating.

WPS AIGlobal office suite with AI for documents, spreadsheets, presentations, and PDFs.WPS Pro+LightPDFCore capabilities include: Explore PDF content through questions; Convert PDF files to other document formats; Recognize text in scanned PDF files.LightPDF · monthFellouAgentic AI browser that autonomously plans and executes complex, multi-step tasks across the web and desktop.PlusMicrosoft CopilotMicrosoft's free AI chatbot at copilot.microsoft.com for questions, drafting text and image generation; extended usage and Copilot inside the Office apps require the Microsoft 365 Premium subscription.Microsoft 365 PremiumNotion AIWork with documents, wikis, projects, and databases using AI inside the Notion workspace.BusinessCluelyDesktop AI assistant for screen and meeting audio.StarterDuck.ai (DuckDuckGo)Privacy-oriented multi-model chat with a free daily limit and higher limits in DuckDuckGo Plus and Pro.DuckDuckGo PlusMuseMeta's personal AI agent that carries out tasks in its own secure VM.Meta One Core

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 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 still active: Active.

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.

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