Office 365 · by Microsoft
Copilot: only as good as your Office habit.
Microsoft's AI is a different purchase from the others: you're not buying a chatbot, you're buying AI inside Word, Excel, Outlook and PowerPoint. Outside Office, there's little reason to pick it.
Plans
Microsoft Copilot pricing, July 2026.
| Plan | Price | What you get |
|---|---|---|
| Free | $0 | Basic Copilot in Windows, Edge and the web |
| Copilot Pro | $20/mo | GPT-5.4 Pro access, 100 image boosts/day, Office integration — requires Microsoft 365 |
| M365 Premium | $16.58/mo ($199/yr) | 6 family accounts, full Office apps, 1 TB OneDrive each, premium Copilot |
- AI where your documents already live
- M365 Premium bundles Office + storage + AI for a family at less than one ChatGPT Plus
- Drafts email replies in Outlook while you read
- Standalone chatbot is the weakest of the majors
- Copilot Pro needs a separate Microsoft 365 subscription to shine
- Little reason to choose it if you don't use Office
Our verdict: Buy the ecosystem, not the chatbot. If Office is your day, Copilot earns its price in saved minutes; if not, look elsewhere.
Want Microsoft Copilot and the other majors together?
AI bundles bundles ChatGPT, Claude, Gemini, Grok and Perplexity into one workspace from $8.99/month, with side-by-side comparison and verification built in.
Read AI bundle guideDeep buyer guide
How Microsoft Copilot should actually apply to you.
The plan table tells you the price. The part below tells you whether that price makes sense for your work.
Best fit
Microsoft Copilot is strongest for Microsoft 365 households, Office-heavy workers, Excel/PowerPoint users, and Windows-first teams.
Be careful
Avoid making Microsoft Copilot your first paid plan if you are mainly people who do not live in Word, Excel, PowerPoint, Outlook or Teams.
Free tier reality
Copilot Free is fine for web answers and casual drafting, but the paid story is really Microsoft 365 integration.
Paid tier reality
Copilot Pro and Microsoft 365 bundles should be judged by how much time they save inside Office documents, not by raw model quality.
Before you pay
Three questions to answer first.
- Do you already pay for Microsoft 365?
- Will AI help inside Word, Excel, Outlook and PowerPoint, or only in a browser tab?
- Are you buying for one person or a whole household/team?
Sources checked
Prices, tier names and limits change often. Verify the current offer before checkout, especially if a feature or limit is the whole reason you are buying.
Official Microsoft pricing or product page · Official help/support
Alternatives
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FAQ
Microsoft Copilot questions.
Do I need Microsoft 365 for Copilot Pro?
For the Office app integration — the main reason to buy it — yes. The $16.58/month M365 Premium bundle (Office + 1 TB OneDrive × 6 accounts + premium Copilot) is usually the better purchase.
Is Copilot's chatbot as good as ChatGPT?
Taken standalone, no — it uses OpenAI models but the experience trails ChatGPT's own apps. Its value is location: inside Word, Excel and Outlook.
What if I want Copilot-style help plus other models?
A multi-model workspace like AI bundles covers the model side (ChatGPT, Claude, Gemini, Grok, Perplexity) with document and spreadsheet Studios, though it doesn't sit inside Office itself.