Copilot (free) consumer web
Free source (opens in a new tab)
Month
For: Trying Copilot
Limits
- Some capabilities subject to usage limits
Includes
- Chat, search and image creation
- File upload, voice and memory when signed in
Chat assistants · pricing
Microsoft Copilot pricing in 2026: Free, Personal, Family, Premium and Pro explained
Choose it if you already live in Microsoft 365 and want a free assistant that can step up to higher usage through a paid Microsoft 365 plan.
- Starting price
- $9.99/mo (Microsoft 365 Personal)
- Free option
- Yes
- Plans
- 6
- Prices checked
- Oct 1, 2026
Microsoft Copilot prices at a glance
The Copilot app is free. Sign in with a Microsoft, Apple or Google account and you get chat, search and image creation, plus file upload, voice and memory. Some capabilities are subject to usage limits, and our verified data does not quantify them. Paid access comes through Microsoft 365 consumer plans, which raise Copilot usage and add Copilot in Word, Excel, PowerPoint and Outlook.
The entry paid plan is Microsoft 365 Personal at $9.99 per month, or $99.99 per year. It covers 1 person on 5 devices at once, includes 1 TB of cloud storage and gives higher usage than free for chat, images and audio. Family is $12.99 per month, Premium is $19.99 and Pro is $99.99, billed monthly only. Prices checked on 2026-10-01.
Microsoft Copilot plans compared
| Plan | Price | Billing | Who it is for | Key limits | API |
|---|---|---|---|---|---|
| Copilot (free) consumer web |
Free | Monthly | Trying Copilot | Some capabilities subject to usage limits | Not stated |
| Microsoft 365 Personal consumer web |
$9.99/mo | Monthly | One person using Office plus AI | 1 person; 5 devices at once; 1 TB cloud storage | Not stated |
| Microsoft 365 Family consumer web |
$12.99/mo | Monthly | Households | 1-6 people (AI for subscription owner only); 6 TB total storage | Not stated |
| Microsoft 365 Premium consumer web |
$19.99/mo | Monthly | Heavy AI and productivity use | Extensive chat, image and audio usage; Limited agentic AI usage | Not stated |
| Microsoft 365 Pro consumer web |
$99.99/mo | Monthly | Power users | Monthly billing only; Highest usage limits | Not stated |
| Microsoft 365 Personal (yearly) consumer web |
$99.99/yr | Yearly annual commitment |
Annual payers | Same as monthly Personal | Not stated |
Which Microsoft Copilot plan to pick
| If you | Pick | Why |
|---|---|---|
| you want to try Copilot or ask occasional questions | Copilot (free) | It covers chat, search and image creation at $0, though some capabilities have usage limits. |
| you are one person who uses Office and wants more AI usage | Microsoft 365 Personal, $9.99/mo | It gives higher usage than free and Copilot in Word, Excel, PowerPoint and Outlook, with 1 TB of storage. |
| you share a household plan with up to 6 people | Microsoft 365 Family, $12.99/mo | It includes everything in Personal and 6 TB of total storage, but AI is for the subscription owner only. |
| you rely on research and analysis agents | Microsoft 365 Premium, $19.99/mo | It adds Researcher, Analyst and Premium/Pro exclusives, with extensive chat, image and audio usage and limited agentic AI usage. |
| you are a power user who hits limits constantly | Microsoft 365 Pro, $99.99/mo | It has the highest agentic AI, chat, visual and audio usage, billed monthly only. |
What is free, what costs extra
Free access and trial
Free tier with a signed-in Microsoft account; Word, Excel and PowerPoint free on the web
Try free for 1 month on Personal, Family and Premium; none listed for Pro
Extra costs and taxes
None stated on fetched pages
Not stated
Costs that are easy to miss
- Family shares storage with up to 6 people, but AI is for the subscription owner only, so other members do not get Copilot from it.
- Pro is billed monthly only and has no free trial listed; Personal, Family and Premium offer a 1-month trial.
- Yearly billing is an annual commitment: Personal $99.99, Family $129.99, Premium $199.99. Pro has no yearly option.
- Extra costs and taxes are not stated on the pages we checked.
Microsoft Copilot pricing and usage limits
Prices checked Oct 1, 2026 on the official US pricing page. Official pricing ↗ Prices and limits change often.
Vendor pricing page re-checked automatically 11 days ago: no changes detected.
Free access and trial conditions
Free tier with a signed-in Microsoft account; Word, Excel and PowerPoint free on the web
Try free for 1 month on Personal, Family and Premium; none listed for Pro
Paid plans: what changes as you upgrade
Microsoft 365 Personal consumer web
$9.99/mo source (opens in a new tab)
Month
For: One person using Office plus AI
Limits
- 1 person
- 5 devices at once
1 more
- 1 TB cloud storage
Includes
- Higher usage than free for chat, images and audio
- Copilot in Word, Excel, PowerPoint, Outlook
Microsoft 365 Family consumer web
$12.99/mo source (opens in a new tab)
Month
For: Households
Limits
- 1-6 people (AI for subscription owner only)
- 6 TB total storage
Includes
- Everything in Personal
Microsoft 365 Premium consumer web
$19.99/mo source (opens in a new tab)
Month
For: Heavy AI and productivity use
Limits
- Extensive chat, image and audio usage
- Limited agentic AI usage
Includes
- Researcher, Analyst and Premium/Pro exclusives
Microsoft 365 Pro consumer web
$99.99/mo source (opens in a new tab)
Month
For: Power users
Limits
- Monthly billing only
- Highest usage limits
Includes
- Highest agentic AI, chat, visual and audio usage
Microsoft 365 Personal (yearly) consumer web
$99.99/yr source (opens in a new tab)
Year, annual commitment
Yearly: Family $129.99, Premium $199.99; Pro monthly only
For: Annual payers
Limits
- Same as monthly Personal
Includes
- Yearly billing
Usage caps, credits and extra costs
None stated on fetched pages
Not stated
How much Microsoft Copilot costs per year
At the listed prices, a single user pays between $120 and $1,200 a year on the fixed-price plans, or nothing on the free tier within its limits. Annual billing discounts, taxes and usage-based extras are listed per plan above where the vendor publishes them.
Microsoft Copilot FAQ
Is Microsoft Copilot free?
Yes, a free tier is available with a Microsoft account; some capabilities have usage limits. source (opens in a new tab)
How much do paid plans cost?
Microsoft 365 Personal $9.99/mo, Family $12.99/mo, Premium $19.99/mo, Pro $99.99/mo. source (opens in a new tab)
Is there a free trial?
Yes, 1 month on Personal, Family and Premium; Pro lists none. source (opens in a new tab)
Is Microsoft 365 Premium at $19.99 a month worth it over Personal at $9.99?
Premium adds Researcher, Analyst and extensive chat, image and audio usage, with limited agentic AI usage. Personal gives higher usage than free but not those agents. Choose Premium only if you need them.
Can my family use Copilot on a Microsoft 365 Family plan?
Not through the plan. Family covers 1-6 people and 6 TB of total storage, but AI is for the subscription owner only.
How much cheaper is Microsoft 365 Personal billed yearly?
Yearly Personal is $99.99 per year, against $9.99 per month. Family yearly is $129.99 and Premium yearly is $199.99. Pro is monthly only.
Do Word, Excel and PowerPoint cost extra to use with Copilot?
Word, Excel and PowerPoint are free on the web with a signed-in Microsoft account. Copilot in those apps comes with Microsoft 365 Personal or higher.
More about Microsoft Copilot
- Full Microsoft Copilot guide: features, use cases, how-to and sources.
- Microsoft Copilot alternatives with their prices.
- Best chat assistants tools compared by price.
- LLM API token cost calculator if you pay per token instead of per seat.