Microsoft Copilot Pricing: Plans & Cost Calculator 2026
The free tier includes GPT-5.x, web search, and image generation, while paid plans run from $20/user/mo to $200 a month for Office grounding, business controls, and the custom-agent builder.
Microsoft Copilot plans and pricing
Billing surface
Pick a plan, set your seat count and switch billing to see the running total. The full breakdown lives in the calculator below.
Copilot
All Microsoft Entra account users with eligible M365 subscription
Copilot Pro
one person who lives in Word, Excel, and PowerPoint and wants priority access and Office integration
Microsoft 365 Copilot Business
Organizations wanting AI assistant across apps
Copilot Studio
A separate $200/mo pack of 25,000 credits for building custom agents
Microsoft 365 Copilot Enterprise
For large organizations that need tenant-specific security, compliance, and deployment
Microsoft Copilot pricing: the quick answer
Copilot has a free tier, then Copilot Pro at $20/user/mo, Microsoft 365 Copilot Business at $25.2/user/mo ($21 on annual billing), and Copilot Enterprise around $30/user/mo on annual as of July 10, 2026. Copilot Studio, the custom-agent builder, is a separate $200/mo pack that includes 25,000 credits. The catch that trips up buyers: the Business and Enterprise rates sit on top of a qualifying Microsoft 365 base license you already pay for, so the AI is an add-on, not a replacement. Pro also requires a Microsoft 365 Personal or Family subscription. There is a limited-time promo dropping Business to $18/user/mo on an annual first-year commitment.
- CopilotFree
- Copilot Pro$20/user/mo
- Microsoft 365 Copilot Business$25.20/user/mo
- Copilot Studio$200/mo
- Microsoft 365 Copilot Enterprise$30/user/mo, annual
At $20/mo to start, Microsoft Copilot sits 50% below the $40/mo median across 6 ai assistants tools we track.
Microsoft Copilot cost calculator
Microsoft Copilot Hidden Costs & Pitfalls
The Copilot price is only the AI layer. What people miss is the base license underneath it and the credit meter inside Copilot Studio.
Microsoft Copilot pricing, read against its live plans and category
Positioning
Microsoft Copilot prices below the category median of $60/mo on paper: Copilot Pro at $20/user/mo and Microsoft 365 Copilot Business at $25.2/user/mo ($21 annual), with Enterprise around $30/user/mo. But the business tiers only reach those rates on top of a qualifying Microsoft 365 base license you already pay for, so the AI is an add-on premium, not a standalone cost. Copilot Studio for custom agents is a separate $200/mo credit pack.
Cost drivers
- 1Base license: Business and Enterprise Copilot require an active, paid Microsoft 365 base subscription.
- 2Copilot Studio credits: $200/mo per 25,000-credit pack, and reasoning actions cost up to 100 credits each; overage metered through Azure.
- 3Promo expiry: the $18/user/mo Business rate is first-year and annual-commitment only.
Watch-outs
Users are frustrated by the licensing changes and the premium layered on top of existing Office subscriptions, with several calling the per-user AI cost poor value against standalone models.
Editor’s take
The free tier suits casual users, and Copilot Pro at $20/user/mo fits individuals who live in Office apps. Teams building custom agents will use Copilot Studio at $200/mo. Businesses after dedicated customer-support automation should compare a purpose-built option like Intercom Fin rather than stretching Copilot into that role.
Oleh KemFounder & Lead AnalystMicrosoft Copilot price history
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Frequently asked questions
Sources & verification
| Source | What was checked | Last checked |
|---|---|---|
| Official Pricing Page | Source of verified tiers | July 8, 2026 |
| Official Website | Official vendor website | — |
| G2 | G2 verified user reviews · 4.5/5 · 150 reviews | — |
| Capterra | Capterra verified user reviews · 4.4/5 | — |
| TrustRadius | TrustRadius verified reviews | — |
| PeerSpot | PeerSpot enterprise peer reviews | — |
Every fact on this Microsoft Copilot pricing page is tied to a named source and a verification date. Freshness-sensitive figures trace to the sources above; verify against the vendor before relying on them.
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