Microsoft Copilot Pricing: Plans & Cost Calculator 2026
Microsoft Copilot starts free, then Microsoft 365 Premium is $19.99/mo for the consumer Copilot tier. For work, Business is $25.20/user/mo ($21 billed annually) and Enterprise is $30, both layered on a qualifying Microsoft 365 license, with Copilot Studio a $200/mo add-on.
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
Anyone wanting a free general Copilot chat assistant
Microsoft 365 Copilot Business
Small and mid-size teams wanting Copilot grounded in company data
Microsoft 365 Copilot Enterprise
Large organizations needing tenant security and compliance
Copilot Studio
Building custom AI agents on prepaid credit packs
Microsoft Copilot pricing: the quick answer
Microsoft Copilot has a free consumer chat tier, then paid plans. On the consumer side, Microsoft 365 Premium is $19.99/mo ($199.99/year) and folds in the advanced Copilot features that used to sell as Copilot Pro, which no longer exists on its own. For work, Microsoft 365 Copilot Business is $25.20/user/mo (or $21 billed annually) and needs a qualifying Microsoft 365 base license, while Microsoft 365 Copilot Enterprise is $30/user/mo billed yearly, or $31.50 billed monthly. Copilot Studio, the custom-agent builder, is a separate $200/mo add-on for a 25,000-credit pack. The free tier is real, but the work features start at the Business seat, layered on a base license you already pay for.
- CopilotFree
- Microsoft 365 Premium$19.99/user/mo
- Microsoft 365 Copilot Business$25.20/user/mo
- Microsoft 365 Copilot Enterprise$31.50/user/mo
- Copilot Studio$200/mo
At $19.99/mo to start, Microsoft Copilot sits 49% below the $39.50/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 against the category median of $39.50/mo/mo on paper. On the consumer side, Microsoft 365 Premium at $19.99/mo ($199.99/year) now carries the advanced Copilot features that used to sell as Copilot Pro. For work, Microsoft 365 Copilot Business is $25.20/user/mo ($21 annual) and Enterprise is around $30/user/mo, but both reach those rates only 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 Microsoft 365 Premium at $19.99/mo fits one to six people who want the consumer Copilot features. 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
Cheaper AI Assistants tools
Frequently asked questions
Sources & verification
| Source | What was checked | Last checked |
|---|---|---|
| Microsoft 365 Copilot for enterprise pricing | Confirmed the enterprise Copilot seat at $30 per user monthly billed yearly, or $31.50 billed monthly. | July 16, 2026 |
| Official Pricing Page | Source of verified tiers | July 16, 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.
Explore Microsoft Copilot
Every page on Microsoft Copilot in one place, you are on pricing.