Microsoft Copilot pricing (October 2026): plans and what you pay
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Microsoft Copilot lists 3 plans, including a free plan. Paid plans start at USD 9.99 per month. That is the 2nd lowest entry price of the 4 AI assistants we rank that charge monthly.
Microsoft Copilot plans and prices
| Plan | Price | Limits and notes | Billed yearly |
|---|---|---|---|
| Copilot (free) | Free | — | — |
| Microsoft 365 Personal | USD 9.99 per month | USD 99.99 a year | — |
| Microsoft 365 Premium | USD 19.99 per month | USD 199.99 a year; highest Copilot usage | — |
From Microsoft Copilot's pricing page, checked 2026-10-12. Prices exclude tax. The vendor's page always has the current price. Price changes are logged in our software price tracker.
Monthly and yearly cost
| Plan | Per month | Per year at that rate |
|---|---|---|
| Microsoft 365 Personal | USD 9.99 | USD 119.88 |
| Microsoft 365 Premium | USD 19.99 | USD 239.88 |
Yearly figures multiply the listed monthly price; plans billed yearly are often cheaper per month (see the table above where the vendor lists it).
Before you buy
- Business Copilot prices are on a separate page and were not checked.
How Microsoft Copilot compares on price
| Product | Entry price | Free plan |
|---|---|---|
| Microsoft Copilot | Free plan, then USD 9.99 per month | Yes |
| Google Gemini | Free plan, then USD 4.99 per month | Yes |
| Claude | Free plan, then USD 20 per month | Yes |
| ChatGPT | Free plan, then USD 20 per month | Yes |
Microsoft Copilot ranks 2nd of 4 in the best AI assistants ranking. See also: Microsoft Copilot alternatives, ChatGPT vs Microsoft Copilot, Google Gemini vs Microsoft Copilot, Claude vs Microsoft Copilot.