Microsoft 365 Copilot
Sits inside Word, Excel, Outlook and Teams, so it works on the documents and meetings a company already has. The closest thing to AI that needs no change of habit.
What Microsoft 365 Copilot is best for
The categories Microsoft 365 Copilot is listed in, and how strong a fit it is in each.
Business, Finance & Professional Work
Business strategy, investing, market research, legal, sales, HR, accounting, consulting.
Built for this
Microsoft 365 Copilot’s biggest strengths
Business, Finance & Professional WorkSits inside Word, Excel, Outlook and Teams, so it works on the documents and meetings a company already has. The closest thing to AI that needs no change of habit.
Where it may not be the best fit
Business, Finance & Professional WorkAn add-on rather than a standalone purchase: the enterprise Copilot seat is $30 a user a month on top of a qualifying Microsoft 365 licence you must already hold, and Copilot Chat is only included if you already pay for an eligible subscription. Agents need an Azure subscription on top again.
Microsoft 365 Copilot pricing
Microsoft 365 Copilot has no usable free tier — it is paid from the start.
Microsoft 365 Copilot BusinessAn add-on to an existing Microsoft 365 plan rather than a subscription in its own right
$25.20/mo · $21/mo yearlyMicrosoft 365 Business Standard with CopilotThe Microsoft 365 apps across devices with Copilot built in
$28.20/mo · $23.50/mo yearlyMicrosoft 365 Business Premium with CopilotThe same again with the advanced security tier
$38.40/mo · $32/mo yearlyMicrosoft 365 Copilot, the enterprise seatPaid yearly, and a separate licence for a qualifying Microsoft 365 plan is still required on top of it
$30/mo yearlyMicrosoft 365 Copilot ChatIncluded at no additional cost for Microsoft Entra users on an eligible Microsoft 365 subscription, though agents need an Azure subscription and Copilot Studio capacity is bought prepaid
See plansFor individuals, Copilot comes inside Microsoft 365 Personal at $99.99 a year or $9.99 month to month, Family at $129.99 a year or $12.99 month to month for up to six people, and Premium at $199.99 a year or $19.99 month to month, which adds AI agents and the largest Copilot usage allowance. The business rates above are the Plans with Teams tab; a Plans without Teams tab is priced separately
Checked by hand on 4 September 2026. Prices change often, so confirm on the provider’s own page before spending.
Who makes Microsoft 365 Copilot
Copilot is sold as an add-on to Microsoft 365 rather than as a standalone product.
CompanyMicrosoft
Founded1975
Based inRedmond, US
SectorProductivity & agents
ModelMicrosoft 365 Copilot
StatusPublic
Primary usersEnterprise, Teams
Free planNo
ComputeMicrosoft Azure
Public listingPublic (NASDAQ: MSFT)
Best alternatives to Microsoft 365 Copilot
Tools that do comparable work, best fit first, drawn from the catalogue rather than hand-picked. Every one is listed whether or not there is money in it for us.
ChatGPT
Free
Broad professional coverage with strong spreadsheet and chart handling. Good default for analysis you would otherwise do by hand.
View ChatGPT →Claude
Free
The general option most used for professional work — strategy memos, contract reading, financial reasoning over documents you upload.
View Claude →Apollo
Free
Contact data, sequences and call recording in one place, so research and outreach do not live in separate tools.
View Apollo →Beefi
Free
A plain REST API over SEC EDGAR — company records, stock prices, financial statements, insider trades and filings across more than ten thousand listed companies, with a free key and a hundred requests a minute.
View Beefi →Clay
Free
A spreadsheet where each row can call data providers and models, which makes research that used to take a week into an afternoon.
View Clay →ClickUp
Free
Docs, tasks, chat and whiteboards under one AI that can see all of them, which is a genuine advantage over four separate tools.
View ClickUp →Microsoft 365 Copilot by job
Where Microsoft 365 Copilot sits in the wider category pages.
Best AI for Business
Built for this — Business strategy, investing, market research, legal, sales, HR, accounting, consulting.
Questions about Microsoft 365 Copilot
Is Microsoft 365 Copilot free?
No. It is paid from the start. Plans: Microsoft 365 Copilot Business — $21 per user a month paid yearly, on offer at $18 as this was checked, or $25.20 month to month; an add-on to an existing Microsoft 365 plan rather than a subscription in its own right; Microsoft 365 Business Standard with Copilot — $23.50 per user a month paid yearly, $28.20 month to month; the Microsoft 365 apps across devices with Copilot built in; Microsoft 365 Business Premium with Copilot — $32 per user a month paid yearly, $38.40 month to month; the same again with the advanced security tier; Microsoft 365 Copilot, the enterprise seat — $30 per user a month paid yearly, and a separate licence for a qualifying Microsoft 365 plan is still required on top of it; Microsoft 365 Copilot Chat — included at no additional cost for Microsoft Entra users on an eligible Microsoft 365 subscription, though agents need an Azure subscription and Copilot Studio capacity is bought prepaid; For individuals, Copilot comes inside Microsoft 365 Personal at $99.99 a year or $9.99 month to month, Family at $129.99 a year or $12.99 month to month for up to six people, and Premium at $199.99 a year or $19.99 month to month, which adds AI agents and the largest Copilot usage allowance. The business rates above are the Plans with Teams tab; a Plans without Teams tab is priced separately.
What is Microsoft 365 Copilot best at?
Sits inside Word, Excel, Outlook and Teams, so it works on the documents and meetings a company already has. The closest thing to AI that needs no change of habit. It is listed under Business, Finance & Professional Work, and this is what it is built for.
What should I watch out for with Microsoft 365 Copilot?
An add-on rather than a standalone purchase: the enterprise Copilot seat is $30 a user a month on top of a qualifying Microsoft 365 licence you must already hold, and Copilot Chat is only included if you already pay for an eligible subscription. Agents need an Azure subscription on top again.
What are the alternatives to Microsoft 365 Copilot?
6 tools do comparable work: ChatGPT, Claude, Apollo, Beefi, Clay, ClickUp. 6 of them have a free plan.
How current is this Microsoft 365 Copilot pricing?
Checked by hand on 4 September 2026. Prices change often — confirm on the provider's own page before spending.