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← Back to Microsoft Copilot Overview

Microsoft Copilot Pricing & Plans 2026

Complete pricing guide for Microsoft Copilot. Compare all plans, analyze costs, and find the perfect tier for your needs.

Try Microsoft Copilot Free →Compare Plans ↓

Not sure if free is enough? See our Free vs Paid comparison →
Still deciding? Read our full verdict on whether Microsoft Copilot is worth it →

🆓Free Tier Available
💎3 Paid Plans
⚡No Setup Fees

Choose Your Plan

Copilot (Free)

$0

mo

  • ✓GPT-4 access during off-peak times
  • ✓Web-grounded answers with citations
  • ✓~15 DALL-E 3 image boosts per day
  • ✓Voice conversation mode
  • ✓Windows 11, Edge, and web access
Start Free Trial →
Most Popular

Copilot Pro

$20/month per user

mo

  • ✓Priority access to latest GPT-4 models during peak times
  • ✓100 daily DALL-E 3 image boosts
  • ✓Copilot in Word, Excel, PowerPoint, Outlook, OneNote
  • ✓Faster image generation
  • ✓Access to Microsoft Designer features
Start Free Trial →

Copilot for Microsoft 365 (Business)

$30/user/month (annual)

mo

  • ✓Enterprise data protection — prompts not used for training
  • ✓Copilot in Teams meetings and chat
  • ✓Microsoft Graph grounding across tenant data
  • ✓Compliance: GDPR, HIPAA, SOC 2, ISO 27001
  • ✓Admin and tenant controls
Contact Sales →

Pricing sourced from Microsoft Copilot · Last verified March 2026

Feature Comparison

FeaturesCopilot (Free)Copilot ProCopilot for Microsoft 365 (Business)
GPT-4 access during off-peak times✓✓✓
Web-grounded answers with citations✓✓✓
~15 DALL-E 3 image boosts per day✓✓✓
Voice conversation mode✓✓✓
Windows 11, Edge, and web access✓✓✓
Priority access to latest GPT-4 models during peak times—✓✓
100 daily DALL-E 3 image boosts—✓✓
Copilot in Word, Excel, PowerPoint, Outlook, OneNote—✓✓
Faster image generation—✓✓
Access to Microsoft Designer features—✓✓
Enterprise data protection — prompts not used for training——✓
Copilot in Teams meetings and chat——✓
Microsoft Graph grounding across tenant data——✓
Compliance: GDPR, HIPAA, SOC 2, ISO 27001——✓
Admin and tenant controls——✓

Is Microsoft Copilot Worth It?

✅ Why Choose Microsoft Copilot

  • • Free tier provides access to GPT-4 class models with real-time web search and source citations, a paid feature on most competitors
  • • Tightly integrated into Windows 11, Edge, and Bing, available to over 1 billion Windows users without separate installation
  • • Copilot Pro at $20/month unlocks AI features inside Word, Excel, PowerPoint, Outlook, and OneNote — competitive with the $20/month ChatGPT Plus tier
  • • Includes 100 daily image generation boosts on Pro and 15 per day on free, using DALL-E 3 with no separate subscription required
  • • Voice mode and Copilot Vision allow hands-free interaction and on-screen contextual help, useful for accessibility and multitasking
  • • Enterprise version (Copilot for Microsoft 365) offers commercial data protection and inherits Microsoft's compliance and tenancy controls

⚠️ Consider This

  • • Lacks the breadth of ChatGPT's custom GPT ecosystem and third-party plugin marketplace
  • • Conversation length and memory are more limited than ChatGPT, with shorter context windows on the consumer free tier
  • • Image generation rate limits and content filters are stricter than competitors, often refusing benign creative prompts
  • • Best features (Office integration, priority access) are gated behind Copilot Pro at $20/month or business tiers starting at $30/user/month
  • • Quality and personality have shifted noticeably across model updates, frustrating users who built workflows around earlier behavior

What Users Say About Microsoft Copilot

👍 What Users Love

  • ✓Free tier provides access to GPT-4 class models with real-time web search and source citations, a paid feature on most competitors
  • ✓Tightly integrated into Windows 11, Edge, and Bing, available to over 1 billion Windows users without separate installation
  • ✓Copilot Pro at $20/month unlocks AI features inside Word, Excel, PowerPoint, Outlook, and OneNote — competitive with the $20/month ChatGPT Plus tier
  • ✓Includes 100 daily image generation boosts on Pro and 15 per day on free, using DALL-E 3 with no separate subscription required
  • ✓Voice mode and Copilot Vision allow hands-free interaction and on-screen contextual help, useful for accessibility and multitasking
  • ✓Enterprise version (Copilot for Microsoft 365) offers commercial data protection and inherits Microsoft's compliance and tenancy controls

👎 Common Concerns

  • ⚠Lacks the breadth of ChatGPT's custom GPT ecosystem and third-party plugin marketplace
  • ⚠Conversation length and memory are more limited than ChatGPT, with shorter context windows on the consumer free tier
  • ⚠Image generation rate limits and content filters are stricter than competitors, often refusing benign creative prompts
  • ⚠Best features (Office integration, priority access) are gated behind Copilot Pro at $20/month or business tiers starting at $30/user/month
  • ⚠Quality and personality have shifted noticeably across model updates, frustrating users who built workflows around earlier behavior

Pricing FAQ

Is Microsoft Copilot free to use?

Yes, Microsoft Copilot has a generous free tier accessible at copilot.microsoft.com, in the Windows 11 sidebar, and in the Edge browser. The free version includes GPT-4 access during off-peak times, web search with citations, voice conversation, and roughly 15 DALL-E 3 image generations per day. Copilot Pro at $20/month per user adds priority model access, 100 daily image boosts, and integration inside Microsoft 365 apps like Word and Excel. Copilot for Microsoft 365 business plans start at $30 per user per month.

What is the difference between Microsoft Copilot and ChatGPT?

Both are powered by OpenAI's GPT-4 family, but Microsoft Copilot adds real-time web grounding via Bing with inline citations by default, while ChatGPT focuses on a broader plugin and custom GPT ecosystem. Copilot is built into Windows 11, Edge, and Microsoft 365, making it convenient for users already in that ecosystem. ChatGPT offers more advanced features like custom GPTs, the GPT Store, and DALL-E 3 inside one interface for $20/month. Based on our analysis of 870+ AI tools, the choice usually comes down to whether you live in Microsoft 365 or want ChatGPT's power-user tooling.

Does Microsoft Copilot work inside Word and Excel?

Office integration is reserved for Copilot Pro subscribers ($20/month for individuals) and Copilot for Microsoft 365 commercial plans ($30/user/month). Pro users get Copilot inside Word for drafting and rewriting, Excel for formula help and analysis, PowerPoint for slide generation, Outlook for email summarization, and OneNote for note assistance. The free version of Copilot does not include in-app integration — it is limited to the standalone chat experience on the web, Windows, and Edge.

Is my data safe when using Microsoft Copilot?

For consumer Copilot, conversations may be used to improve Microsoft's services unless you opt out, similar to other free AI assistants. Copilot for Microsoft 365 commercial plans include enterprise data protection, meaning prompts and responses are not used to train foundation models and inherit your tenant's compliance, residency, and access controls. Microsoft offers GDPR, HIPAA, ISO 27001, and SOC 2 compliance for the commercial product. Always review the specific terms for your subscription tier before sharing sensitive information.

Can Microsoft Copilot generate images and podcasts?

Yes, Copilot includes DALL-E 3 image generation in both free and Pro tiers, with free users getting around 15 fast generations per day and Pro users getting 100 daily boosts plus priority during peak demand. The newer Copilot Pages and podcast features can turn documents, articles, or topics into multi-voice audio summaries similar to NotebookLM's Audio Overviews. Quizzes can be generated from any topic or uploaded source for studying. Quality is generally strong, though content filters are stricter than some competitors.

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More about Microsoft Copilot

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