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Microsoft Copilot pricing, price hikes and cheaper alternatives

Microsoft Copilot (copilot.microsoft.com) is a AI assistant. Paid Copilot usage comes bundled in Microsoft 365 consumer plans (Personal, Family, Premium, Pro); businesses add Copilot Business per user on top of a Microsoft 365 business plan.. Free plan: Copilot app free with a Microsoft account (limited usage); Copilot Chat free for Microsoft 365 work accounts.

What Microsoft Copilot costs

  • Solo: $9.99/mo (Microsoft 365 Personal $9.99/mo monthly ($99.99/yr); cheapest plan with paid Copilot usage (Basic has no Copilot))
  • Top plan: $99.99/mo (Microsoft 365 Pro $99.99/mo, sold on monthly billing only (highest Copilot usage))
  • Team of 10: $336/mo (10 x (Business Basic $8.40 monthly + Copilot Business $25.20 monthly) = $336; Basic without Teams ($6.48) would make it $316.80)

Plan compared: Microsoft 365 Personal. Monthly list price in USD on monthly billing (annual-only plans divided by 12). Solo is the cheapest paid plan one person can buy, Top is the most expensive individual tier, and Team of 10 is ten seats on the cheapest team plan with central billing and admin, including any suite license the assistant requires.

What Microsoft Copilot does

Core: Frontier model chat, Team workspace and admin.

Important: Cited web search, Deep research reports, File and data analysis, Image and video generation (partly), Live voice and vision, Native mobile apps, Desktop app with screen context, Browser sidebar assistant, Work app connectors (partly).

Also has: Multi-lab model choice (partly), Projects and knowledge bases, Canvas and artifacts (partly), AI long-term memory, AI browser agent, Custom AI assistants (partly), Privacy-first chats (partly).

Microsoft Copilot price hikes

Cheaper alternatives to Microsoft Copilot

At 1 user, Microsoft Copilot costs $9.99/mo. 2 AI assistants cost less:

  • Gemini: $4.99/mo (Google AI Plus), covers 97% of Microsoft Copilot; missing or partial: Multi-lab model choice
  • ChatGPT: $8/mo (Go), covers 97% of Microsoft Copilot; missing or partial: Multi-lab model choice

Microsoft Copilot alternatives: 4 AI assistants compared, at every size.

Every change we logged

  • Jul 1, 2026 · Price increase: Microsoft raised commercial suite prices: Business Basic from $6 to $7/user/mo and Business Standard from $12.50 to $14 (annual), raising the base license a Copilot Business seat needs. Copilot SKUs were unchanged.
  • Dec 1, 2025 · Price cut: Microsoft launched Microsoft 365 Copilot Business for organizations of up to 300 users at $21/user/mo, below the $30/user/mo of Microsoft 365 Copilot.
  • Oct 1, 2025 · Repriced: Microsoft stopped selling the standalone $20/mo Copilot Pro and replaced it with Microsoft 365 Premium at $19.99/mo ($199.99/yr), which combines Family with Copilot Pro's higher usage.
  • Jan 16, 2025 · Price increase: Microsoft bundled Copilot into Microsoft 365 Personal and Family in the US and raised Personal from $6.99 to $9.99/mo ($69.99 to $99.99/yr) and Family from $9.99 to $12.99/mo ($99.99 to $129.99/yr), the first increase since launch.

Sources

Pricing page: microsoft.com/en-us/microsoft-365/buy/compare-all-microsoft-365-products. Prices last checked Oct 16, 2026. Consumer prices from Microsoft's US compare page and the Microsoft 365 Pro product page (archived 2026-10-10); business prices from the Copilot pricing page and Business Basic page (archived 2026-10-08). Copilot Business is $18/yr-billed under a promo ending Dec 31, 2026; list is $21 ($25.20 monthly). The team point uses Business Basic with Teams.