AI Chatbots
Microsoft's AI assistant: free with unpublished limits, more usage in Microsoft 365 plans from $9.99 a month.
Free plan: Subject to available capacity and limits.
Paid: Microsoft 365 Personal $9.99, Microsoft 365 Family $12.99, Microsoft 365 Premium $19.99 and Microsoft 365 Pro $99.99 a month (Microsoft 365 Personal $8.33, Microsoft 365 Family $10.83 and Microsoft 365 Premium $16.67 billed annually). Teams from $25.20/seat/mo. Free trial.
Last verified November 3, 2026 on microsoft.comUSD as listed
Microsoft Copilot
From $9.99/mo · Free plan
Plans and prices ↓Limits & credits
All Other AI chatbots guidesSource: microsoft.com · USD as listed
| Plan | Monthly | Billed annually | What you get |
|---|---|---|---|
| Free plans | |||
| Free | Free | — | Subject to available capacity and limits |
| Individual plans | |||
| Microsoft 365 Personal | $9.99 | $8.33 | Extensive chat; Standard image, voice, vision |
| Microsoft 365 Family | $12.99 | $10.83 | Copilot benefits for the owner only |
| Microsoft 365 Premium | $19.99 | $16.67 | Adds Researcher, Analyst and Cowork |
| Microsoft 365 Pro | $99.99 | — | Highest usage limits available |
| Team plans | |||
| Microsoft 365 Copilot Business | $25.20 | $21 | Add-on per user, up to 300 users |
| Enterprise plans | |||
| Microsoft 365 Copilot | — | $30 | Add-on per user, paid yearly |
Free plans
Subject to available capacity and limits
Individual plans
$8.33/mo billed annually · save $19.89 (17%)
Extensive chat; Standard image, voice, vision
$10.83/mo billed annually · save $25.89 (17%)
Copilot benefits for the owner only
$16.67/mo billed annually · save $39.89 (17%)
Adds Researcher, Analyst and Cowork
Highest usage limits available
Team plans
$21/seat/mo billed annually · save $50.40 (17%) a seat
Add-on per user, up to 300 users
Enterprise plans
$30/mo billed annually
Add-on per user, paid yearly
Savings are ToolColumn arithmetic from the prices above.
Billed annually: Microsoft 365 Personal saves $19.89 (17%), Microsoft 365 Family saves $25.89 (17%), Microsoft 365 Premium saves $39.89 (17%) and Microsoft 365 Copilot Business saves $50.40 (17%) a seat a year.
Microsoft 365 for individuals · App subscription · Primary · From $8.33/mo
Copilot's paid usage comes with Microsoft 365 Personal, Family, Premium and Pro, billed monthly or yearly (Pro monthly only). The subscription owner gets the plan's Copilot benefits, and Microsoft 365 Basic includes no AI features. Copilot Pro, Microsoft's former standalone Copilot subscription, is no longer sold.
Microsoft 365 Copilot for business · Team workspace · From $21/seat/mo
A per-user add-on to a Microsoft 365 business or enterprise plan that you pay for separately: Copilot Business for organizations with up to 300 users at $21 a user a month paid yearly ($18 in the first year on annual commitments made by December 31, 2026) or $25.20 on monthly billing, and Microsoft 365 Copilot at $30 a user a month paid yearly. Without a Copilot license, Copilot Chat is included at no additional cost for Microsoft Entra users with an eligible Microsoft 365 subscription, with fair use limits on some features. Agents are billed on usage, pay-as-you-go through an Azure subscription or in Copilot Studio packs of 25,000 Copilot Credits for $200 a month.
Guides
Buyer guide
Microsoft Copilot sells 7 plans: 1 free, 4 individual, 1 team, 1 enterprise.
Includes: Chat, image creation and file uploads in the Microsoft Copilot app are free, subject to available capacity and limits that Microsoft does not publish. Signing in is optional for chat and unlocks chat history, more image creation, longer conversations and extended voice sessions. At a limit you can upgrade to a paid option or come back later.
Includes: For 1 person, with 1 TB of storage and a 1-month free trial. Copilot usage is 'higher than free': Microsoft's support table rates chat, deep reasoning and Pages Extensive, and Audio Overview, voice, vision and image generation Standard. Researcher, Analyst and Cowork are not included. Microsoft publishes these labels, not counts.
Includes: For up to 6 people, with 2 TB of shared storage and a 1-month free trial. The subscription owner gets the plan's Copilot benefits, at Personal's usage levels; members who share the plan can still use Chat at microsoft365.com. Researcher, Analyst and Cowork are not included.
Includes: For up to 6 people, with 2 TB of shared storage and a 1-month free trial. Copilot benefits go to the subscription owner only. Microsoft's support table rates chat, deep reasoning, Pages, Audio Overview, image generation, Researcher and Analyst Extensive, voice and vision More, and the Cowork preview (US and Canada) Limited; its pricing page instead lists Limited usage for agentic AI, including advanced research and analytics, and Extensive usage for visual AI.
Includes: Monthly billing only, with no free trial shown. For up to 6 people, with 5 TB of shared storage. Copilot benefits go to the subscription owner only. Microsoft's pricing page lists Pro's chat, agentic AI, visual AI and AI audio at the highest usage, while its support table rates only voice, vision and the Cowork preview Highest and the other features Extensive, as on Premium.
Includes: A per-user add-on for organizations with up to 300 users on an eligible Microsoft 365 Business plan, which is billed separately. Chat and Copilot in Microsoft 365 apps are included; Cowork, Code, Autopilot and the Work IQ APIs are billed on usage. Microsoft lists $18 a user a month for the first year on annual commitments made from July 1 to December 31, 2026.
Includes: A per-user add-on on top of a qualifying Microsoft 365 plan such as E3, E5 or Business Premium; Microsoft 365 E7 includes it. The page offers Pay yearly and Pay monthly but prints only the $30 paid-yearly price.
AI Chatbots
| Product | Free tier | Cheapest paid plan | Top plan | Last checked |
|---|---|---|---|---|
| ChatGPT | Free | $8 | $500 | Prices checked |
| Gemini | Free | $4.99 | $199.99 | Prices checked |
| Claude | Free | $20 | $200 | Prices checked |
| DeepSeek | FreeSee plans on the tool page | Usage-based API | — | Prices checked |
| Grok | Free | $8 | $200 | Prices checked |
Microsoft Copilot is Microsoft's AI assistant. It is now one app for personal and work accounts, on the web, Windows, Mac, iPhone and Android, and the same assistant works inside Word, Excel, PowerPoint, Outlook and OneNote for people whose Microsoft 365 plan includes it. The free version covers chat, image creation and file uploads, subject to capacity and limits Microsoft does not publish, and signing in is optional for chat.
It suits people who already live in Microsoft 365, because Copilot's paid usage comes with the Microsoft 365 subscriptions for individuals rather than a separate AI plan, and Microsoft keeps its research and agent features, Researcher, Analyst and the Cowork preview, for the upper tiers.
The main caveat is that Microsoft describes Copilot usage only with labels such as Standard, More, Extensive and Highest, and its own pages sometimes rate the same plan differently. It publishes no message, image or credit counts.
Copilot for work accounts is bought separately. Copilot Chat comes at no extra cost with an eligible Microsoft 365 work or school subscription, Copilot in work apps and data is a per-user add-on, and agents and advanced experiences are billed on usage.
FAQ
Yes, with limits. You can chat, create images and upload files in the Microsoft Copilot app for free, subject to available capacity and limits Microsoft does not publish. Signing in is optional for chat and unlocks chat history, more image creation, longer conversations and extended voice sessions. At a limit, you can upgrade to a paid option or come back later.
Microsoft no longer sells Copilot Pro. Existing subscribers could keep it until they cancelled or until support ended on August 1, 2026. For extensive Copilot use, Microsoft names Microsoft 365 Premium as one option: $19.99 a month or $199.99 a year, with the Office apps and 2 TB of storage.
Researcher, Analyst and the Cowork preview, which Personal and Family do not include, plus room for up to six people with 2 TB of shared storage and more use of creative and voice features. Microsoft's support table rates image generation and Audio Overview Extensive on Premium and Standard on Personal, and voice and vision More instead of Standard. Cowork, available only in the US and Canada, is rated Limited on Premium and Highest on Pro.
No. Family, Premium and Pro cover up to six people for the apps and storage, but AI benefits such as Copilot in the desktop apps stay with the subscription owner and cannot be shared. Members who share the plan can still use Chat at microsoft365.com.
$21 a user a month, paid yearly, for Microsoft 365 Copilot Business, or $30 for Microsoft 365 Copilot, each an add-on to a Microsoft 365 plan you also pay for. Copilot Business covers organizations with up to 300 users and costs $25.20 a user a month on monthly billing; Microsoft lists $18 for the first year on annual commitments made from July 1 to December 31, 2026.
Yes. Copilot Chat is included at no additional cost for Microsoft Entra users with an eligible Microsoft 365 subscription, with fair use limits on some features, such as image generation. Agents are billed on usage, pay-as-you-go through an Azure subscription or in Copilot Studio packs of 25,000 Copilot Credits for $200 a month. Microsoft's meters page lists $0.01 per message, but Copilot Studio now counts Copilot Credits, and one grounded agent reply can use 12 credits.
Not as numbers. Microsoft rates each Copilot feature per plan as Limited, Standard, More, Extensive or Highest usage, says limits can vary by feature, entry point and system conditions, and gives no message, image or AI credit counts. If you reach a feature limit or use all of your AI credits, that feature may be unavailable until your allowance resets; you can check your status under Services & subscriptions in your Microsoft account.
No. Microsoft says AI features are not available in Microsoft 365 Basic, so Copilot use beyond the free app starts with Microsoft 365 Personal at $9.99 a month or $99.99 a year.
Microsoft Copilot From $8.33/mo billed annually · Free plan
Last verified November 3, 2026
Editorial guidance grounded in official product sources.
Prices come from microsoft.com's official pricing page; the date at the top of this page is the latest check. Plan details and limits are reviewed against official pages every month. Picks are ToolColumn's judgment.
Edited byRick Finch
Updated November 3, 2026
Reference links
