Microsoft Copilot Plans Pricing
Microsoft Copilot is sold as a per-user-per-month add-on across multiple Microsoft 365 plans, plus a free consumer/web tier (Copilot Chat) for any user with an eligible Microsoft 365 subscription. Microsoft 365 Copilot is $30/user/month (annual commitment), requires an underlying eligible base license (M365 E3/E5, Business Basic/Standard/Premium, A3/A5 for education, GCC/GCC-H/DoD for US Gov), and includes Copilot in Word, Excel, PowerPoint, Outlook, Teams, plus business chat with grounding on Microsoft Graph. Microsoft 365 Copilot Business (a slimmer SMB SKU for Business Basic/Standard/Premium) is also offered. Pay-as-you-go per-message billing exists for Copilot Studio and certain agent SKUs.
Plans
Web-based chat experience automatically included with eligible Microsoft 365 subscriptions. Grounds on public web data; does not access tenant data.
- Web grounding
- No tenant-data access
- Auto-included with eligible M365 plan
Consumer subscription for individuals — priority access to GPT-class models in Copilot, Copilot in Word/Excel/PowerPoint/Outlook for Microsoft 365 Personal/Family subscribers, image generation boosts.
- Priority model access
- Copilot in M365 desktop apps (with M365 Personal/Family)
- Image generation boosts
SMB add-on for Microsoft 365 Business Basic / Standard / Premium / Apps for Business. Tenant-grounded chat; lighter capability set than the enterprise Microsoft 365 Copilot SKU.
- Tenant-grounded chat
- Copilot in Outlook / Teams / Office apps
- SMB-targeted
Per-user-per-month add-on for enterprise plans (M365 E3/E5, A3/A5, F1/F3, G3/G5). Annual commitment. Grounding on Microsoft Graph; Copilot in all Office apps and Teams; Business Chat (BizChat) for tenant-wide search/summarize/draft.
- Copilot in Word / Excel / PowerPoint / Outlook / Teams / OneNote / Loop
- Business Chat (BizChat) grounded on Microsoft Graph
- Copilot Studio inclusion (limited credits)
- Microsoft Graph + SharePoint grounding
- EU Data Boundary support
- Available for GCC, GCC-High, DoD as add-on to G3/G5/F1
Build and deploy custom copilots / agents. Billed per message — generative messages cost 2 credits, classifier 1 credit, etc. Credit packs sold per month.
- Build custom agents on Microsoft 365
- Connectors to enterprise data
- Telemetry via Azure Monitor
Developer-focused AI pair programmer. Available as Individual ($10/mo or $100/yr), Business ($19/seat/mo), and Enterprise ($39/seat/mo).
- Code completion in IDE
- Copilot Chat in IDE
- PR summaries (Enterprise)
Negotiated rates via EA / MCA / CSP, often bundled with broader Microsoft 365 / Power Platform ELAs.
- Volume discount
- Bundled with M365 ELA
- Dedicated technical account management