Microsoft 365 Copilot is best for small businesses already paying for Microsoft 365, teams working in Word, Excel and Outlook and anyone standardised on Teams. Its clearest advantage: Works where the documents already are, with no copy-pasting.
- Avoid if
- freelancers not already on Microsoft 365
- Cheapest useful plan
- €21.84/mo · Microsoft 365 Copilot Business
- Free plan
- No
- Setup effort
- moderate: 30 min
- Main limitation
- No free plan, and the entry price assumes you already pay for Microsoft 365
- Works where the documents already are, with no copy-pasting
- Meeting recap is built into Teams rather than bolted on
- Answers can draw on your own files
- freelancers not already on Microsoft 365
- anyone wanting a standalone assistant
What it actually does
Inside Word, Excel, PowerPoint, Outlook and Teams, agents and skills called inline from the prompt, meeting recap in Teams, Copilot editing in Office apps on Android, Record, for in-person conversations in the mobile app.
Before you pay
Who it is for
Copilot Business is an add-on to Microsoft 365: it drafts in Word and Outlook, recaps Teams meetings and answers from your own files. It only makes sense if your work already lives there. If you do not pay for Microsoft 365, the entry price is not the real price.
What a year costs
Prices exclude VAT. The add-on is 21.84 € per user a month billed monthly, 262.08 € a year. On yearly billing it is listed at 18.20 €, 218.40 € a year, and was shown discounted to 15.60 €, 187.20 € a year, on 25 October: that rate is a promotion, not a baseline. Bundled, Business Standard with Copilot is 24.43 € a month and Business Premium with Copilot 33.28 €. We read the add-on at 25.20 € on 5 September and at 21.84 € on 10 and 25 October.
What we would check before paying
Which Microsoft 365 plan you already pay for, since the bundles can cost less than plan plus add-on. The yearly price once the promotion ends. Whether the people who would get a seat really write in Word and Outlook every day.
What changed recently
Copilot Chat sits inside Copilot Search results for follow-up questions, and Copilot Chat on the web can regenerate an answer or switch model. Source ↗
A License Requests page in the Microsoft 365 admin center gathers Copilot licence requests for administrators. Source ↗
Read on each vendor's official changelog, not tested by us.
The limits to know
- No free plan, and the entry price assumes you already pay for Microsoft 365
- The headline annual rate is a promotion, not the standard price
- Worthless if your work does not live in Microsoft 365
Pricing & billing commitment
- Rate on record
- €21.84/mo · Microsoft 365 Copilot Business
- What that figure is
- Month-to-month rate per seat, read on the vendor's monthly view.
- Commitment
- None: payable one month at a time
- The vendor's exact condition
- €21.84 excl. VAT per user/month billed monthly; €18.20 per user/month paid yearly, shown discounted to €15.60. It is an add-on: you must already hold a Microsoft 365 plan
The pricing page, as read
What it costs at 1, 3, 5 and 10 users
Microsoft 365 Copilot bills per seat, so the invoice follows head count. Calculated at the rate on record, before tax, with no annual commitment.
| Seats | Per month | Per year |
|---|---|---|
| 1 | €21.84 | €262.08 |
| 3 | €65.52 | €786.24 |
| 5 | €109.20 | €1310.40 |
| 10 | €218.40 | €2620.80 |
In practice
- Platforms
- Web, Windows, macOS, iOS, Android
- Integrations
- Word, Excel, Outlook, Microsoft Teams, SharePoint
- Setup
- moderate: 30 min
Microsoft 365 Copilot in our comparisons
Alternatives to Microsoft 365 Copilot
Compare side by side:Microsoft 365 Copilot / ChatGPTMicrosoft 365 Copilot / ClaudeMicrosoft 365 Copilot / Gemini
Frequently asked questions
What is Microsoft 365 Copilot?
Microsoft 365 Copilot is a tool from Microsoft, used mainly for drafting in Word and Outlook, summarising Teams meetings, analysis in Excel. Main features: inside Word, Excel, PowerPoint, Outlook and Teams, agents and skills called inline from the prompt, meeting recap in Teams. It has no permanent free plan; the paid entry point is €21.84/mo · Microsoft 365 Copilot Business.
How much does Microsoft 365 Copilot cost?
The paid entry point is €21.84/mo · Microsoft 365 Copilot Business. Month-to-month rate per seat, read on the vendor's monthly view. The exact condition attached to that figure: €21.84 excl. VAT per user/month billed monthly; €18.20 per user/month paid yearly, shown discounted to €15.60. It is an add-on: you must already hold a Microsoft 365 plan. Read on the official pricing page on 25.10.2026. Prices move quickly: confirm before subscribing.
Does Microsoft 365 Copilot have a free plan?
No. Microsoft 365 Copilot has no permanent free plan, only a free trial. Using it for real work costs €21.84/mo · Microsoft 365 Copilot Business.
What devices and tools does Microsoft 365 Copilot work with?
According to the vendor's documentation, Microsoft 365 Copilot runs on: Web, Windows, macOS, iOS, Android. Documented integrations: Word, Excel, Outlook, Microsoft Teams, SharePoint. Listed from the official sources, not tested by us: check your own setup during the trial.
How we checked this record
The evidence record
- Evidence level
- Vendor documented: Official documentation and pricing page reviewed and dated. No independent verification, no hands-on test recorded.
- Affiliate status
- No affiliate link on this record, no commission.
Hands-on test
No automated hands-on test has been completed for this review cycle. This record rests on the vendor's official documentation and pricing page, re-read and dated. We say so rather than imply otherwise.
The research record
Read on the vendor's monthly view, from France; screenshot kept
Read on the French pricing page with "Mensuel" selected, which quotes EUR excluding VAT; earlier readings were taken on the US page in USD
Read on the vendor's monthly view
Sources
The official pages this record rests on. No tracking links here: these addresses name the vendor.
Evidence freshness
Each kind of check has its own clock and its own threshold. A price ages in weeks and a feature list in months; sharing one date between them would let an old review pass for a recent check.
| Check | When | State |
|---|---|---|
| Pricing | Checked 18 days ago | Fresh |
| Features | Checked 17 days ago | Fresh |
| Privacy & data | Never checked | Not independently checked |
| Hands-on test | Never checked | Not independently checked |
| Page review | Checked 96 days ago | Due soon |
What remains unverified
- No workflow was run inside the product. Everything here comes from the vendor's documentation and public pages.
- Data handling and the privacy policy were not independently verified during this research cycle. We therefore publish no conclusion about security or where data is stored.
- Export terms and the real cost of leaving are not on this record: we have not tested them.