Microsoft 365 Copilot fits small businesses already paying for Microsoft 365, teams working in Word, Excel and Outlook, anyone standardised on Teams best. Its clearest advantage is works where the documents already are, with no copy-pasting.
- Best for
- small businesses already paying for Microsoft 365, teams working in Word, Excel and Outlook, anyone standardised on Teams
- Avoid if
- freelancers not already on Microsoft 365
- Cheapest useful plan
- $25.20/mo · Microsoft 365 Copilot Business
- Free plan
- No
- Setup effort
- moderate — 30 min
- Main strength
- Works where the documents already are, with no copy-pasting
- Main limitation
- No free plan, and the entry price assumes you already pay for Microsoft 365
- Evidence level
- Vendor documented (1/3)
- 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, Outlook and Teams, meeting recap in Teams, tenant-aware answers.
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
The evidence record
- Evidence level
- Vendor documented — Official documentation and pricing page reviewed and dated. No independent verification, no hands-on test recorded.
- Pricing note
- Observed on the official pricing page, both billing toggles read. Monthly: Copilot Business add-on USD 25.20/user/mo; Business Standard with Copilot USD 28.20; Business Premium with Copilot USD 38.40. Yearly: USD 18.00 (shown struck through from USD 21.00), USD 23.50 and USD 32.00. The struck-through figure means the annual rate is promotional, so it is not a stable baseline. The add-on price also sits on top of an existing Microsoft 365 subscription.
- Billing condition
- USD 25.20 per user/month billed monthly; USD 18/user/month paid yearly, itself a promotional rate shown struck through from USD 21. It is an add-on: you must already hold a Microsoft 365 plan
- Platforms
- web, windows, macos, ios, android
- Integrations
- word, excel, outlook, teams, sharepoint
- Setup
- moderate — 30 min
- Affiliate status
- No affiliate link on this record — no commission.
Pricing & billing commitment
- Rate on record
- $25.20/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
- USD 25.20 per user/month billed monthly; USD 18/user/month paid yearly, itself a promotional rate shown struck through from USD 21. It is an add-on: you must already hold a Microsoft 365 plan
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 | $25.20 | $302.40 |
| 3 | $75.60 | $907.20 |
| 5 | $126.00 | $1512.00 |
| 10 | $252.00 | $3024.00 |
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
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 8 days ago | Fresh |
| Features | Checked 36 days ago | Fresh |
| Privacy & data | Never checked | Not independently checked |
| Hands-on test | Never checked | Not independently checked |
| Page review | Checked 36 days ago | Fresh |
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.
- The price has been read once only. A single observation says nothing about where the price is heading.
Alternatives to Microsoft 365 Copilot
Frequently asked questions
What is Microsoft 365 Copilot?
Microsoft 365 Copilot is a tool from Microsoft, in the assistants and writing categories. It is mainly used for: drafting in Word and Outlook, summarising Teams meetings, analysis in Excel.
How much does Microsoft 365 Copilot cost?
The paid entry point is $25.20/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: USD 25.20 per user/month billed monthly; USD 18/user/month paid yearly, itself a promotional rate shown struck through from USD 21. It is an add-on: you must already hold a Microsoft 365 plan. Read on the official pricing page on 05.09.2026. 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 trial (true). Using it for real work costs $25.20/mo · Microsoft 365 Copilot Business.
Who is Microsoft 365 Copilot for — and who is it not for?
Good fit: small businesses already paying for Microsoft 365, teams working in Word, Excel and Outlook, anyone standardised on Teams. Not for: freelancers not already on Microsoft 365; anyone wanting a standalone assistant.
What is the main limitation of Microsoft 365 Copilot?
No free plan, and the entry price assumes you already pay for Microsoft 365. Our evidence level on this record: Official documentation and pricing page reviewed and dated. No independent verification, no hands-on test recorded.