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Microsoft 365 Copilot pricing: cost per user, bundles and Copilot Chat

Microsoft 365 Copilot is sold as an add-on to a qualifying Microsoft 365 licence ($30 per user per month for enterprises and $21 for small businesses, paid yearly) or bundled into Microsoft 365 Business Standard and Business Premium. Copilot Chat is included with eligible plans at no extra cost. Below: every plan we track and a per-user cost calculator.

Last checked (Re-check due)Source: microsoft.com ↗
Copilot add-on (enterprise)$30per user/mo, paid yearly; needs a qualifying Microsoft 365 licence
Copilot Business add-on$21per user/mo, paid yearly; for Business Basic, Standard or Premium, up to 300 users
Business Standard + Copilot$23.50per user/mo, paid yearly; licence included, up to 300 users
Business Premium + Copilot$32per user/mo, paid yearly; licence included, up to 300 users

All Microsoft 365 Copilot plans

Per-seat prices in USD from the official pricing pages. “Annual billing” is the per-month price when billed annually, as the vendor states it; the yearly total is shown where published. “Price not verified” means we couldn’t confirm the number on an official page.

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Microsoft 365 Copilot plans and prices (USD, excl. tax)
PlanMonthly billingAnnual billingSeatsUsage (as published)
Microsoft 365 Copilot Business (add-on)businessAdd-on for Microsoft 365 Business Basic, Standard or Premium, for up to 300 users. Requires an annual commitment, billed monthly or yearly.Promo Jul 1, 2026–Dec 31, 2026: $18 per user/mo, paid yearly, for eligible customers. Not used in the calculator.
$25.20annual commitment, paid monthly
$21 /mo
up to 300
  • Free trial: one-month free trial
Microsoft 365 Business Standard with Copilotbusiness
$28.20no annual commitment
$23.50 /mo
up to 300
  • Cloud storage: 1 TB per user
  • Free trial: one-month free trial
Microsoft 365 Business Premium with Copilotbusiness
$38.40no annual commitment
$32 /mo
up to 300
  • Cloud storage: 1 TB per user
  • Free trial: one-month free trial
Microsoft 365 Copilot ChatbusinessIncluded at no additional cost for Microsoft Entra users with an eligible Microsoft 365 subscription.Includedwith eligible plans, no extra cost——
  • Agents priced on a metered basis; Azure subscription required
Microsoft 365 Copilot (enterprise add-on)enterpriseIncludes everything in Copilot Chat. Existing customers see it as Microsoft 365 Copilot (for Department).
$31.50annual commitment, paid monthly
$30 /mo
—

    Sources: microsoft.com/en-us/copilot/solutions/business, microsoft.com/en-us/copilot/solutions/business, microsoft.com/en-us/copilot/pricing/business, microsoft.com/en-us/microsoft-365-copilot/pricing/enterprise, microsoft.com/en-us/copilot/solutions/enterprise.

    Microsoft 365 Copilot cost calculator

    Prices are per user. Microsoft publishes per-user, per-month prices, not yearly totals. Any yearly figure the calculator shows is our own estimate (seats × the published per-month price × 12), not a Microsoft price. Monthly billing on the Copilot add-ons is still an annual commitment, paid monthly. The add-on rows cost only the Copilot licence: add your Microsoft 365 licence on top. The Business bundles already include the Microsoft 365 licence. Promotional prices aren’t used.

    Billing
    Plans that only offer one billing period use it automatically.
    Seats per plan

    Copilot add-on (on top of a qualifying Microsoft 365 licence, not included)

    $31.50 per user/mo, billed monthly · $30 per user/mo, billed annuallyMonthly billing is on an annual commitment.
    $25.20 per user/mo, billed monthly · $21 per user/mo, billed annuallyMonthly billing is on an annual commitment (Microsoft has no month-to-month option for Copilot Business).

    Microsoft 365 Business with Copilot (licence included, up to 300 users)

    $28.20 per user/mo, billed monthly · $23.50 per user/mo, billed annually
    $38.40 per user/mo, billed monthly · $32 per user/mo, billed annually

    Estimated cost

    Per year$3,600
    Per month (average)$300
    10 × Microsoft 365 Copilot (enterprise add-on)$3,600Microsoft 365 Copilot · Annual billing · $30 per user/mo

    Listed annual billing is $180/yr less than monthly billing (our math from published prices; not a vendor-published discount)

    USD, excluding tax, from the vendors’ official pricing pages (data as of Nov 14, 2026). Annual billing uses the published yearly price where there is one. Promotional prices are excluded unless ticked. Usage-based charges are not included unless listed above.

    How Microsoft 365 Copilot pricing works

    Copilot add-ons

    For enterprises, Microsoft 365 Copilot costs $30 per user per month paid yearly, or $31.50 paid monthly on the same annual commitment, and requires a qualifying Microsoft 365 licence that isn’t included in that price. For small businesses, the Microsoft 365 Copilot Business add-on works with Business Basic, Standard or Premium (up to 300 users) and costs $21 per user per month paid yearly, or $25.20 paid monthly. Both are annual commitments: there’s no month-to-month option. From Jul 1, 2026 to Dec 31, 2026, Microsoft offers the Business add-on at $18 per user per month for the first year to eligible existing customers; the calculator uses the list price.

    Business bundles with Copilot

    Microsoft 365 Business Standard with Copilot is $23.50 per user per month and Business Premium with Copilot is $32, both paid yearly ($28.20 and $38.40 on monthly billing), for up to 300 users (cloud storage: 1 TB per user). These prices include the Microsoft 365 licence itself.

    Copilot Chat

    Copilot Chat is included at no additional cost for Microsoft Entra users with an eligible Microsoft 365 subscription. Agents: priced on a metered basis; Azure subscription required.

    Not GitHub Copilot (coding assistant)

    Not GitHub Copilot (coding assistant): see GitHub Copilot pricing. This page covers Microsoft 365 Copilot (Word, Excel, Outlook, Teams).

    GitHub Copilot pricing →

    Related

    Microsoft 365 Copilot pricing FAQ

    How much does Microsoft 365 Copilot cost per user?
    The enterprise add-on is $30 and the Copilot Business add-on $21 per user per month, paid yearly, on top of a qualifying Microsoft 365 licence. Business Standard with Copilot is $23.50 and Business Premium with Copilot is $32 per user per month, paid yearly, licence included.
    How much is Microsoft 365 Copilot for 10 users?
    Microsoft prices per user per month, so 10 users pay 10 × the per-user price: $30 for the enterprise add-on or $21 for the Copilot Business add-on (paid yearly, plus Microsoft 365 licences), or $23.50 on Business Standard with Copilot (licence included). The calculator above estimates a total.
    Can I pay for Microsoft 365 Copilot month to month?
    Not for the Copilot add-ons: both are annual commitments that you can pay monthly ($31.50 enterprise, $25.20 Business add-on, per user per month) or yearly. Business Standard and Business Premium with Copilot have monthly-billing prices of $28.20 and $38.40 per user.
    Is Copilot Chat free?
    Copilot Chat is included at no additional cost with eligible Microsoft 365 plans. Agents used in Copilot Chat are metered separately and need an Azure subscription.