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Microsoft Copilot pricing: plans and what they cost

This page covers the consumer version of Microsoft Copilot, which comes with Microsoft 365 plans for individuals and families. Microsoft 365 Personal is $9.99 a month or $99.99 a year. Microsoft 365 Family is $12.99 a month or $129.99 a year. Microsoft 365 Premium is $19.99 a month or $199.99 a year. Microsoft 365 Pro is $99.99 a month and is only offered with monthly billing. This page doesn’t cover GitHub Copilot or Microsoft 365 Copilot for work.

Last checked (Re-check due)Source: microsoft.com ↗
Microsoft 365 Personal$9.99/mo$99.99/yr · includes AI credits
Microsoft 365 Family$12.99/mo$129.99/yr · includes AI credits
Microsoft 365 Premium$19.99/mo$199.99/yr · higher AI limits
Microsoft 365 Pro$99.99/moMonthly billing only
Copilot Pro (standalone)Price not verifiedNot listed; the store link opens Microsoft 365 Premium

All Microsoft 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 Copilot plans and prices (USD, excl. tax)
PlanMonthly billingAnnual billingSeatsUsage (as published)
Microsoft 365 Personalindividual
$9.99
Price not verified (The vendor doesn’t publish an annual price for this plan.)
($99.99/yr)
1
    Microsoft 365 Familyindividual
    $12.99
    Price not verified (The vendor doesn’t publish an annual price for this plan.)
    ($129.99/yr)
    		1
      Microsoft 365 Premiumindividual
      $19.99
      Price not verified (The vendor doesn’t publish an annual price for this plan.)
      ($199.99/yr)
      		1
        Microsoft 365 ProindividualMonthly billing only.
        $99.99
        		Billed monthly only1

          Consumer plans only

          en-US prices in USD from “Copilot in Microsoft 365 plans for individuals”. We found no tax note, so prices are shown excluding tax. The free Copilot app isn’t listed as a plan on this page. GitHub Copilot and Microsoft 365 Copilot for work have their own pricing pages.

          Sources: Microsoft Copilot pricing (individuals)

          Buying Copilot for a business? Microsoft 365 Copilot pricing (work).

          Looking for the coding assistant? GitHub Copilot pricing.

          Sources: microsoft.com/en-us/copilot/pricing/individuals.

          Microsoft 365 (Copilot for individuals) cost calculator

          Uses Microsoft’s published consumer prices for Microsoft 365 for individuals. Excludes GitHub Copilot and Microsoft 365 Copilot for work. Tax is not included.

          Billing
          Plans that only offer one billing period use it automatically.
          Seats per plan
          $9.99 per user/mo, billed monthly · $99.99/yr, billed annuallyMicrosoft prints yearly totals, so the annual figures are totals, not per-month prices. Exact AI credit counts per plan: not verified.
          $12.99 per user/mo, billed monthly · $129.99/yr, billed annually
          $19.99 per user/mo, billed monthly · $199.99/yr, billed annually
          $99.99 per user/mo, billed monthly only

          Estimated cost

          Per year$119.88
          Per month (average)$9.99
          1 × Microsoft 365 Personal$119.88Microsoft Copilot (consumer) · Monthly billing · $9.99 per user/mo

          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 Copilot pricing works

          Which “Copilot” is this?

          Microsoft uses the name Copilot for several products. This page covers only the Copilot features in Microsoft 365 plans for individuals (Personal, Family, Premium and Pro). GitHub Copilot is a separate coding assistant with its own prices. Microsoft 365 Copilot for businesses is a separate work product, sold as an add-on. Neither is covered here.

          What happened to Copilot Pro?

          The pricing page doesn’t list a standalone Copilot Pro price. The Copilot Pro store link now opens the Microsoft 365 Premium page, so Copilot Pro looks like it has been replaced by Premium. Copilot Pro price: Price not verified.

          Monthly vs yearly

          Personal, Family and Premium cost less over a year on yearly billing. For example, 12 months of Personal on monthly billing is $119.88, compared with $99.99 a year. Microsoft 365 Pro is offered with monthly billing only.

          Related

          Microsoft Copilot pricing FAQ

          How much is Microsoft Copilot for individuals?
          It comes with Microsoft 365 Personal ($9.99/mo), Family ($12.99/mo), Premium ($19.99/mo) or Pro ($99.99/mo).
          How much is Copilot Pro?
          There is no standalone price on the page. It appears to have been replaced by Microsoft 365 Premium ($19.99/mo or $199.99/yr). Price not verified.
          Is this the same as GitHub Copilot?
          No. GitHub Copilot is a separate product with separate prices.
          Is this Microsoft 365 Copilot for business?
          No. Work and enterprise Copilot add-ons are priced separately.
          Can I pay yearly for Microsoft 365 Pro?
          No. It’s offered with monthly billing only.