Copilot is Microsoft’s AI assistant. It is built into Windows, the Edge browser, Bing and the Microsoft 365 apps: Word, Excel, PowerPoint, Outlook and Teams. Microsoft uses models from OpenAI and other providers, so the quality of the answers is close to the leading chat tools.
Copilot plans and prices
Microsoft no longer focuses on a separate Copilot Pro subscription. For home users, Copilot features in the Office apps now come with Microsoft 365 plans.
| Plan | Price | What you get |
|---|---|---|
| Copilot (free) | $0 | Chat, web answers and images in the Copilot app and Edge |
| Microsoft 365 Personal | $9.99 per month | Office apps for one person, with AI features |
| Microsoft 365 Family | $12.99 per month | Office for up to 6 people, AI for the owner |
| Microsoft 365 Premium | $19.99 per month | The highest Copilot limits for home users |
| Copilot Business | From $21 per user per month | Copilot for companies with Microsoft 365 business plans |
What Copilot does well
- Excel: explains formulas, builds tables and finds patterns in your data.
- Outlook and Teams: summarizes long email threads and meetings.
- Word and PowerPoint: turns a document into a presentation draft.
- For companies, it respects existing Microsoft 365 permissions and security settings.
Weak points
- The best features need a Microsoft 365 subscription, and business licenses add up quickly.
- On the Family plan, AI features are for the account owner only.
- For creative writing and long research, many users still prefer ChatGPT, Claude or Gemini.
Who should use Copilot
If your team already works in Word, Excel and Outlook every day, Copilot saves time without changing your tools. If your company uses Google Workspace, Gemini is the natural alternative. If you only need a smart chat, the free Copilot app is a solid option.
Prices and dates in this article were checked on November 10, 2026. AI companies change them often, so always confirm on the official pricing page before you buy.
Frequently asked questions
Is Microsoft Copilot free?
Yes, the Copilot app, Copilot in Edge and Bing are free. Copilot inside Word, Excel and Outlook needs a Microsoft 365 plan.
What happened to Copilot Pro?
Microsoft moved its premium consumer AI features into Microsoft 365 plans, with Microsoft 365 Premium at $19.99 per month as the top home plan.
Is Copilot good for Excel?
Yes, it is one of its strongest uses. It can explain formulas, build summaries and suggest charts from your data.
Read next
- AI Subscription Prices Compared, November 2026: ChatGPT, Claude, Gemini, Grok and More
- Google Gemini Review 2026: AI Plus, AI Pro and Ultra Plans and Prices
- ChatGPT Review 2026: Free, Go, Plus and Pro Plans, Models and Prices
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