This free Microsoft 365 Copilot cost calculator shows what Microsoft 365 Copilot will cost you per month and per year. Answer a few plain questions, and it picks the plan that fits and shows your total right away. It uses the prices on the official Microsoft 365 Copilot pricing page, checked on November 3, 2026, so you can plan your budget before you sign up.
What is Microsoft 365 Copilot?
Microsoft 365 Copilot adds AI to Word, Excel, Outlook, Teams and the rest of Microsoft 365.
Best for: Businesses already running on Microsoft 365.
How to use this Microsoft 365 Copilot cost calculator
The calculator at the top of this page asks only what it needs to price Microsoft 365 Copilot for you:
- Do you already have Microsoft 365? Pick the answer closest to you, and we match it to the right Microsoft 365 Copilot plan.
- How many people need Copilot? Count everyone who needs their own login. If a plan has a minimum or a limit, the calculator tells you.
- Choose how you pay. Tick the yearly box to see the annual price. If a plan is only sold one way, the calculator uses that price and says so.
- Read your answer. You see your best-fit plan and what it costs per month and per year. Open the plan list to compare every Microsoft 365 Copilot plan at your numbers.
How much does Microsoft 365 Copilot cost?
Microsoft 365 Copilot starts at $21 a month at its lowest paid price. Your bill depends on how many people need a login. Prices can change, so check the official page before you buy. The calculator above shows your total in about a minute.
Priced per user. You can buy Copilot Business as an add-on to an existing Microsoft 365 plan or as a bundle with Business Standard or Business Premium.
| Plan | Monthly billing | Annual billing, per month | Notes |
|---|---|---|---|
| Copilot Business add-on | $25.20 per seat | $21 per seat | Needs an eligible Microsoft 365 plan. |
| Business Standard with Copilot | $28.20 per seat | $23.50 per seat | Bundle, one-month free trial. |
| Business Premium with Copilot | $38.40 per seat | $32 per seat | Bundle, one-month free trial. |
What does each Microsoft 365 Copilot plan include?
Microsoft 365 Copilot Copilot Business add-on
Copilot Business add-on costs $25.20 a month per seat on monthly billing, or $302.40 a year. On annual billing it is $21 a month per seat, or $252 a year. Needs an eligible Microsoft 365 plan.
Microsoft 365 Copilot Business Standard with Copilot
Business Standard with Copilot costs $28.20 a month per seat on monthly billing, or $338.40 a year. On annual billing it is $23.50 a month per seat, or $282 a year. Bundle, one-month free trial.
Microsoft 365 Copilot Business Premium with Copilot
Business Premium with Copilot costs $38.40 a month per seat on monthly billing, or $460.80 a year. On annual billing it is $32 a month per seat, or $384 a year. Bundle, one-month free trial.
Is Microsoft 365 Copilot cheaper on monthly or annual billing?
Annual billing is cheaper on Copilot Business add-on, Business Standard with Copilot and Business Premium with Copilot. The largest saving is on Business Premium with Copilot, at $76.80 a year per seat, or about 17% off the monthly rate. The trade-off is that you commit for a full year, so try a month first if you are not sure the tool will stick.
What will Microsoft 365 Copilot cost for your team?
These budgets use the lowest-priced paid plan that fits, on monthly billing and before tax. Microsoft 365 Copilot plans differ in features, so check that the plan has what you need.
- One person would pay about $25.20 a month on Copilot Business add-on, or $302.40 a year.
- A team of 5 would pay about $126 a month on Copilot Business add-on, or $1,512 a year.
- A team of 20 would pay about $504 a month on Copilot Business add-on, or $6,048 a year.
When should you upgrade your Microsoft 365 Copilot plan?
Upgrading makes sense when a higher limit or a feature you need is worth more than the price step. Here is what each step costs, using regular prices.
- Moving from Copilot Business add-on to Business Standard with Copilot adds $3 a month per seat, or $36 a year. Bundle, one-month free trial.
- Moving from Business Standard with Copilot to Business Premium with Copilot adds $10.20 a month per seat, or $122.40 a year. Bundle, one-month free trial.
What hidden Microsoft 365 Copilot costs should you watch for?
- The add-on needs an eligible Microsoft 365 plan, and that plan's cost is not in the add-on price.
- An $18 promo price on the annual add-on applies to eligible customers for purchases through December 31, 2026, first year only. The calculator uses the regular $21.
- Copilot Cowork, Autopilot and the Work IQ API are billed by usage on top.
How should you budget for Microsoft 365 Copilot?
AI assistants and workspaces are usually priced per person, so the biggest question is who really needs a seat. Rolling a tool out to everyone costs the same whether people use it daily or never, and paid seats that sit idle are money wasted.
When you estimate Microsoft 365 Copilot, price a small group of regular users first, not the whole company. Also check whether AI is included in the plan or sold on top, and whether advanced features bill by usage. Add the cost of any base subscription that the AI plan depends on.
How can you lower your Microsoft 365 Copilot bill?
- Start with the people who will use it every day and expand once you can see the value.
- Check seat usage every quarter and remove people who have stopped logging in.
- Compare annual and monthly pricing, but only commit once your seat count is stable.
- Avoid paying for two assistants that do the same job for the same people.
- Agree who can turn on usage-billed features so the bill stays predictable.
What are the main Microsoft 365 Copilot alternatives?
If Microsoft 365 Copilot does not fit your budget, compare it with these tools. Prices are the lowest paid rates on each official page and may need annual billing.
| Tool | Lowest paid price | Free plan | Best for |
|---|---|---|---|
| Microsoft 365 Copilot | $21/mo | Not listed | Businesses already running on Microsoft 365. |
| Gemini Enterprise cost calculator | $21/mo | Not listed | Companies that want Google's AI across a team with admin controls. |
| Claude Pro, Max and Team cost calculator | $17/mo | Yes | People and teams who use Claude every day and want predictable monthly costs. |
| Notion cost calculator | $10/mo | Yes | Teams that want docs, projects and AI in one place. |
Microsoft 365 Copilot cost FAQ
How much does Microsoft 365 Copilot cost per month?
Copilot Business add-on is $25.20 per seat a month, Business Standard with Copilot is $28.20 per seat a month, Business Premium with Copilot is $38.40 per seat a month. Prices were checked on November 3, 2026.
How does Microsoft 365 Copilot pricing work?
Priced per user. You can buy Copilot Business as an add-on to an existing Microsoft 365 plan or as a bundle with Business Standard or Business Premium.
Does Microsoft 365 Copilot have a free plan?
The Microsoft 365 Copilot pricing page does not list a free plan. Check the official page for any current trial.
What is the cheapest paid Microsoft 365 Copilot plan?
Copilot Business add-on has the lowest regular price at $25.20 a month per seat. Check that its limits suit you, since the cheapest plan is not always the best value.
How much does Microsoft 365 Copilot cost for a team of 5?
About $126 a month on Copilot Business add-on, or $1,512 a year. Enter your own team size in the calculator for an exact figure.
Is Microsoft 365 Copilot cheaper on annual billing?
Yes. For example, Copilot Business add-on is $25.20 a month on monthly billing and $21 a month on annual billing, which saves $50.40 a year per seat.
What should I watch out for with Microsoft 365 Copilot pricing?
The add-on needs an eligible Microsoft 365 plan, and that plan's cost is not in the add-on price. An $18 promo price on the annual add-on applies to eligible customers for purchases through December 31, 2026, first year only. The calculator uses the regular $21. Copilot Cowork, Autopilot and the Work IQ API are billed by usage on top.
How accurate is this Microsoft 365 Copilot cost calculator?
It uses the prices on the official Microsoft 365 Copilot pricing page, checked on November 3, 2026, and adds them up for your plan, team size and usage. Treat the result as an estimate. It leaves out tax, optional add-ons and any discount you negotiate, and prices can change.
Get your Microsoft 365 Copilot cost estimate
Now put in your own numbers. The Microsoft 365 Copilot cost calculator at the top of this page gives you a figure in about a minute. Use it before you pick a plan, then check the official page, since prices change. Still deciding? Compare other AI tools.
Source and last checked date
These prices come from the official Microsoft 365 Copilot pricing page, last checked on November 3, 2026. Prices can change, so confirm on that page before you buy.
More in AI assistants and workspaces: Claude Pro, Max and Team cost calculator, Gemini Enterprise cost calculator, Notion cost calculator. Or browse all AI tools.