Independent AI buying guide
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Last checked 26 Oct 2026
Prices & plans
Every Microsoft Copilot plan by Microsoft: what it costs, which AI models you get and whether the free plan is enough. Every price links to its source, and we re-check them every week.
The short answer
Microsoft Copilot · 3 plans
Cheapest way in
Free
Yes. Microsoft Copilot has a free plan. Paid plans start with Microsoft Copilot Microsoft 365 Personal at $9.99/mo.
Is the free plan enough?
No test scores yet
We don't have independent test scores for Microsoft Copilot's free plan yet, so we can't say how close the free plan gets.
Highest score
—
We don't have independent test scores for Microsoft Copilot yet.
Prices per month, with the official source and the date we checked it.
| Plan | Price |
|---|---|
| Free | FreeSource: Microsoft · verified 26 Oct 2026 |
| Microsoft 365 Personal | $9.99/moSource: Microsoft · verified 26 Oct 2026 |
| Microsoft 365 Premium | $19.99/moSource: Microsoft · verified 26 Oct 2026 |
The sourced facts per plan: price, AI models and what's included. Our opinion comes after.
Free plan
Paid plan
Paid plan
On every plan. Our take is opinion; strengths and limitations are sourced facts.
Our take (opinion, reviewed 7 Oct 2026)
Makes most sense if you already pay for Microsoft 365. As a standalone chatbot, there are better options.
Good for
Not for
Prices are copied from each company's own pages, never estimated: a price we couldn't check says so. Scores come from independent benchmarks. Read how we rank, or see every AI plan side by side.