Works inside Word, Excel, PowerPoint and Outlook with the Microsoft 365 plan you may already pay for.
Price checked 02.11.2026
About the company
Microsoft launched its assistant as Bing Chat in February 2023 and renamed it Copilot that November. The consumer version runs on OpenAI models and reaches you through Windows, the Edge browser and the Office apps. In 2025 Microsoft folded the separate Copilot Pro subscription into Microsoft 365 Premium, so you now get the assistant as part of the office suite. The free app covers everyday chat, and the paid tiers raise the limits and add Copilot inside your documents.
Sources: microsoft.com
What it does
- Copilot in Word, Excel, PowerPoint and Outlook
- Voice and camera assistance
- Memory across conversations
- Image creation
What it costs
| Plan | Price | What you get |
|---|---|---|
| Free | $0per month | everyday chat, limited image creation |
| Microsoft 365 Personal | $9.99per month | Copilot in Office apps, 1 TB storage |
| Microsoft 365 Family | $12.99per month | up to 6 people, AI for the owner only |
| Microsoft 365 Premiummost picked | $19.99per month | extensive Copilot usage, research agents |
| Microsoft 365 Pro | $99.99per month | highest usage, 5 TB storage |
Worth it?
Stronger
- Works inside the Office files you already use
- Comes with cloud storage and the Office apps
Weaker
- In the Family plan only the subscription owner gets the AI features
- The highest usage needs the 99.99 dollar Pro tier
- Voice mode
- Reads files you upload
- Remembers past conversations
- Generates images
- Desktop app
- Phone app