Copilot is an advanced AI assistant designed to revolutionize how we work, create, and communicate. Whether you seek enhanced performance, creativity tools, or integration with Microsoft 365, there's a Copilot plan for you. Learn about the different Copilot versions to find the subscription that works best for your needs.
OCTOBER 01, 2025 4 MIN READ
Which Copilot plan is right for you?
The different Copilot plans
There are four different ways to integrate Copilot into your workflow: Copilot Free, Microsoft 365 Personal, Microsoft 365 Family, and Microsoft 365 Premium. Let’s take a look at each plan and their uses.
Copilot Free
You can get access to Copilot—free of cost. Here's how:
- In your web browser: Visit copilot.microsoft.com and enjoy natural conversations with your AI companion, as well as generate and edit AI images. Free Copilot users get 15 boosts per day to generate images and get access to the latest AI models during non-peak hours.
- In the mobile app: Available for download on your Windows or macOS device, as well as on your phone through both the Apple App store and Google Play, the Copilot app is a great option for those who want to take the power of AI with them on the go.
Copilot in Edge: Your AI companion is also available to surf the web with you. Get quick, real-time, relevant answers without ever leaving the page just by selecting the Copilot icon in the upper right corner and typing or speaking your prompts. If you're new to AI and want to give Copilot a try, this Copilot plan may be right for you.
Microsoft 365 Family
The Microsoft 365 Family plan offers unmatched value for households. In addition to all the features in the Personal plan, you can enjoy the following with the Family plan:
- Share your subscription with up to 5 family members.
- Get up to 6 TB of cloud storage (1 TB per user) with ransomware protection plus Microsoft Defender for data and digital security.
The Family plan is a great solution that empowers each family member to stay on top of the everyday together.
Microsoft 365 Personal
The Microsoft 365 Personal plan allows you to get AI-powered productivity tools that help you save time and create like a pro. With this plan, you can enjoy:
- Higher Copilot usage limits on advanced AI features across Microsoft 365 and the Copilot app.
- Get productivity apps like Word, Excel,1 PowerPoint, and more, now with Copilot.
- Advanced security with Microsoft Defender.
- 1 TB cloud storage for your files and photos.
If you’re looking for a more efficient way to work with AI-supported apps, then the Personal plan may be right for you.
Microsoft 365 Premium
Ready to up your productivity game? Microsoft 365 Premium is a subscription for 1-6 people that includes cutting-edge AI,1 advanced security, cloud storage, and innovative apps, with ongoing customer support. Here are just a few of the upgraded Copilot features you can enjoy with this subscription:
- Up to 6 TB of cloud storage (1 TB per person)
- Word, Excel,1 PowerPoint, Outlook, and OneNote desktop apps with Microsoft Copilot2
- Highest usage limits for select Copilot features2
- Access to Copilot features currently exclusive to Premium subscribers2
- Microsoft Designer AI-powered image creator and editor2
Perfect for entrepreneurs, small business owners, freelancers, and those running a business from home, Premium offers a simplified and cost-effective way to enjoy security and productivity solutions in a single bundle.
Copilot Studio
Did you know that you can create and build your own, unique AI agent? Copilot Studio, one of our Microsoft 365 enterprise plans, is a low-code, end-to-end conversational AI platform that lets you build and customize agents. This is great for those who need AI for their personal needs or business.
With a Copilot Studio subscription, you can:
- Build, test, and publish your agents.
- Customize Copilot for Microsoft 365 (Copilot for Microsoft 365 required).
- Access generative AI plugins to enhance agent outputs.
Copilot Studio is available for $200 monthly,3,4 but you can start with a free 30-day trial using a school or work email.
Copilot Free vs. Microsoft 365 Premium
So, what’s the difference between Copilot free and Microsoft 365 Premium? Here’s a Copilot plans comparison for Copilot free versus paid:
- Access point
- Copilot Free: Available at https://copilot.microsoft.com and downloadable as an app.
- Copilot in Microsoft 365: Embedded within Microsoft 365 apps like Word, Excel, Outlook, Teams and more
- User experience
- Copilot Free: General-purpose AI assistant for web-based tasks
- Copilot in Microsoft 365: AI assistant integrated into each Microsoft 365 app for contextual help
- Subscription requirement
- Copilot Free: Free to use (with limited features)
- Copilot in Microsoft 365: Requires Microsoft 365 subscription (Family, Personal, or Premium)
- AI capabilities
- Copilot Free: Chat-based interactions, web search, summarization via web or mobile app
- Copilot in Microsoft 365: Deep integration with documents, emails, spreadsheets, calendars, and more
Frequently asked questions
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To upgrade to Microsoft 365 Premium, visit our Microsoft 365 plans comparison page.
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In Microsoft 365 Premium, you can enjoy exclusive access to select Copilot features and the highest usage limits available for Copilot, in addition to deep AI integration in your desktop productivity apps for even more efficient workflows.
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The Microsoft 365 Copilot app serves as your productivity app for work and life that helps you find and edit files, scan documents, and create content on the go. It is available to users with Microsoft 365 accounts. For more information, visit our Microsoft 365 Copilot information page.
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When you purchase a subscription to the Microsoft 365 Personal, Family, or Premium plan, Copilot is integrated into the Microsoft 365 apps you use.
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Copilot Chat is a conversational interface that allows users to interact with Copilot by typing or speaking prompts in natural language. It can answer questions, generate content, assist with tasks, and provide insights.
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Yes, Copilot is designed with enterprise-grade security and compliance in mind. It adheres to Microsoft’s privacy standards, ensuring that your data stays within your organization’s Microsoft 365 environment and is not used to train public AI models.
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Copilot uses advanced large language models (LLMs), including models from OpenAI such as GPT-5, combined with Microsoft’s proprietary technologies to provide context-aware assistance tailored to your needs.
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Copilot is available for free at copilot.microsoft.com, in the Copilot app, and as Copilot in Edge.
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Copilot is integrated with Microsoft 365 when you purchase a subscription to a Microsoft 365 Personal, Family, or Premium plan. You can also access Copilot for free at copilot.microsoft.com, in the Copilot app, and as Copilot in Edge.
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Popular uses of Copilot include drafting emails in Outlook, visualizing data in Excel, summarizing documents in Word and pages on the web, brainstorming creative ideas, generating meeting notes in Teams, and more.
DISCLAIMER: Features and functionality subject to change. Articles are written specifically for the United States market; features, functionality, and availability may vary by region.
- [1] Copilot in Excel requires AutoSave to be enabled, meaning the file must be saved to OneDrive; it doesn't function with unsaved files.
- [2] AI features only available to subscription owner and cannot be shared; usage limits apply. Learn more.
- [3] Licenses are capacity based and additional messages can be purchased. A billable message is a request or message sent to the copilot/bot triggering an action and/or response. Prices shown are for marketing purposes only and may not be reflective of the actual list price due to currency, country, and regional variant factors. Your actual price will be reflected in the checkout.
- [4] Microsoft Copilot Studio provides support for select copilot experiences in Microsoft Copilot, with plans to support additional copilot experiences such as Copilot in Microsoft 365. Availability and features are subject to change.
Mentioned in this article
Copilot
Copilot app
Copilot for individuals
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