Listed in Chatbots & assistants

Microsoft Copilot

Microsoft's free AI chat, built into Windows, Edge and Office. Pricing, the evidence and the alternatives, checked Oct 2026.

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At a glance

CH 109AI assistantFree tier

Microsoft Copilot

AI chatbot

Microsoft's free AI chat, built into Windows, Edge and Office.

Best for
Windows and Microsoft 365 users who want a free assistant that already lives in their apps.
Red flags
Free use is capacity-limited with no published numbers; Copilot in Word, Excel and PowerPoint needs Microsoft 365; Family plan AI is for the owner only.
Price
$0 with these limitsFree chat, image and voice with capacity limits (not published)Upgrade: $99.99/yr (Microsoft 365 Personal, about $8.33/mo); $9.99 monthly
Opening line: “Summarize this long email thread and draft a short, polite reply.”
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Our take on Microsoft Copilot

Microsoft Copilot: Microsoft's free AI chat, built into Windows, Edge and Office. Best for windows and Microsoft 365 users who want a free assistant that already lives in their apps. Watch out for: free use is capacity-limited with no published numbers; Copilot in Word, Excel and PowerPoint needs Microsoft 365; Family plan AI is for the owner only. Price: $99.99/yr (Microsoft 365 Personal, about $8.33/mo); $9.99 monthly (free tier, checked Oct 2026).

Note: Free in the Copilot app, on the web, in Windows and in Edge. Microsoft 365 Personal, Family and Premium raise the limits and add Copilot inside Word, Excel, PowerPoint and Outlook; Premium adds Researcher, Analyst and more usage. US prices from Microsoft's individual plans page.

Free tierFree tier: Free chat with capacity limits
Job in a stackAI assistant, AI chatbot
Cheapest paid planMicrosoft 365 Personal, $8.33/mo (billed annually)
Price checked2026-10-20, verified

What Microsoft Copilot costs

PlanPriceBillingKey limits
FreeFreefreeCopilot chat, images and voice with capacity limits
Microsoft 365 Personal$8.33/mo$99.99/year; $9.99 monthlyHigher Copilot usage; Copilot in Word, Excel, PowerPoint, Outlook; 1 TB
Microsoft 365 Family$10.83/mo$129.99/year; $12.99 monthlyUp to 6 people, 2 TB shared; AI for the subscription owner only
Microsoft 365 Premium$16.67/mo$199.99/year; $19.99 monthlyExtensive Copilot usage, Researcher and Analyst, more image and voice
Microsoft 365 Pro$99.99/momonthly billing onlyEverything in Premium plus 5 TB storage and the highest Copilot, agentic AI, visual and audio usage

From microsoft.com/en-us/copilot/pricing/individuals, checked 2026-10-20, verified. Prices are before tax and vendors change them often.

What outside sources say

TypeSourceResultDate
ratingApple App Store (US)4.70/5 from 1,360,785 ratings ("Microsoft Copilot")2026-10-19

Our scores: quality 4.05/5, ease 4.6/5, value 4/5 ($2.10 per quality point). Editorial start 4/4.5; benchmark adjustment +0, rating adjustment +0.1. How we rank.

If Microsoft Copilot isn’t the one

Questions people ask

Is Microsoft Copilot free?

Free tier. Cheapest paid plan: $99.99/yr (Microsoft 365 Personal, about $8.33/mo); $9.99 monthly (checked Oct 2026).

What is Microsoft Copilot best for?

Windows and Microsoft 365 users who want a free assistant that already lives in their apps.

What are the downsides of Microsoft Copilot?

Free use is capacity-limited with no published numbers; Copilot in Word, Excel and PowerPoint needs Microsoft 365; Family plan AI is for the owner only.

What are the best Microsoft Copilot alternatives?

Mistral Vibe (Le Chat), Claude, ChatGPT, Gemini.