Microsoft 365 Copilot pricing per user
Microsoft sells Copilot to small and mid-sized businesses in two ways. You can buy a Microsoft 365 plan with Copilot built in, or add Copilot Business to a plan you have. Business Premium with Copilot costs $32.00 per user a month paid yearly. Business Standard with Copilot costs $23.50. The Copilot Business add-on costs $18.00 per user a month paid yearly on a promo, down from $21.00. Figures are in USD and come from the Microsoft 365 Copilot pricing page on October 26, 2026.
Copilot business plans at a glance
| Plan | Paid yearly | Paid monthly |
|---|---|---|
| Microsoft 365 Business Premium with Copilot | $32.00 | $38.40 |
| Microsoft 365 Business Standard with Copilot | $23.50 | $28.20 |
| Microsoft 365 Copilot Business (add-on) | $18.00 promo ($21.00 before the promo) | $25.20 |
Prices are per user a month. The plans cover up to 300 users. Each plan includes Copilot in Word, Excel, PowerPoint, Outlook, and Teams. Some advanced AI features are billed by usage on top of the license fee.
The add-on promo
The page says the add-on discount runs from July 1, 2026, to December 31, 2026. The promo price applies to the first year. It needs an annual commitment, and it is not available on trials. The add-on is for existing Microsoft 365 customers with an eligible Business plan. Microsoft lists a 7-day window to cancel for a prorated refund.
Per user per year
Our math, per user per year:
| Plan | Paid yearly | Paid monthly |
|---|---|---|
| Business Premium with Copilot | $384 | $460.80 |
| Business Standard with Copilot | $282 | $338.40 |
| Copilot Business add-on | $216 promo, $252 at $21.00 | $302.40 |
What a team pays
Our math for 10 users, paid yearly:
- Copilot Business add-on: $2,160 in the promo year. At the $21.00 price it would be $2,520.
- Business Standard with Copilot: $2,820.
- Business Premium with Copilot: $3,840. Paid monthly, it comes to $4,608.
The add-on price does not include the Microsoft 365 plan under it. Budget for both.
What we left out
Microsoft lists Copilot plans for enterprise customers and individuals on other tabs. We did not read those tabs for this guide, so we do not quote their prices. Usage-based charges for advanced AI features are not listed as fixed prices.
Compare and track
See the Microsoft 365 price increase guide, the Google Workspace pricing guide, the ChatGPT Business pricing guide, the Claude Team plan pricing guide, and the Microsoft 365 vendor page. Get an alert when Microsoft 365 changes its prices.
FAQ
How much does Microsoft 365 Copilot cost per user? The Copilot Business add-on costs $18.00 per user a month paid yearly on a promo, down from $21.00. Paid monthly, it costs $25.20.
How long does the Copilot Business promo last? The page says the discount runs from July 1, 2026, to December 31, 2026, and the promo price applies to the first year.
Can I buy Microsoft 365 with Copilot included? Yes. Business Standard with Copilot costs $23.50 and Business Premium with Copilot costs $32.00 per user a month, paid yearly.
Is there a free trial of Microsoft 365 Copilot? Yes. The page lists a one-month free trial. The promo price is not available on trials.
How many users can a Microsoft 365 business plan with Copilot have? The business plans cover up to 300 users.
Checked 2026-10-26. Prices and policies change. Confirm on the source before you buy.
Sources
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