Microsoft 365 Copilot is an AI assistant built into the Microsoft 365 apps, including Word, Excel, PowerPoint, Outlook and Teams. It grounds its answers in your own work data and includes pre-built agents for research and data analysis.
Pricing read from the Microsoft pricing page on 12 November 2026. The Copilot Business add-on is 18 dollars per user per month on an annual commitment, a promotional rate against an original 21 dollars, or 25.20 dollars billed monthly. The promotion runs to 31 December 2026 and applies to the first year only. Microsoft 365 Business Standard with Copilot is 23.50 dollars per user per month paid yearly, and Business Premium with Copilot is 32 dollars.
The headline price is not the whole bill. Microsoft states that everyday AI is included in the licence while advanced AI, the work you hand off, is billed as you use it. Usage-based billing for select advanced AI features appears on every plan card, and Microsoft does not publish those rates on the pricing page.
One operational note worth knowing: because Copilot runs on the same Microsoft 365 service layer as Outlook and Teams, it shares their availability. During the Exchange Online incident on 12 November 2026, Microsoft 365 Copilot reports to Downdetector rose more than a hundredfold while GitHub, also Microsoft, stayed broadly up.