Microsoft Copilot review

Copilot is the best fit for people whose work happens in Word, Excel, PowerPoint and Outlook. Microsoft sells it for individuals inside Microsoft 365, so the $9.99 per month Personal plan buys the desktop Office apps, 1 TB of cloud storage, security features and Copilot chat with higher usage than the free tier. That bundle is good value if you would pay for Office anyway. In Word, Copilot drafts from your notes; in Excel and PowerPoint it helps turn numbers into analysis and prompts into slides. The stronger tools, Researcher for gathering information and Analyst for data, plus the largest usage allowances, sit in Microsoft 365 Premium at $19.99 per month, and Pro costs $99.99 per month. Family at $12.99 covers up to six people, but Microsoft says the AI features are for the subscription owner only. As a standalone chat assistant, Copilot does less than ChatGPT, Claude or Gemini.

Who it is for

Households and freelancers who already pay for Microsoft 365 or want Office apps and AI in one subscription.

Price

Free Copilot app; Microsoft 365 Personal with Copilot $9.99 per month; Family $12.99; Premium $19.99.

Microsoft 365 Personal $9.99 /month
Quoted from the vendor pricing page on November 9, 2026.

Key features

• Copilot in Word, Excel, PowerPoint and Outlook desktop apps
• Researcher and Analyst agents on Premium and Pro
• Cowork for planning and completing multi-step tasks
• AI image creation and visual help from your screen or camera
• 1 TB of cloud storage on Microsoft 365 Personal

Strengths and weaknesses

• Strength: Personal at $9.99 per month includes Office apps, 1 TB of storage and Copilot
• Strength: Copilot works inside the documents you already use
• Strength: Free one-month trial on Personal and Family
• Weakness: Researcher, Analyst and the highest limits need Premium at $19.99 per month
• Weakness: On Family, the AI features are for the subscription owner only
• Weakness: The standalone free tier has lower usage limits

Key facts

• Free plan: Yes, Copilot with lower usage limits
• Paid tiers: Microsoft 365 Personal, Family, Premium, Pro
• Free trial: 1 month on Personal and Family

Where it ranks

Microsoft Copilot is No. 5 in our Best AI Chatbots verdict.