Pricing guides · Microsoft
Updated · By llmwise, AI-assisted.
Copilot pricing: every plan and the API
Microsoft sells Copilot inside Microsoft 365: Copilot (free), Microsoft 365 Personal at $9.99, Microsoft 365 Premium at $19.99 and Microsoft 365 Pro at $99.99 a month. Copilot Pro's link now opens Microsoft 365 Premium, and Microsoft publishes no message count or model names. llmwise Pro ($20) counts each model: up to 31 GPT-6 Astra messages a month.
Every Copilot plan and its price
Every Copilot plan and its price in Microsoft's own words, checked September 28, 2026, before tax.
| Plan | Price | For | In Microsoft's words |
|---|---|---|---|
| Copilot (free) | Free | A limited free version, subject to capacity | “Yes. Microsoft offers a limited free version of Copilot subject to available capacity and limits.” (Microsoft: Copilot plans for individuals) |
| Microsoft 365 Personal | $9.99 a month | Office apps with Copilot, standard AI limits | “Microsoft 365 Personal: $9.99: /month” (Microsoft: Copilot plans for individuals) |
| Microsoft 365 Premium | $19.99 a month | No count; Chat is “extensive use” | “Buy now $19.99/month” (Microsoft Store: Microsoft 365 Premium) |
| Microsoft 365 Pro | $99.99 a month | Microsoft's highest AI limits; monthly billing only | “Microsoft 365 Pro: $99.99: /month: Monthly billing only.” (Microsoft: Copilot plans for individuals) |
What does Copilot's API cost per message?
llmwise doesn't carry Microsoft's own models; the table below prices the models it does carry.
| Model | API price per million tokens (in / out) | A typical message | On llmwise Pro | Least a message costs on llmwise Pro |
|---|---|---|---|---|
| Claude Fable 5.1 | $10.00 / $50.00 | $0.0750 | Up to 31 a month | $0.65 |
| GPT-6 Astra | $10.00 / $50.00 | $0.0750 | Up to 31 a month | $0.65 |
| Gemini 3.1 Pro (preview) | $2.00 / $12.00 | $0.0164 | Up to 125 a month | $0.16 |
| Grok 4.7 | $2.00 / $6.00 | $0.0122 | Up to 250 a month | $0.08 |
| Claude Opus 5.5 | $4.00 / $20.00 | $0.0300 | Up to 62 a month | $0.32 |
| GPT-6 Sol | $2.00 / $10.00 | $0.0150 | Up to 125 a month | $0.16 |
llmwise's paid plans also cap AI cost each month for fair use (Plus $3.75, Pro $7.50, Max $20, Ultra $42, Studio $85). A whole month of typical messages costs less than that; very long messages and deep research cost more. Every limit, explained.
What does Microsoft do with your Copilot chats?
From Microsoft's privacy pages as they read on September 28, 2026. For comparison, llmwise trains no models on what you send, and a chat stays until you delete it.
| Service | Used for training | Opting out | How long chats stay |
|---|---|---|---|
| Microsoft Copilot | By default, yes | Opt out of model training in Copilot's privacy settings | 18 months by default |
“Train our generative AI models to create a better experience for you and others.”
Quoted from Microsoft Support: Privacy FAQ for Microsoft Copilot
“opt out of use of your conversation activity for model training”
Quoted from Microsoft Support: Privacy FAQ for Microsoft Copilot
“By default, we store conversation activity for 18 months.”
Quoted from Microsoft Support: Privacy FAQ for Microsoft Copilot
What else Microsoft says about Copilot's prices
“Microsoft 365 Copilot brings together AI capabilities from AI models selected by Microsoft within a single experience.”
Copilot's plans, one by one
- Copilot Pro: price, limits and what replaced it
No count; Chat is “extensive use”
- Microsoft Copilot vs llmwise
Also from primary sources: Microsoft Support on Microsoft 365's AI limits (AI features and their limits in each Microsoft 365 plan for people). Read .
Copilot pricing, asked and answered
How much is Copilot Pro now?
Microsoft's Copilot Pro store link opens Microsoft 365 Premium (checked September 28, 2026): $19.99 a month, or $199.99 a year.
Is Copilot free?
Yes: Microsoft says it offers a limited free version of Copilot, subject to available capacity and limits. The Microsoft 365 plans raise those limits.
Which models does Copilot use?
Microsoft's plans page says its Copilot combines capabilities from AI models selected by Microsoft; it doesn't list them. llmwise names each model you pick.
Copilot's price beside a per-message plan
llmwise doesn't sell Copilot. On Pro ($20) it prices 20 models by the message instead: a GPT-6 Sol message costs as little as $0.16.