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MicrosoftAI Assistant

Microsoft Copilot

Microsoft Copilot is an assistant for Microsoft 365 users. Copilot Chat comes with eligible plans. The paid license answers from each user's email, files, meetings, and chats. It adds Copilot to Word, Excel, PowerPoint, Outlook, and Teams, plus agents built in Agent Builder and Copilot Studio.

The 30-Second Take

Buy the paid Microsoft Copilot license role by role, since Copilot Chat already comes with eligible Microsoft 365 plans.

Published trials put the saving near 1 to 1.5 hours per license a week, and none links that time to more output. HMRC's randomized trial found about an hour, and DBT found no productivity gain.

Best fit
Organizations whose mail, files, and meetings live in Microsoft 365 and that want the assistant under Microsoft 365's enterprise data terms.
Main constraint
Copilot reaches what users can open. Overshared content becomes an answer.
First move
Make Copilot Chat available to everyone. Fix oversharing before a paid-license pilot by role.

Why

If your work lives in Outlook, Teams, and SharePoint, Copilot runs under data terms you have already signed. It answers from anything a user can open, so fix overshared SharePoint sites before the pilot.

Practitioner sentiment, leaders and teams−3 Mixed

38 practitioners, 124 sources reviewed, Updated Oct 30, 2026How this is measured

Read the GILD Review
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Operating stack
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Comparisons

How does Microsoft Copilot compare with the alternatives?

See all 11 comparisons

  1. Microsoft Copilot vs ChatGPT

    • AI Assistants
    • AI Costs

    Give everyone the included Copilot Chat, pay US$30 per user for Copilot where people work inside the Office apps. Add ChatGPT Business, from US$20 billed annually, for roles that want a standalone assistant across tools.

  2. Microsoft Copilot vs Gemini

    • AI Assistants
    • AI Costs

    Choose by the suite your company runs. Google includes Gemini in Workspace plan prices, while Microsoft includes Copilot Chat and sells work-grounded Copilot per user or inside E7.

  3. Microsoft Copilot vs Claude

    • AI Assistants

    Start with Copilot inside Microsoft 365, which already offers Anthropic models as a subprocessor. Add Claude seats where teams need its own app, Cowork, and Excel, Word, and PowerPoint add-ins.

Operator Insights

What are business and product leaders learning from rolling Microsoft Copilot out across their teams?

See all 19 operator accounts

Buying and deployment

What business and product leaders should verify before rolling it out across teams.

Sourced from Microsoft documentation

How you buy it

US$30

Per user per month for Microsoft 365 Copilot, paid yearly. Copilot Chat comes with eligible plans.

Source 1, Microsoft, Copilot for enterprise pricing: Copilot for enterprise pricingSource 2, Microsoft, Copilot for business pricing: Copilot for business pricingSource 4, Microsoft, License options: License optionsSource 5, Microsoft, Microsoft 365 E7 pricing: Microsoft 365 E7 pricing

Details

Copilot Chat is included with eligible Microsoft 365 plans. Microsoft 365 Copilot lists at US$30 per user per month paid yearly, or US$31.50 paid monthly on an annual commitment, on top of a qualifying plan. Copilot Business lists at US$21 paid yearly, discounted to US$18 for the first year on annual orders placed July 1 to December 31, 2026, or US$25.20 monthly, for up to 300 users. Microsoft 365 E7, at US$99, includes Copilot.

Cost drivers

US$200

A month for 25,000 Copilot Studio credits. Licensed users' own agent use is included.

Source 6, Microsoft, Pay-as-you-go service overview: Pay-as-you-go service overviewSource 2, Microsoft, Copilot for business pricing: Copilot for business pricingSource 7, Microsoft, Copilot Studio plans and pricing: Copilot Studio plans and pricingSource 10, learn.microsoft.com, Microsoft Learn: Use Copilot Studio capacity packs for Microsoft Copilot Chat and SharePoint agents: Microsoft Learn: Use Copilot Studio capacity packs for Microsoft Copilot Chat and SharePoint agents

Details

Licensed seats first, then metered usage: agents for Copilot Chat users and Copilot Cowork bill through an Azure subscription or Copilot Credits. Copilot Studio sells packs of 25,000 credits at US$200 a month. Employee-facing agent use by Copilot-licensed users is included. A pay-as-you-go billing policy charges per credit for any usage. If you pair a Prepaid Capacity pack with pay-as-you-go billing, usage beyond the prepaid amount is billed automatically at the per-credit pay-as-you-go rate.

Where it runs

Inside Office

Word, Excel, PowerPoint, Outlook, and Teams, within each user's Microsoft 365 permissions.

Source 8, Microsoft, What is Microsoft Copilot?: What is Microsoft Copilot?Source 1, Microsoft, Copilot for enterprise pricing: Copilot for enterprise pricingSource 3, Microsoft, Data, privacy, and security: Data, privacy, and security

Details

The Microsoft Copilot app on web, desktop, and mobile; Copilot in Word, Excel, PowerPoint, Outlook, OneNote, and Teams; Copilot Chat in Edge. Answers stay within Microsoft 365 permissions, and the models include OpenAI's and Anthropic's, both as subprocessors.

What to verify

Overshared sites

Fix SharePoint oversharing before licenses go out, and check Anthropic models fit your data rules.

Source 3, Microsoft, Data, privacy, and security: Data, privacy, and securitySource 9, Microsoft, Anthropic models in Microsoft Online Services: Anthropic models in Microsoft Online ServicesSource 2, Microsoft, Copilot for business pricing: Copilot for business pricing

Details

Check which SharePoint sites are overshared before licenses go out. Decide whether Anthropic models, on by default outside the EU, EFTA, and UK and excluded from the EU Data Boundary, fit your data rules. Ask whether a Copilot Business quote is the list price or the promotion, which Microsoft applies to the first year only before the subscription auto-renews.

Signals

What is the current evidence saying about Microsoft Copilot?

A current read of what people, admins, and organizations using Microsoft Copilot at work report publicly, with every finding linked to its sources.

Whose sources count

Practitioner sentiment, leaders and teams

−3 Mixed net

of 40 sources that take a side, each author counted once.

How this figure is made

Current sentiment

Positive, mixed and negative sources

The score counts them as 12 positive, 13 mixed and 13 negative votes, one per author.

IT leaders, departments, and organization-wide evaluations split close to evenly. Every one of their sources that discusses admin controls or oversharing raises it as a problem, and license cost follows. Copilot staying inside existing Microsoft 365 data terms and its meeting recaps draw the most praise, 5 positive accounts each. Of the 11 that say how licenses were assigned, 8 gave them to selected roles first.

Run a pilot on your team's recurring tasks to measure how often answers are used without rework.

Evidence field. All 124 sources, one mark each.

Arrange by

Each mark is one source: positive, mixed, negative, no opinion stated, or documentation (not counted).

By sentiment, Leaders and teams rolling it out. Every source GILD read, grouped as the field draws it.
GroupSourcesPositiveMixedNegativeNo opinion stated and not counted in the scoreDocumentation, checked and not counted
Positive12120000
Mixed15015000
Negative13001300
Not counted17000170
Documentation16000016
Outside this group516817200
Every source GILD read, by the quarter it was published, as the field's time axis counts it. Documentation is dated by the day it was checked.
QuarterSources
Q1 202512
Q2 202513
Q3 202510
Q4 202516
Q1 202611
Q2 20269
Q3 202620
Q4 202617
Documentation, checked16

By sentiment

16 documentation pages check facts and are not counted; 51 sit outside this group.

Hover a mark for a quick look, click it or press Enter to open its source.Tap a mark to open its source, then step to its neighbors with Previous and Next.

What practitioners praise

Top praise of 3. Each mark is a source on it; filled marks praise it.

  1. Meeting RecapsAll 5 sources on it praise it

Most common concerns

Top concern of 4. Each mark is a source on it; filled marks raise it.

  1. Admin ControlsAll 6 sources on it raise it as a concern
All 124 sources behind these findings
  1. X post on sharing Copilot NotebooksDoubleDelight, X user (self-described: Sharing Copilot Notebooks with students), X post, published Oct 27, 2026
  2. Comment in r/sysadmin on the unified Copilot app in a GCC tenantCoknZambies, Reddit commenter and sysadmin (self-described: A GCC tenant whose users are stuck on the unified Copilot app), Reddit comment, r/sysadmin, published Oct 27, 2026
  3. Comment in r/sysadmin on building a Power Automate flow with CopilotBrokenByEpicor, Reddit commenter and sysadmin (self-described: Building a Power Automate flow with little prior experience), Reddit comment, r/sysadmin, published Oct 23, 2026
  4. X post on Teams transcripts and summariesFrancis Deng, MD, associate professor of neuroradiology, Johns Hopkins (self-described: Teaching conferences and meetings on Teams), X post, published Oct 23, 2026
  5. Comment in r/Office365 on Copilot document reviewBlowingleaves17, Reddit commenter (self-described: Uses Microsoft 365 only to create documents), Reddit comment, r/Office365, published Oct 22, 2026
  6. X post on Copilot writing PowerShellMurray, IT professional (self-described: Education tenant on the basic Copilot included with Microsoft 365), X post, published Oct 21, 2026
  7. Comment in r/Office365 on managing the Copilot Teams appgurban2013, Reddit commenter and Teams admin (self-described: Teams admin converting apps to admin-managed), Reddit comment, r/Office365, published Oct 20, 2026
  8. X post on Copilot autofill in ExcelLibby, X user (self-described: Manual Excel work), X post, published Oct 16, 2026
  9. Streaming: custom engine agent responses longer than 2 minutes can't be delivered in M365 CopilotMayank-Draup, GitHub user (self-described: Team running a custom engine agent built on the Agents SDK for Python), GitHub issue, OfficeDev/microsoft-365-agents-toolkit, published Oct 13, 2026
  10. Microsoft Copilot for business: plans and pricingMicrosoft (Official Microsoft pricing pages and Microsoft Learn documentation), Product documentation, checked Oct 12, 2026
  11. Microsoft Copilot for enterprise: plans and pricingMicrosoft (Official Microsoft pricing pages and Microsoft Learn documentation), Product documentation, checked Oct 12, 2026
  12. Microsoft 365 E7Microsoft (Official Microsoft pricing pages and Microsoft Learn documentation), Product documentation, checked Oct 12, 2026
  13. License options for Microsoft CopilotMicrosoft (Official Microsoft pricing pages and Microsoft Learn documentation), Product documentation, checked Oct 12, 2026
  14. What is Microsoft Copilot?Microsoft (Official Microsoft pricing pages and Microsoft Learn documentation), Product documentation, checked Oct 12, 2026
  15. Overview of Microsoft Copilot ChatMicrosoft (Official Microsoft pricing pages and Microsoft Learn documentation), Product documentation, checked Oct 12, 2026
  16. Data, privacy, and security for Microsoft CopilotMicrosoft (Official Microsoft pricing pages and Microsoft Learn documentation), Product documentation, checked Oct 12, 2026
  17. Enterprise data protection in Microsoft Copilot and Copilot ChatMicrosoft (Official Microsoft pricing pages and Microsoft Learn documentation), Product documentation, checked Oct 12, 2026
  18. Anthropic models in Microsoft Online ServicesMicrosoft (Official Microsoft pricing pages and Microsoft Learn documentation), Product documentation, checked Oct 12, 2026
  19. SharePoint Advanced Management overviewMicrosoft (Official Microsoft pricing pages and Microsoft Learn documentation), Product documentation, checked Oct 12, 2026
  20. Comparing E3, E5, and E7 license features for CopilotMicrosoft (Official Microsoft pricing pages and Microsoft Learn documentation), Product documentation, checked Oct 12, 2026
  21. Manage agents in the Microsoft 365 admin centerMicrosoft (Official Microsoft pricing pages and Microsoft Learn documentation), Product documentation, checked Oct 12, 2026
  22. Copilot controls overviewMicrosoft (Official Microsoft pricing pages and Microsoft Learn documentation), Product documentation, checked Oct 12, 2026
  23. Microsoft Copilot pay-as-you-go overviewMicrosoft (Official Microsoft pricing pages and Microsoft Learn documentation), Product documentation, checked Oct 12, 2026
  24. Copilot Studio billing rates and managementMicrosoft (Official Microsoft pricing pages and Microsoft Learn documentation), Product documentation, checked Oct 12, 2026
  25. Copilot Cowork FAQMicrosoft (Official Microsoft pricing pages and Microsoft Learn documentation), Product documentation, checked Oct 12, 2026
  26. MCP agent connector with DCR works in Copilot Cowork but returns "User does not have sufficient permissions" in Copilot Chat and Researcherankitjaggi, GitHub user (self-described: Company submitting an MCP agent connector app to the Microsoft Store), GitHub issue, OfficeDev/microsoft-365-agents-toolkit, published Oct 9, 2026
  27. OIA response on agencies' use of Microsoft CopilotTe Kawa Mataaho Public Service Commission, New Zealand (self-described: Official Information Act response covering MBIE's Copilot trial), Government OIA response, publicservice.govt.nz, published Oct 9, 2026
  28. Comment in r/Office365 on compiling reports with CopilotBowshocker, Reddit commenter working at a managed service provider (self-described: Managed service provider work for a vendor's tenant), Reddit comment, r/Office365, published Oct 9, 2026
  29. Comment in r/Office365 on managers summarizing with CopilotPisnaz, Reddit commenter (self-described: Workplace where managers pass technical communications through Copilot), Reddit comment, r/Office365, published Oct 8, 2026
  30. Comment in r/Office365 on rolling Copilot out before access cleanupIntrepid-Zucchini-91, Reddit commenter and Microsoft 365 admin (self-described: Organization that licensed everyone without cleaning up SharePoint access), Reddit comment, r/Office365, published Oct 8, 2026
  31. Comment in r/Office365 on Copilot, Work IQ and CoworkTheGuyThatDoesHisJob, Reddit commenter (self-described: Organization running Copilot agents in HR, accounts payable and IT), Reddit comment, r/Office365, published Oct 8, 2026
  32. X post on an Excel timesheets01181969, X user, self-described, X post, published Oct 7, 2026
  33. One of the most useful things that copilot could possibly do is create and edit Visio files, and yet it can't. : sysadminMan-e-questions, Reddit commenter (self-described: Sysadmin team documenting architecture with Visio), Reddit post, published Oct 6, 2026
  34. X post on trying CoworkJonathan D. Brown, X user (self-described: Microsoft 365 Copilot licence without Cowork credits), X post, published Sep 28, 2026
  35. Comment on: Microsoft abandons personal AI chatbot race with Copilot rebootmugenjin23, Hacker News commenter working in Australian local government (self-described: Australian state and local government organizations), Hacker News comment, published Sep 26, 2026
  36. X post on Copilot as a daily assistantSilverleafSolutions, founder of Silverleaf Solutions (self-described: Small consultancy), X post, published Sep 26, 2026
  37. Comment in r/Office365 on finding email with CopilotAA_25, Reddit commenter, self-described, Reddit comment, r/Office365, published Sep 25, 2026
  38. AI Action Plan for Justice: one year onUK Ministry of Justice (self-described: Targeted staff rollouts across the justice department), Government progress update, GOV.UK, published Sep 24, 2026
  39. Comment on: MiMo v2.6busssard, Hacker News commenter, self-described, Hacker News comment, published Sep 22, 2026
  40. X post on Copilot as a personal assistantjeffmania IIDX, X user (self-described: Employer encourages Copilot use), X post, published Sep 17, 2026
  41. Preparing a Microsoft 365 Tenant for Copilot in Late 2026Tony Redmond, Microsoft 365 for IT Pros author (Advice for Microsoft 365 tenants preparing Copilot deployments), Independent review, Microsoft 365 for IT Pros (office365itpros.com), published Sep 4, 2026
  42. The NHS Copilot 43 minutes a day claimOffice Watch, independent Microsoft Office newsletter (self-described: Review of the NHS pilot figures through an FOI release reported in Private Eye), Independent newsletter, office-watch.com, published Sep 2, 2026
  43. Comment on: How to Build a McKinsey-Style PowerPoint with AI: 8 Rules for Consulting Slidessnowwrestler, Hacker News commenter (self-described: Workplace testing Microsoft Copilot for PowerPoint), Hacker News comment, published Aug 26, 2026
  44. AI adoption and application activity in 11 companiesYulin Yu and four co-authors, Microsoft with a University of Arizona coauthor (self-described: 11 companies with at least 1,000 Copilot licences each), Research paper, arXiv, published Aug 16, 2026
  45. Claude M365 Connector vs Copilot: are we creating long-term technical debt? : sysadminDifferent_Coffee_161, IT administrator (self-described: IT administrator planning Claude integration with Microsoft 365), Reddit post, published Aug 6, 2026
  46. Comment on: Claude M365 Connector vs Copilot: are we creating long-term technical debt? : sysadminD1TAC, Reddit commenter (self-described: Uses Copilot in Microsoft apps with M365 Premium licensing), Reddit comment, published Aug 6, 2026
  47. Comment on: Claude M365 Connector vs Copilot: are we creating long-term technical debt? : sysadmindesispeed, Reddit commenter (self-described: Professional team that ditched 365 Copilot for Claude after six months), Reddit comment, published Aug 6, 2026
  48. HMRC transformation roadmap: progress update 2026HM Revenue & Customs (self-described: Department-wide Copilot rollout after the phase 3 trial), Government progress update, GOV.UK, published Jul 27, 2026
  49. Generative AI adoption at a state transportation agencyOmidreza Shoghli, UNC Charlotte, with an NCDOT coauthor (self-described: Eight-week pilot with about 175 NCDOT employees in 2025), Research paper, arXiv, published Jul 15, 2026
  50. Evaluation report: phase 3 trial of Microsoft CopilotHM Revenue & Customs (self-described: 3,000 randomly allocated licenses and 500 directly allocated, September to December 2024), Government evaluation report, GOV.UK, published Jul 9, 2026
  51. Comment on: Microsoft 365 Copilot adoption is under 4.5%, only 1% use it weeklywolvoleo, Hacker News commenter (self-described: Workplace testing an early release of Cowork), Hacker News comment, published Jul 7, 2026
  52. The Sadly Unfulfilled Promise of the Outlook Calendar AgentPaul Robichaux, Microsoft 365 for IT Pros author (self-described: Works with teams from California to Ukraine), Independent review, Microsoft 365 for IT Pros (office365itpros.com), published Jul 7, 2026
  53. Attorney-General's Dept backs Copilot Chat, Google NotebookLMAntony Spence, Assistant Secretary for IT support, engagement and innovation, Australian Attorney-General's Department (self-described: Department-wide Copilot Chat in the department's own tenancy, certified for data up to the protected level; talk at Google Cloud Summit Sydney), Trade press report, iTnews, published Jul 6, 2026
  54. Great news, CoWork for CoPilot has left beta...bad news, they are charging for it!!! : sysadminDramaticErraticism, Microsoft 365 admin at a large company (self-described: Large company on Microsoft 365 E5), Reddit post, published Jun 16, 2026
  55. NHS prescribes half a million Copilot licenses for its paperwork headacheCarly Page, reporter, The Register (self-described: NHS England's national rollout announcement), Trade press report, The Register, published Jun 8, 2026
  56. Comment on: Microsoft Copilot Cowork Exfiltrates FilesQuothling, Hacker News commenter (self-described: Company piloting Cowork and waiting for admin controls), Hacker News comment, published May 25, 2026
  57. Comment on: The last six months in LLMs in five minutesQuothling, Hacker News commenter (self-described: European energy-sector company), Hacker News comment, published May 19, 2026
  58. How M365 Copilot is used at workScott Counts and co-authors, Microsoft (self-described: Telemetry across companies using Microsoft 365 Copilot), Research paper, arXiv, published May 11, 2026
  59. Comment on: Google's new gradient icons for Gmail, Calendar, Drive, and other apps827a, Hacker News commenter (self-described: Fortune 50 company deployment), Hacker News comment, published Apr 26, 2026
  60. Comment on: ChatGPT for Excelrdedev, Hacker News commenter (self-described: Multinational pharma company), Hacker News comment, published Apr 16, 2026
  61. Comment on: Stanford report highlights growing disconnect between AI insiders and everyoneRajT88, Hacker News commenter, self-described, Hacker News comment, published Apr 13, 2026
  62. Comment on: What Is Copilot Exactly?HeyLaughingBoy, Hacker News commenter (self-described: Office worker using Copilot because it is approved and Claude is blocked), Hacker News comment, published Apr 1, 2026
  63. Comment on: Microsoft Set for Worst Quarter Since 2008browningstreet, Hacker News commenter (self-described: Microsoft 365 E5 organization), Hacker News comment, published Mar 29, 2026
  64. Comment on: "Microslop" filtered in the official Microsoft Copilot Discord serverwolvoleo, Hacker News commenter (self-described: Office where Copilot is the only AI approved by IT), Hacker News comment, published Mar 4, 2026
  65. Acceptance of Microsoft 365 Copilot in a research organizationCarsten F. Schmidt and four co-authors, Fraunhofer (self-described: 550 licensed employees from May 2024, repeated survey), Research paper, arXiv, published Feb 20, 2026
  66. Code Error Allowed Copilot Chat to Expose Confidential InformationTony Redmond, Microsoft 365 for IT Pros author (Own tenant with a DLP policy for Copilot blocking the Confidential label), Independent review, Microsoft 365 for IT Pros (office365itpros.com), published Feb 13, 2026
  67. Comment on: Claude Opus 4.6sandos, Hacker News commenter (self-described: Global conglomerate, 1,500+ Copilot users), Hacker News comment, published Feb 6, 2026
  68. Comment on: Microsoft's Copilot chatbot is running into problemsheisenzombie, Hacker News commenter (self-described: Uses Copilot on a work computer and email inbox), Hacker News comment, published Feb 4, 2026
  69. Comment on: Two kinds of AI users are emergingHavoc, Hacker News commenter (self-described: Uses Copilot in Excel at work), Hacker News comment, published Feb 2, 2026
  70. Comment on: Claude Code is suddenly everywhere inside Microsoft3acctforcom, Hacker News commenter who manages reporting, analytics, and coding teams (self-described: Reporting, analytics, and coding teams awaiting enterprise Copilot approval), Hacker News comment, published Feb 2, 2026
  71. An Evaluation of DWP's Microsoft Copilot 365 TrialUK Department for Work and Pensions (self-described: 3,549 licensed staff, October 2024 to March 2025), Government evaluation report, GOV.UK, published Jan 29, 2026
  72. Comment on: Ask HN: What did you find out or explore today?magnetometer, Hacker News commenter (self-described: Company slowly adopting AI with Databricks and a local Streamlit app), Hacker News comment, published Jan 15, 2026
  73. Comment on: Microsoft Office renamed to "Microsoft 365 Copilot app"rich_sasha, Hacker News commenter (self-described: Uses Copilot at work for Word, email, and internal webpages), Hacker News comment, published Jan 5, 2026
  74. Comment on: Microsoft Scales Back AI Goals Because Almost Nobody Is Using Copilot_n66o, Hacker News commenter (self-described: Organization blocks ChatGPT and uses Copilot at work with Excel and SharePoint), Hacker News comment, published Dec 11, 2025
  75. Comment on: Microsoft has a problem: lack of demand for its AI productsSanzig, Hacker News commenter (self-described: Uses Copilot at work for report editing), Hacker News comment, published Dec 8, 2025
  76. Comment on: Microsoft drops AI sales targets in half after salespeople miss their quotasjabroni_salad, Hacker News commenter (self-described: Workplace using Copilot for Teams and SharePoint; clients use it for meeting minutes), Hacker News comment, published Dec 4, 2025
  77. Comment on: Microsoft lowers AI software growth targetspbronez, Hacker News commenter (self-described: Enterprise on Government Community Cloud (GCC)), Hacker News comment, published Dec 3, 2025
  78. Comment on: Microsoft confirms Windows 11 is about to changethewebguyd, Hacker News commenter (self-described: Workplace where Microsoft 365 Copilot is popular among office workers), Hacker News comment, published Nov 13, 2025
  79. Shifting Work Patterns with Generative AIEleanor Wiske Dillon and three co-authors, Microsoft Research and Harvard Business School (self-described: Randomized field experiment across 66 firms and 7,137 knowledge workers), Research paper, arXiv, published Nov 13, 2025
  80. Comment on: Microsoft's lack of quality control is out of controljen20, Hacker News commenter (self-described: Office worker using Microsoft Office and Slack), Hacker News comment, published Nov 10, 2025
  81. Major NHS AI trial delivers unprecedented time and cost savingsUK Department of Health and Social Care and NHS England (self-described: Pilot with more than 30,000 NHS workers across 90 NHS organizations), Government press release, GOV.UK, published Oct 21, 2025
  82. Comment on: Microsoft lets bosses spot teams that are dodging Copilotrawgabbit, Hacker News commenter (self-described: Company with both ChatGPT Enterprise and Microsoft Copilot), Hacker News comment, published Oct 10, 2025
  83. Comment on: Microsoft lets bosses spot teams that are dodging Copilotnosianu, Microsoft 365 global admin (self-described) (self-described: Small business of about 50 people), Hacker News comment, published Oct 10, 2025
  84. Comment on: Microsoft 365 Copilot's commercial failurea_bonobo, Hacker News commenter (self-described: Non-tech company, gradual Microsoft 365 Copilot rollout), Hacker News comment, published Oct 5, 2025
  85. Comment on: Microsoft 365 Copilot's commercial failurew0m, Hacker News commenter (self-described: Company using Copilot with Teams, SharePoint, Outlook, and an engineering wiki), Hacker News comment, published Oct 5, 2025
  86. Comment on: Microsoft 365 Copilot's commercial failurep_ing, Hacker News commenter (self-described: Company using Copilot Studio with SharePoint, Teams, and business data connectors), Hacker News comment, published Oct 5, 2025
  87. Comment on: Microsoft 365 Copilot's commercial failurealirath, Hacker News commenter (self-described: Workplace using Copilot connected to SharePoint for nontechnical coworkers), Hacker News comment, published Oct 5, 2025
  88. Comment on: Microsoft 365 Copilot's commercial failurejukkan, Hacker News commenter (self-described: Power Platform advisor and former Microsoft MVP), Hacker News comment, published Oct 5, 2025
  89. Comment on: Microsoft 365 Copilot's commercial failurewkat4242, Hacker News commenter who manages Microsoft 365 at a large company (self-described: Microsoft 365 manager at a large company), Hacker News comment, published Oct 5, 2025
  90. Copilot Studio Agent - Poor Results with CSV Knowledge Source (Summarization & Categorization)ashokganjireddy, GitHub user (self-described: Copilot Studio agent over a 40 MB Jira export), GitHub issue, microsoft/copilot-camp, published Sep 19, 2025
  91. Office application Copilot inconsistency on disabling it per app, am I the only one dealing with this insanity? : sysadmincowprince, IT administrator (self-described: Microsoft 365 E5 with Copilot licenses), Reddit post, published Sep 9, 2025
  92. Comment on: AI adoption linked to 13% decline in jobs for young U.S. workers: studyHavoc, Hacker News commenter (self-described: Accounting work), Hacker News comment, published Aug 29, 2025
  93. Microsoft 365 Copilot pilot: DBT evaluation reportUK Department for Business and Trade, Digital Data and Technology Monitoring and Evaluation team (self-described: 1,000 licenses, three-month pilot, October to December 2024), Government evaluation report, GOV.UK, published Aug 28, 2025
  94. OHIO conducts pilot program assessing artificial intelligence tool - Microsoft 365 CopilotOhio University Office of Information Technology (self-described: Yearlong pilot of the Copilot add-on license with about 130 staff across the university, ended May 30, 2025), University news report, ohio.edu, published Aug 28, 2025
  95. Copilot Broke Your Audit Log, but Microsoft Won't Tell YouZack Korman, Pistachio (self-described: Security company testing Microsoft 365 Copilot and reporting the flaw through Microsoft's MSRC portal), Company blog post, Pistachio, published Aug 19, 2025
  96. Comment on: 95% of generative AI pilots at companies are failing - MIT reportthewebguyd, Hacker News commenter (self-described: Organization using M365 Copilot for email, Teams, and SharePoint search), Hacker News comment, published Aug 18, 2025
  97. Comment on: How We Rooted Copilotwkat4242, Hacker News commenter who helps manage Microsoft 365 at a large company (self-described: Large company with mandatory document classification), Hacker News comment, published Jul 26, 2025
  98. AgentFlayer: When AIjacking Leads to Full Data Exfiltration in Copilot StudioTamir Ishay Sharbat, Zenity Labs (self-described: Security researchers attacking a replica of a Copilot Studio customer service agent from a Microsoft example), Security research post, Zenity Labs, published Jul 7, 2025
  99. Comment on: Ask HN: Is your company forcing use of AI?c12, Hacker News commenter (self-described: Employee whose work provides Microsoft and GitHub Copilot), Hacker News comment, published Jul 1, 2025
  100. Comment on: Microsoft is struggling to sell Copilot to corporations - employees want ChatGPTCharlesW, Hacker News commenter (self-described: IT prevention department working on Office Copilot Studio), Hacker News comment, published Jun 26, 2025
  101. Comment on: ChatGPT's enterprise success against Copilot fuels OpenAI/Microsoft rivalrynapoleongl, Hacker News commenter, self-described, Hacker News comment, published Jun 24, 2025
  102. Comment on: Microsoft... Pre-Enterprise Rollout of Copilot: How Are You Mitigating oversharing links? : sysadminEquivalentPace7357, Reddit commenter in IT administration (self-described: IT administration team auditing tenant-wide links with PowerShell and Graph API), Reddit comment, published Jun 22, 2025
  103. Comment on: The endless bullshit of copilot : microsoft365Puzzleheaded_Mark_20, Reddit commenter (self-described: Company employee using Copilot for proposals, presentations, and meeting minutes), Reddit comment, published Jun 19, 2025
  104. Microsoft... Pre-Enterprise Rollout of Copilot: How Are You Mitigating oversharing links? : sysadminNew-Present-9862, IT team planning an enterprise Copilot rollout (self-described: IT team planning an enterprise Copilot deployment), Reddit post, published Jun 19, 2025
  105. Comment on: Microsoft... Pre-Enterprise Rollout of Copilot: How Are You Mitigating oversharing links? : sysadminAdziboy, Reddit commenter in IT administration (self-described: IT administration team using Purview and DLP for cloud data), Reddit comment, published Jun 19, 2025
  106. The endless bullshit of copilot : microsoft365oscubed, Reddit commenter, self-described, Reddit post, published Jun 18, 2025
  107. Breaking down 'EchoLeak', the First Zero-Click AI Vulnerability Enabling Data Exfiltration from Microsoft 365 CopilotSimon Willison, independent developer (self-described: Analysis of Aim Labs' CVE-2025-32711 report against Microsoft 365 Copilot), Personal blog post, simonwillison.net, published Jun 11, 2025
  108. Comment on: OpenAI slams court order to save all ChatGPT logs, including deleted chatscelnardur, Hacker News commenter (self-described: Embedded systems engineer at DMC), Hacker News comment, published Jun 5, 2025
  109. Microsoft 365 Copilot Experiment: Cross-Government Findings ReportUK Government Digital Service (self-described: 20,000 civil servants in 12 organizations, September 30 to December 31, 2024), Government evaluation report, GOV.UK, published Jun 2, 2025
  110. Comment on: OpenAI reaches agreement to buy Windsurf for US$3Bbongodongobob, Hacker News commenter in IT support (self-described: IT help desk handling Copilot requests), Hacker News comment, published May 7, 2025
  111. Early Impacts of M365 CopilotSonia Jaffe, with Eleanor Wiske Dillon, Sida Peng and Alexia Cambon, Microsoft (self-described: Randomized experiment with over 6,000 workers at 56 firms), Research paper, arXiv, published Apr 15, 2025
  112. Virginia Tech pilot for Microsoft Copilot, outcome reportVirginia Tech, AI at Virginia Tech (self-described: 177 volunteer faculty and staff, 38 workdays, January to March 2025), University pilot report, vt.edu, published Apr 7, 2025
  113. A Qualitative Study of User Perception of M365 AI CopilotMuneera Bano, Principal Research Scientist and Science Team Lead, CSIRO, with six co-authors (Six-month Microsoft 365 Copilot trial inside CSIRO in 2024, with interviews of 27 participants), Research paper, arXiv, published Mar 22, 2025
  114. Comment on: GPT 4.5 level for 1% of the priceezst, Hacker News commenter (self-described: Organization-wide Office Copilot rollout), Hacker News comment, published Mar 16, 2025
  115. Evaluation of a trial of generative AI (Copilot) in The TreasuryAustralian Treasury, internal evaluation of its Copilot trial (self-described: Treasury staff in the Australian Government trial of Microsoft 365 Copilot coordinated by the Digital Transformation Agency), Government evaluation report, evaluation.treasury.gov.au, published Feb 5, 2025
  116. Comment on: The Microsoft 365 Copilot launch was a disasterVegenoid, Hacker News commenter who evaluated Microsoft licensing for an employer (self-described: Company moving from on-premises Office to Microsoft 365), Hacker News comment, published Jan 27, 2025
  117. Comment on: The Microsoft 365 Copilot launch was a disastereinpoklum, Hacker News commenter (self-described: Uses Copilot on a Windows laptop at work), Hacker News comment, published Jan 26, 2025
  118. Comment on: Anyone using Copilot for M365? What gains does it bring you? : sysadminperthguppy, Reddit commenter (self-described: Uses Copilot at work for Teams meetings and chats), Reddit comment, published Jan 17, 2025
  119. Comment on: Anyone using Copilot for M365? What gains does it bring you? : sysadminIntelligent-Magician, Reddit commenter, self-described, Reddit comment, published Jan 17, 2025
  120. Comment on: Anyone using Copilot for M365? What gains does it bring you? : sysadmin_Tomin_, Reddit commenter (self-described: Sales team), Reddit comment, published Jan 17, 2025
  121. Comment on: Anyone using Copilot for M365? What gains does it bring you? : sysadminForumrider4life, Reddit commenter in IT administration (self-described: IT administration team using Copilot with Purview compliance tracking), Reddit comment, published Jan 17, 2025
  122. Comment on: Anyone using Copilot for M365? What gains does it bring you? : sysadminSquirrelOfDestiny, Reddit commenter (self-described: Corporate office worker using Word and PowerPoint), Reddit comment, published Jan 17, 2025
  123. Comment on: Anyone using Copilot for M365? What gains does it bring you? : sysadminplumbumplumbumbum, Reddit commenter, self-described, Reddit comment, published Jan 17, 2025
  124. Experts raise privacy concerns about Microsoft 365's CopilotDzemal Sukurica, AI Lead for Microsoft Copilot, Eindhoven University of Technology (TU/e) (Fifty TU/e employees in a Copilot pilot coordinated by SURF with twenty other Dutch institutions, from May 2024), University news article, Cursor (tue.nl), published Jan 6, 2025

Jan 2025 to Oct 2026.

108 sources from practitioners, by month and sentiment.

The full readExplore all Microsoft Copilot Signals5 praise themes, 7 concerns, 5 points of agreement and 3 disagreements across all three groups, with all 124 sources open to inspect.

Where It Fits

Where does Microsoft Copilot belong in the stack?

Open Where It Fits: the Stack Field and the full map

Microsoft Copilot is Core across Assist and Find and supports Create, Analyze, and Automate.

Business area
Company-wide
Function
Knowledge Work
Operating stack
AI Knowledge Work
Primary role
Microsoft 365 AI Assistant & Work Search
Microsoft Copilot beside the rest of its stackThe Stack Field, every product on every layer
FootprintMicrosoft Copilot across the AI Knowledge Work stack. Bar height is its role on each layer.

  1. Assist

    1. AI assistant: Core

      AI assistant, core. Copilot Chat is included with eligible Microsoft 365 subscriptions for Entra users. The Copilot app on web, desktop, and mobile offers model choice, including Anthropic and OpenAI models, under Microsoft's enterprise data protection.

  2. Find

    1. Web research: Supports

      Web research, supports. Copilot Chat uses web grounding by default. The Researcher agent writes multi-source reports for licensed users. A dedicated answer engine still owns quick cited research for people who work mostly outside Microsoft 365.

    2. Enterprise search: Core

      Enterprise search, core. With a Microsoft Copilot license, answers draw on Microsoft Graph, Work IQ, and semantic indexing across the email, files, sites, meetings, and chats a user can open. More than 100 Copilot connectors add line-of-business data, always within existing Microsoft 365 permissions.

  3. Create

    1. Documents: Supports

      Documents, supports. Copilot drafts and rewrites in Word, Outlook, and PowerPoint. Copilot Notebooks gather a project's files and notes. Documents, templates, and sites remain in Word, SharePoint, and OneDrive.

    2. Meeting notes: Supports

      Meeting notes, supports. Copilot in Teams summarizes and transcribes meetings and answers licensed participants' questions during them, and the Facilitator agent keeps shared notes, all inside Teams meetings. Meetings on Zoom, Meet, or in person need a dedicated meeting-notes tool.

  4. Analyze

    1. Data analysis: Supports

      Data analysis, supports. Copilot in Excel analyzes data and creates formulas and visuals. The Analyst agent handles multi-step analysis with the paid license. Governed reporting on warehouse data stays with an analytics tool.

  5. Automate

    1. Automation: Supports

      Automation, supports. Agent Builder and Copilot Studio build agents grounded in work data. Copilot Cowork carries out approved multi-step tasks across Outlook, Teams, and files on metered usage. Process automation across many non-Microsoft apps stays with Power Automate or a platform such as Zapier.

Market mapThe layers Microsoft Copilot covers, and who else owns each one.

  1. General AI assistant

    CoreAssist

  2. Enterprise search & company knowledge

    CoreFind

  3. Web research & cited answers

    SupportsFind

  4. Writing & documents

    SupportsCreate

  5. Meeting capture & notes

    SupportsCreate

2 more layers on the full map. Core, Supports and Touches describe coverage. They say nothing about quality.

What your subscription unlocks

What does signing in with a Microsoft Copilot plan give you that a Microsoft API key does not?

IncludedNot on this tierOpens the vendor's own words33 claims from 16 Microsoft pages

Which tier gets what

CapabilityPersonal (Microsoft 365 Personal)$9.99 a monthFamily (Microsoft 365 Family)$12.99 a monthCopilot Business (add-on) (Microsoft 365 Copilot Business (add-on))$18 a user a monthPremium (Microsoft 365 Premium)$19.99 a monthBusiness Standard with Copilot (Microsoft 365 Business Standard with Copilot)$23.50 a user a monthCopilot (add-on) (Microsoft 365 Copilot (add-on))$30 a user a monthBusiness Premium with Copilot (Microsoft 365 Business Premium with Copilot)$32 a user a monthPro (Microsoft 365 Pro)$99.99 a month
Deep research
Think Deeper1Think DeeperThink Deeper uses OpenAI reasoning models for fuller answers, and subscribers get priority when capacity is short.LimitUp to 10 seconds a response; no usage capTiersMicrosoft 365 Personal, Microsoft 365 Family, Microsoft 365 Premium, Microsoft 365 ProThink Deeper: Takes up to 10 seconds to provide a more thoughtful response.Think Deeper is powered by the latest reasoning models from OpenAI.Use of Think Deeper in Copilot is not limited, but Microsoft 365 Personal, Family, and Premium users have priority access whenever capacity is limited.Microsoft Support: Conversation modes in Microsoft Copilot2Think DeeperThink Deeper uses OpenAI reasoning models for fuller answers, and subscribers get priority when capacity is short.LimitUp to 10 seconds a response; no usage capTiersMicrosoft 365 Personal, Microsoft 365 Family, Microsoft 365 Premium, Microsoft 365 ProDeep reasoning Extensive usage Extensive usage Extensive usage Extensive usageMicrosoft Support: How AI usage works across Microsoft 365 subscriptions for individualsUp to 10 seconds a response; no usage capMicrosoft 365 Personal: includedMicrosoft 365 Family: includedMicrosoft 365 Copilot Business (add-on): not includedMicrosoft 365 Premium: includedMicrosoft 365 Business Standard with Copilot: not includedMicrosoft 365 Copilot (add-on): not includedMicrosoft 365 Business Premium with Copilot: not includedMicrosoft 365 Pro: included
Researcher agent2Researcher agentResearcher is a reasoning agent built for multi-step research questions.LimitExtensive usage on Premium and Pro; not in Personal or FamilyTiersMicrosoft 365 Copilot Business (add-on), Microsoft 365 Premium, Microsoft 365 Business Standard with Copilot, Microsoft 365 Copilot (add-on), Microsoft 365 Business Premium with Copilot, Microsoft 365 ProResearcher Not available Not available Extensive usage Extensive usageMicrosoft Support: How AI usage works across Microsoft 365 subscriptions for individuals3Researcher agentResearcher is a reasoning agent built for multi-step research questions.LimitExtensive usage on Premium and Pro; not in Personal or FamilyTiersMicrosoft 365 Copilot Business (add-on), Microsoft 365 Premium, Microsoft 365 Business Standard with Copilot, Microsoft 365 Copilot (add-on), Microsoft 365 Business Premium with Copilot, Microsoft 365 ProAccess to Researcher and Analystpowerful reasoning agentsMicrosoft: Meet Microsoft 365 Premium: Your AI and productivity powerhouse4Researcher agentResearcher is a reasoning agent built for multi-step research questions.LimitExtensive usage on Premium and Pro; not in Personal or FamilyTiersMicrosoft 365 Copilot Business (add-on), Microsoft 365 Premium, Microsoft 365 Business Standard with Copilot, Microsoft 365 Copilot (add-on), Microsoft 365 Business Premium with Copilot, Microsoft 365 ProPre-built Microsoft agents, including Researcher, Analyst, and FacilitatorMicrosoft: Microsoft Copilot Plans and Pricing, AI for Business5Researcher agentResearcher is a reasoning agent built for multi-step research questions.LimitExtensive usage on Premium and Pro; not in Personal or FamilyTiersMicrosoft 365 Copilot Business (add-on), Microsoft 365 Premium, Microsoft 365 Business Standard with Copilot, Microsoft 365 Copilot (add-on), Microsoft 365 Business Premium with Copilot, Microsoft 365 ProPre-built Microsoft agents, including Researcher, Analyst, and FacilitatorMicrosoft: Microsoft Copilot Plans and PricingExtensive usage on Premium and Pro; not in Personal or FamilyMicrosoft 365 Personal: not includedMicrosoft 365 Family: not includedMicrosoft 365 Copilot Business (add-on): includedMicrosoft 365 Premium: includedMicrosoft 365 Business Standard with Copilot: includedMicrosoft 365 Copilot (add-on): includedMicrosoft 365 Business Premium with Copilot: includedMicrosoft 365 Pro: included
Agents and browsers
Copilot Vision2Copilot VisionDuring a voice chat you share your screen or phone camera and ask about it; Copilot points at things and never clicks or types.LimitStandard on Personal and Family, more on Premium, highest on ProTiersMicrosoft 365 Personal, Microsoft 365 Family, Microsoft 365 Copilot Business (add-on), Microsoft 365 Premium, Microsoft 365 Business Standard with Copilot, Microsoft 365 Copilot (add-on), Microsoft 365 Business Premium with Copilot, Microsoft 365 ProVision Standard usage Standard usage More usage Highest usageMicrosoft Support: How AI usage works across Microsoft 365 subscriptions for individuals6Copilot VisionDuring a voice chat you share your screen or phone camera and ask about it; Copilot points at things and never clicks or types.LimitStandard on Personal and Family, more on Premium, highest on ProTiersMicrosoft 365 Personal, Microsoft 365 Family, Microsoft 365 Copilot Business (add-on), Microsoft 365 Premium, Microsoft 365 Business Standard with Copilot, Microsoft 365 Copilot (add-on), Microsoft 365 Business Premium with Copilot, Microsoft 365 ProVision in Microsoft Copilot lets you share your desktop screen or your mobile device's camera and ask Copilot about what you're sharing.Vision is available with a Microsoft Copilot license and a work account, or with a Microsoft 365 Personal, Family, or Premium subscription and a personal Microsoft account.Copilot might highlight parts of the screen, but it won't click, type, or scroll.Microsoft Support: Get started with vision capabilities in Microsoft CopilotStandard on Personal and Family, more on Premium, highest on ProMicrosoft 365 Personal: includedMicrosoft 365 Family: includedMicrosoft 365 Copilot Business (add-on): includedMicrosoft 365 Premium: includedMicrosoft 365 Business Standard with Copilot: includedMicrosoft 365 Copilot (add-on): includedMicrosoft 365 Business Premium with Copilot: includedMicrosoft 365 Pro: included
Copilot Cowork2Copilot CoworkCowork is in preview for Premium and Pro and runs on metered billing for business plans.LimitLimited usage on Premium, highest on Pro; US and Canada onlyTiersMicrosoft 365 Copilot Business (add-on), Microsoft 365 Premium, Microsoft 365 Business Standard with Copilot, Microsoft 365 Business Premium with Copilot, Microsoft 365 ProCowork (in preview)* Not available Not available Limited usage Highest usage*Currently only available in the US and Canada.Microsoft Support: How AI usage works across Microsoft 365 subscriptions for individuals4Copilot CoworkCowork is in preview for Premium and Pro and runs on metered billing for business plans.LimitLimited usage on Premium, highest on Pro; US and Canada onlyTiersMicrosoft 365 Copilot Business (add-on), Microsoft 365 Premium, Microsoft 365 Business Standard with Copilot, Microsoft 365 Business Premium with Copilot, Microsoft 365 ProAccess to Cowork, Autopilot, and advanced AI experiences in apps like SharePointMicrosoft: Microsoft Copilot Plans and Pricing, AI for BusinessLimited usage on Premium, highest on Pro; US and Canada onlyMicrosoft 365 Personal: not includedMicrosoft 365 Family: not includedMicrosoft 365 Copilot Business (add-on): includedMicrosoft 365 Premium: includedMicrosoft 365 Business Standard with Copilot: includedMicrosoft 365 Copilot (add-on): not includedMicrosoft 365 Business Premium with Copilot: includedMicrosoft 365 Pro: included
Apps and connectors
Work IQ grounding4Work IQ groundingWork IQ grounds Copilot in your Microsoft 365 content and the line-of-business data that Copilot connectors bring in.TiersMicrosoft 365 Copilot Business (add-on), Microsoft 365 Business Standard with Copilot, Microsoft 365 Copilot (add-on), Microsoft 365 Business Premium with CopilotWhen you purchase a Microsoft 365 plan with Copilot, or add a Microsoft 365 Copilot license to an existing subscription, you unlock additional capabilities, including Work IQWork IQ includes data from multiple sources: Microsoft 365 content and metadata; line of business data ingested through Copilot connectorsMicrosoft: Microsoft Copilot Plans and Pricing, AI for BusinessMicrosoft 365 Personal: not includedMicrosoft 365 Family: not includedMicrosoft 365 Copilot Business (add-on): includedMicrosoft 365 Premium: not includedMicrosoft 365 Business Standard with Copilot: includedMicrosoft 365 Copilot (add-on): includedMicrosoft 365 Business Premium with Copilot: includedMicrosoft 365 Pro: not included
Documents and work apps
Copilot Pages2Copilot PagesPages turns chat output into a shared page a team edits and tracks together.TiersMicrosoft 365 Personal, Microsoft 365 Family, Microsoft 365 Copilot Business (add-on), Microsoft 365 Premium, Microsoft 365 Business Standard with Copilot, Microsoft 365 Business Premium with Copilot, Microsoft 365 ProPages Extensive usage Extensive usage Extensive usage Extensive usageMicrosoft Support: How AI usage works across Microsoft 365 subscriptions for individuals4Copilot PagesPages turns chat output into a shared page a team edits and tracks together.TiersMicrosoft 365 Personal, Microsoft 365 Family, Microsoft 365 Copilot Business (add-on), Microsoft 365 Premium, Microsoft 365 Business Standard with Copilot, Microsoft 365 Business Premium with Copilot, Microsoft 365 ProCopilot Pages: Organizes and shares content for easy collaboration and project tracking.Microsoft: Microsoft Copilot Plans and Pricing, AI for BusinessMicrosoft 365 Personal: includedMicrosoft 365 Family: includedMicrosoft 365 Copilot Business (add-on): includedMicrosoft 365 Premium: includedMicrosoft 365 Business Standard with Copilot: includedMicrosoft 365 Copilot (add-on): not includedMicrosoft 365 Business Premium with Copilot: includedMicrosoft 365 Pro: included
Analyst agent2Analyst agentAnalyst is a reasoning agent that works through data analysis for you.LimitExtensive usage on Premium and Pro; not in Personal or FamilyTiersMicrosoft 365 Copilot Business (add-on), Microsoft 365 Premium, Microsoft 365 Business Standard with Copilot, Microsoft 365 Copilot (add-on), Microsoft 365 Business Premium with Copilot, Microsoft 365 ProAnalyst Not available Not available Extensive usage Extensive usageMicrosoft Support: How AI usage works across Microsoft 365 subscriptions for individuals7Analyst agentAnalyst is a reasoning agent that works through data analysis for you.LimitExtensive usage on Premium and Pro; not in Personal or FamilyTiersMicrosoft 365 Copilot Business (add-on), Microsoft 365 Premium, Microsoft 365 Business Standard with Copilot, Microsoft 365 Copilot (add-on), Microsoft 365 Business Premium with Copilot, Microsoft 365 ProIncluded access to agents based on your work data and to reasoning agents like Researcher and AnalystMicrosoft Support: What's the difference between Microsoft Copilot (free) and Copilot in Microsoft 365Extensive usage on Premium and Pro; not in Personal or FamilyMicrosoft 365 Personal: not includedMicrosoft 365 Family: not includedMicrosoft 365 Copilot Business (add-on): includedMicrosoft 365 Premium: includedMicrosoft 365 Business Standard with Copilot: includedMicrosoft 365 Copilot (add-on): includedMicrosoft 365 Business Premium with Copilot: includedMicrosoft 365 Pro: included
Copilot in Teams4Copilot in TeamsBusiness Copilot licenses summarize and recap Teams meetings and chats; a Teams license is required.TiersMicrosoft 365 Copilot Business (add-on), Microsoft 365 Business Standard with Copilot, Microsoft 365 Copilot (add-on), Microsoft 365 Business Premium with CopilotChat, call, and catch up with Copilot in Microsoft TeamsMicrosoft: Microsoft Copilot Plans and Pricing, AI for Business5Copilot in TeamsBusiness Copilot licenses summarize and recap Teams meetings and chats; a Teams license is required.TiersMicrosoft 365 Copilot Business (add-on), Microsoft 365 Business Standard with Copilot, Microsoft 365 Copilot (add-on), Microsoft 365 Business Premium with Copilot[3] Microsoft Teams license required.Microsoft: Microsoft Copilot Plans and Pricing7Copilot in TeamsBusiness Copilot licenses summarize and recap Teams meetings and chats; a Teams license is required.TiersMicrosoft 365 Copilot Business (add-on), Microsoft 365 Business Standard with Copilot, Microsoft 365 Copilot (add-on), Microsoft 365 Business Premium with CopilotMeeting summaries and recaps in Microsoft Teams (if available)Microsoft Support: What's the difference between Microsoft Copilot (free) and Copilot in Microsoft 365Microsoft 365 Personal: not includedMicrosoft 365 Family: not includedMicrosoft 365 Copilot Business (add-on): includedMicrosoft 365 Premium: not includedMicrosoft 365 Business Standard with Copilot: includedMicrosoft 365 Copilot (add-on): includedMicrosoft 365 Business Premium with Copilot: includedMicrosoft 365 Pro: not included
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Copilot in Office apps4Copilot in Office appsCopilot works inside the Word, Excel, PowerPoint, Outlook and OneNote desktop apps; Excel needs the file saved to OneDrive.TiersMicrosoft 365 Personal, Microsoft 365 Family, Microsoft 365 Copilot Business (add-on), Microsoft 365 Premium, Microsoft 365 Business Standard with Copilot, Microsoft 365 Copilot (add-on), Microsoft 365 Business Premium with Copilot, Microsoft 365 ProMicrosoft Copilot in apps such as Word, Excel, PowerPoint, Outlook, and Microsoft TeamsMicrosoft: Microsoft Copilot Plans and Pricing, AI for Business5Copilot in Office appsCopilot works inside the Word, Excel, PowerPoint, Outlook and OneNote desktop apps; Excel needs the file saved to OneDrive.TiersMicrosoft 365 Personal, Microsoft 365 Family, Microsoft 365 Copilot Business (add-on), Microsoft 365 Premium, Microsoft 365 Business Standard with Copilot, Microsoft 365 Copilot (add-on), Microsoft 365 Business Premium with Copilot, Microsoft 365 ProAccess Copilot in apps such as Word, Excel, PowerPoint, Outlook, and Microsoft TeamsMicrosoft: Microsoft Copilot Plans and Pricing7Copilot in Office appsCopilot works inside the Word, Excel, PowerPoint, Outlook and OneNote desktop apps; Excel needs the file saved to OneDrive.TiersMicrosoft 365 Personal, Microsoft 365 Family, Microsoft 365 Copilot Business (add-on), Microsoft 365 Premium, Microsoft 365 Business Standard with Copilot, Microsoft 365 Copilot (add-on), Microsoft 365 Business Premium with Copilot, Microsoft 365 ProSubscription owners of Microsoft 365 Personal, Family, or Premium have access to Copilot in the Microsoft 365 desktop apps like Word, Excel, PowerPoint, Outlook, and OneNote.Microsoft Support: What's the difference between Microsoft Copilot (free) and Copilot in Microsoft 3658Copilot in Office appsCopilot works inside the Word, Excel, PowerPoint, Outlook and OneNote desktop apps; Excel needs the file saved to OneDrive.TiersMicrosoft 365 Personal, Microsoft 365 Family, Microsoft 365 Copilot Business (add-on), Microsoft 365 Premium, Microsoft 365 Business Standard with Copilot, Microsoft 365 Copilot (add-on), Microsoft 365 Business Premium with Copilot, Microsoft 365 ProEverything in Microsoft 365 Premium, plus: 5 TB of shared, secure cloud storageMicrosoft: Copilot Pricing Plans for Individuals9Copilot in Office appsCopilot works inside the Word, Excel, PowerPoint, Outlook and OneNote desktop apps; Excel needs the file saved to OneDrive.TiersMicrosoft 365 Personal, Microsoft 365 Family, Microsoft 365 Copilot Business (add-on), Microsoft 365 Premium, Microsoft 365 Business Standard with Copilot, Microsoft 365 Copilot (add-on), Microsoft 365 Business Premium with Copilot, Microsoft 365 ProCopilot in Excel available to subscription owner and requires AutoSave to be enabled, meaning the file must be saved to OneDriveMicrosoft: Compare Microsoft 365 Plans & Pricing (Formerly Office 365)Microsoft 365 Personal: includedMicrosoft 365 Family: includedMicrosoft 365 Copilot Business (add-on): includedMicrosoft 365 Premium: includedMicrosoft 365 Business Standard with Copilot: includedMicrosoft 365 Copilot (add-on): includedMicrosoft 365 Business Premium with Copilot: includedMicrosoft 365 Pro: included
Video
Clipchamp video editor4Clipchamp video editorThe business suites with Copilot bundle Clipchamp for editing video.TiersMicrosoft 365 Business Standard with Copilot, Microsoft 365 Business Premium with Copilot10+ additional apps for your business needs (including Microsoft Loop, Clipchamp, Bookings, Planner, and Forms)Microsoft Clipchamp: Create and edit professional-looking videos with easy-to-use tools.Microsoft: Microsoft Copilot Plans and Pricing, AI for BusinessMicrosoft 365 Personal: not includedMicrosoft 365 Family: not includedMicrosoft 365 Copilot Business (add-on): not includedMicrosoft 365 Premium: not includedMicrosoft 365 Business Standard with Copilot: includedMicrosoft 365 Copilot (add-on): not includedMicrosoft 365 Business Premium with Copilot: includedMicrosoft 365 Pro: not included
Images
Images with Designer2Images with DesignerCopilot and Designer make images from a prompt, including from the Copilot pane in Word and PowerPoint.LimitStandard on Personal and Family, extensive on Premium and ProTiersMicrosoft 365 Personal, Microsoft 365 Family, Microsoft 365 Premium, Microsoft 365 ProImage gen Standard usage Standard usage Extensive usage Extensive usageMicrosoft Support: How AI usage works across Microsoft 365 subscriptions for individuals10Images with DesignerCopilot and Designer make images from a prompt, including from the Copilot pane in Word and PowerPoint.LimitStandard on Personal and Family, extensive on Premium and ProTiersMicrosoft 365 Personal, Microsoft 365 Family, Microsoft 365 Premium, Microsoft 365 Prothe ability to generate an image with Designer directly from your Word or PowerPoint canvases from the Copilot chat panelsMicrosoft Support: Frequently asked questions about Copilot in Microsoft 365 subscriptionsStandard on Personal and Family, extensive on Premium and ProMicrosoft 365 Personal: includedMicrosoft 365 Family: includedMicrosoft 365 Copilot Business (add-on): not includedMicrosoft 365 Premium: includedMicrosoft 365 Business Standard with Copilot: not includedMicrosoft 365 Copilot (add-on): not includedMicrosoft 365 Business Premium with Copilot: not includedMicrosoft 365 Pro: included
Voice and audio
Copilot Voice2Copilot VoiceCopilot Voice holds a real-time spoken conversation, and its cap rises with each individual plan.LimitStandard on Personal and Family, more on Premium, highest on ProTiersMicrosoft 365 Personal, Microsoft 365 Family, Microsoft 365 Premium, Microsoft 365 ProVoice Standard usage Standard usage More usage Highest usageMicrosoft Support: How AI usage works across Microsoft 365 subscriptions for individuals11Copilot VoiceCopilot Voice holds a real-time spoken conversation, and its cap rises with each individual plan.LimitStandard on Personal and Family, more on Premium, highest on ProTiersMicrosoft 365 Personal, Microsoft 365 Family, Microsoft 365 Premium, Microsoft 365 ProCopilot Voice Have a real-time spoken conversation with Copilot. Work or school and personal accountsMicrosoft Support: Get started with voice features in Microsoft CopilotStandard on Personal and Family, more on Premium, highest on ProMicrosoft 365 Personal: includedMicrosoft 365 Family: includedMicrosoft 365 Copilot Business (add-on): not includedMicrosoft 365 Premium: includedMicrosoft 365 Business Standard with Copilot: not includedMicrosoft 365 Copilot (add-on): not includedMicrosoft 365 Business Premium with Copilot: not includedMicrosoft 365 Pro: included
Audio Overviews2Audio OverviewsCopilot turns documents and Notebooks into spoken audio overviews in English.LimitStandard on Personal and Family, extensive on Premium and Pro; English onlyTiersMicrosoft 365 Personal, Microsoft 365 Family, Microsoft 365 Premium, Microsoft 365 ProAudio Overview Standard usage Standard usage Extensive usage Extensive usageMicrosoft Support: How AI usage works across Microsoft 365 subscriptions for individuals3Audio OverviewsCopilot turns documents and Notebooks into spoken audio overviews in English.LimitStandard on Personal and Family, extensive on Premium and Pro; English onlyTiersMicrosoft 365 Personal, Microsoft 365 Family, Microsoft 365 Premium, Microsoft 365 ProAudio overviews (available in Notebooks in the Microsoft 365 Copilot app)Microsoft: Meet Microsoft 365 Premium: Your AI and productivity powerhouse9Audio OverviewsCopilot turns documents and Notebooks into spoken audio overviews in English.LimitStandard on Personal and Family, extensive on Premium and Pro; English onlyTiersMicrosoft 365 Personal, Microsoft 365 Family, Microsoft 365 Premium, Microsoft 365 ProTransform content into engaging listening experiences with AI-generated audioHigher usage than free for AI-generated audio (English only)Microsoft: Compare Microsoft 365 Plans & Pricing (Formerly Office 365)Standard on Personal and Family, extensive on Premium and Pro; English onlyMicrosoft 365 Personal: includedMicrosoft 365 Family: includedMicrosoft 365 Copilot Business (add-on): not includedMicrosoft 365 Premium: includedMicrosoft 365 Business Standard with Copilot: not includedMicrosoft 365 Copilot (add-on): not includedMicrosoft 365 Business Premium with Copilot: not includedMicrosoft 365 Pro: included
Bundled extras
AI in Windows apps10AI in Windows appsThe same AI credits cover the AI tools built into Windows apps such as Photos and Paint.TiersMicrosoft 365 Personal, Microsoft 365 Family, Microsoft 365 PremiumAs a Microsoft 365 Personal, Family, or Premium subscriber, you have access to AI credits that can be used to access AI features in Word, Excel, PowerPoint, Outlook, Forms, OneNote, Designer, Notepad, Photos, and Paint.Microsoft Support: Frequently asked questions about Copilot in Microsoft 365 subscriptionsMicrosoft 365 Personal: includedMicrosoft 365 Family: includedMicrosoft 365 Copilot Business (add-on): not includedMicrosoft 365 Premium: includedMicrosoft 365 Business Standard with Copilot: not includedMicrosoft 365 Copilot (add-on): not includedMicrosoft 365 Business Premium with Copilot: not includedMicrosoft 365 Pro: not included
OneDrive storage8OneDrive storageEach plan bundles OneDrive storage, from 1 TB on Personal to 5 TB shared on Pro.Limit1 TB Personal, 2 TB Family and Premium, 5 TB ProTiersMicrosoft 365 Personal, Microsoft 365 Family, Microsoft 365 Premium, Microsoft 365 ProOneDrive cloud storage 1 TB 2 TB 2 TB 5 TBMicrosoft: Copilot Pricing Plans for Individuals1 TB Personal, 2 TB Family and Premium, 5 TB ProMicrosoft 365 Personal: includedMicrosoft 365 Family: includedMicrosoft 365 Copilot Business (add-on): not includedMicrosoft 365 Premium: includedMicrosoft 365 Business Standard with Copilot: not includedMicrosoft 365 Copilot (add-on): not includedMicrosoft 365 Business Premium with Copilot: not includedMicrosoft 365 Pro: included

What each tier adds

  1. Microsoft 365 Personal$9.99 a month or $99.99 a yearIncludes
  2. Microsoft 365 Family$12.99 a month or $129.99 a yearEverything in Microsoft 365 Personal, plus
  3. Microsoft 365 Copilot Business (add-on)$18 a user a month, paid yearly (list $21)Includes
  4. Microsoft 365 Premium$19.99 a month or $199.99 a yearEverything in Microsoft 365 Personal, plus
  5. Microsoft 365 Business Standard with Copilot$23.50 a user a month, paid yearlyEverything in Microsoft 365 Copilot Business (add-on), plus
  6. Microsoft 365 Copilot (add-on)$30 a user a month, paid yearlyIncludes
  7. Microsoft 365 Business Premium with Copilot$32 a user a month, paid yearlyEverything in Microsoft 365 Business Standard with Copilot
  8. Microsoft 365 Pro$99.99 a month, billed monthly onlyIncludes

Plan login or API key

What signing in with a Microsoft Copilot plan gives, beside what a Microsoft API key gives.

Usage and billing

With the plan login

  • Monthly AI credits2Monthly AI creditsPersonal, Family, Premium and Pro meter Copilot with a monthly AI credit allotment plus per-feature caps, both sized by plan.LimitA monthly allotment that depends on the plan; Microsoft publishes no credit countTiersMicrosoft 365 Personal, Microsoft 365 Family, Microsoft 365 Premium, Microsoft 365 ProMicrosoft 365 Personal, Microsoft 365 Family, Microsoft 365 Premium, and Microsoft 365 Pro plans include AI features to power your productivity and creativity. Some of these features have limits to the number of times they can be used within a specific time period while others require the use of AI credits. Limit and AI credit allotments depend on your Microsoft 365 plan.AI credits are monthly usage allotments you can use as you go in Microsoft 365 and Windows applicationsMicrosoft Support: How AI usage works across Microsoft 365 subscriptions for individuals
  • Highest caps on Pro2Highest caps on ProPro carries the highest AI usage caps of any Microsoft plan for individuals.TiersMicrosoft 365 ProIf you already have a Microsoft 365 Personal, Family, or Premium plan, you can switch to Microsoft 365 Pro to access the highest usage limits available.Microsoft Support: How AI usage works across Microsoft 365 subscriptions for individuals
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  • AI for the owner only9AI for the owner onlyThe shared plans give apps and storage to up to six people, and only the subscription owner gets Copilot.TiersMicrosoft 365 Family, Microsoft 365 Premium, Microsoft 365 ProAI features included in Microsoft 365 Family, Microsoft 365 Premium, and Microsoft 365 Pro plans are only available to the subscription owner and cannot be shared with others.Microsoft: Compare Microsoft 365 Plans & Pricing (Formerly Office 365)
  • Metered advanced AI4Metered advanced AIChat and Copilot in the apps come with the license; advanced experiences such as Cowork draw Copilot Credits billed by use.TiersMicrosoft 365 Copilot Business (add-on), Microsoft 365 Business Standard with Copilot, Microsoft 365 Copilot (add-on), Microsoft 365 Business Premium with CopilotEveryday AI experiences, like chat and Copilot in your Microsoft 365 apps, are included with your license. More advanced AI experiences are billed based on usage. Today, these include Copilot Cowork, Code, Autopilot, and the Work IQ APIs.These experiences use Copilot Credits, so you pay based on actual usageMicrosoft: Microsoft Copilot Plans and Pricing, AI for Business5Metered advanced AIChat and Copilot in the apps come with the license; advanced experiences such as Cowork draw Copilot Credits billed by use.TiersMicrosoft 365 Copilot Business (add-on), Microsoft 365 Business Standard with Copilot, Microsoft 365 Copilot (add-on), Microsoft 365 Business Premium with CopilotCopilot Cowork [popover:] MeteredMicrosoft: Microsoft Copilot Plans and Pricing

With an API key

  • Pay per token on Azure12Pay per token on AzureAzure OpenAI bills each input and output token on demand.Standard (On-Demand): Pay-as-you-go for input and output tokens.Pay-As-You-Go allows you to pay for the resources you consumeMicrosoft Azure: Azure OpenAI Service
  • Batch at half price12Batch at half priceThe Azure OpenAI Batch API returns completions within a day at half the Global Standard price.LimitResults within 24 hours, 50% off Global Standard pricingBatch API: Language models are also now available in the Batch API for global deployments and three regions , that returns completions within 24 hours for a 50% discount on Global Standard Pricing.Microsoft Azure: Azure OpenAI Service
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  • Reserved throughput12Reserved throughputProvisioned throughput units reserve model capacity at a predictable cost, with monthly or annual reservations.Provisioned (PTUs): Allocate throughput with predictable costs, with monthly and annual reservations available to reduce overall spend.Microsoft Azure: Azure OpenAI Service
  • Metered Retrieval API13Metered Retrieval APIThe Copilot Retrieval API and metered agents bill through an Azure subscription, with admin budgets set per billing policy.The following services are available for pay-as-you-go billing: Microsoft Copilot Chat SharePoint agents Microsoft Copilot Retrieval API (Preview)When you use a Microsoft pay-as-you-go service linked to an Azure subscription, the service gets billed through the Azure subscriptionAs an admin, you can add a budget limit to a billing policyMicrosoft Learn: Microsoft Copilot Pay-as-You-Go Service Overview

Models

With the plan login

  • Priority model access2Priority model accessPaid plans get priority access to Copilot's models when capacity is tight; free Copilot Chat gets standard access.TiersMicrosoft 365 Personal, Microsoft 365 Family, Microsoft 365 Copilot Business (add-on), Microsoft 365 Premium, Microsoft 365 Business Standard with Copilot, Microsoft 365 Copilot (add-on), Microsoft 365 Business Premium with Copilot, Microsoft 365 ProPriority access Yes Yes Yes YesMicrosoft Support: How AI usage works across Microsoft 365 subscriptions for individuals4Priority model accessPaid plans get priority access to Copilot's models when capacity is tight; free Copilot Chat gets standard access.TiersMicrosoft 365 Personal, Microsoft 365 Family, Microsoft 365 Copilot Business (add-on), Microsoft 365 Premium, Microsoft 365 Business Standard with Copilot, Microsoft 365 Copilot (add-on), Microsoft 365 Business Premium with Copilot, Microsoft 365 ProLatest OpenAI models: GPT-5.X Priority Priority PriorityMicrosoft: Microsoft Copilot Plans and Pricing, AI for Business5Priority model accessPaid plans get priority access to Copilot's models when capacity is tight; free Copilot Chat gets standard access.TiersMicrosoft 365 Personal, Microsoft 365 Family, Microsoft 365 Copilot Business (add-on), Microsoft 365 Premium, Microsoft 365 Business Standard with Copilot, Microsoft 365 Copilot (add-on), Microsoft 365 Business Premium with Copilot, Microsoft 365 ProLatest OpenAI models: GPT-5X Standard PriorityMicrosoft: Microsoft Copilot Plans and Pricing7Priority model accessPaid plans get priority access to Copilot's models when capacity is tight; free Copilot Chat gets standard access.TiersMicrosoft 365 Personal, Microsoft 365 Family, Microsoft 365 Copilot Business (add-on), Microsoft 365 Premium, Microsoft 365 Business Standard with Copilot, Microsoft 365 Copilot (add-on), Microsoft 365 Business Premium with Copilot, Microsoft 365 ProThe Microsoft Copilot license includes priority access for faster response times and more consistent availability.Microsoft Support: What's the difference between Microsoft Copilot (free) and Copilot in Microsoft 3659Priority model accessPaid plans get priority access to Copilot's models when capacity is tight; free Copilot Chat gets standard access.TiersMicrosoft 365 Personal, Microsoft 365 Family, Microsoft 365 Copilot Business (add-on), Microsoft 365 Premium, Microsoft 365 Business Standard with Copilot, Microsoft 365 Copilot (add-on), Microsoft 365 Business Premium with Copilot, Microsoft 365 ProPreferred access to AI models during peak timesMicrosoft: Compare Microsoft 365 Plans & Pricing (Formerly Office 365)
  • Model choice at work4Model choice at workBusiness plans with Copilot let users pick the large language model behind chat grounded in work data.TiersMicrosoft 365 Copilot Business (add-on), Microsoft 365 Business Standard with Copilot, Microsoft 365 Business Premium with CopilotAI chat grounded in your work data with large language model (LLM) choiceAI chat grounded in your work data Large language model (LLM) choiceMicrosoft: Microsoft Copilot Plans and Pricing, AI for Business

With an API key

  • GPT-6 Astra on Azure12GPT-6 Astra on AzureAzure OpenAI sells GPT-6 Astra by the million tokens in Global and Data Zone deployments.GPT-6 Astra, OpenAI's newest frontier modelGPT-6 Astra (short context) Global InputGPT-6 Astra (short context) Data Zone InputMicrosoft Azure: Azure OpenAI Service

Building on it

With the plan login

  • Copilot Studio agents included4Copilot Studio agents includedLicensed users build internal agents in Copilot Studio at no extra cost; publishing to websites or outside apps needs the standalone Studio license.TiersMicrosoft 365 Copilot Business (add-on), Microsoft 365 Business Standard with Copilot, Microsoft 365 Copilot (add-on), Microsoft 365 Business Premium with CopilotCopilot Studio that's included with a Microsoft 365 Copilot license lets the licensed users build and use internal agents within Microsoft 365 using the Copilot Chat and Standard harness at no additional cost.The standalone Copilot Studio license offers additional flexibilitypublish to external channels (like websites, apps, and social platforms)Microsoft: Microsoft Copilot Plans and Pricing, AI for Business

With an API key

  • Fine-tuning12Fine-tuningAzure OpenAI offers fine-tuning, including reinforcement fine-tuning of o4-mini, billed per token and per training hour.Fine-tuning models Model Pricing o4-mini (Reinforcement fine-tuning)Training: $- /hour Hosting: $- /hourMicrosoft Azure: Azure OpenAI Service
  • Microsoft 365 Copilot APIs14Microsoft 365 Copilot APIsThe Retrieval and Chat APIs put Copilot into your own apps; each user needs a Microsoft 365 Copilot license on an E3 or E5 base.The Microsoft 365 Copilot APIs enable you to securely access Microsoft 365 Copilot capabilities in your own applications and custom engine agentsRetrieval API Retrieve relevant information from Microsoft 365 content in a secure and compliant way.Chat API (preview) Enable conversational experiences powered by Microsoft 365 Copilot in your custom applications.Microsoft 365 Copilot license - Required for each user who accesses Microsoft 365 Copilot functionality via these APIs.An E3 or E5 subscription (or equivalent) is the foundation for Microsoft 365 Copilot.Microsoft Learn: Microsoft 365 Copilot APIs Overview
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  • Copilot connectors15Copilot connectorsConnectors index outside data into Microsoft Graph or fetch it live over MCP, so Copilot answers from systems beyond Microsoft 365.Synced connectors: Index data into Microsoft Graph for Copilot and search.Federated connectors: Use a Model Context Protocol (MCP) model to fetch data in real time, without indexing content into Microsoft 365.It uses the Microsoft Graph connectors API to ingest items into the Microsoft Graph index.Microsoft Learn: Copilot connectors overview

Data and admin

With the plan login

  • Personal Copilot on work files3Personal Copilot on work filesA personal plan can run Copilot on work files in Word, Excel, PowerPoint and Outlook when the employer turns on multi-account access.TiersMicrosoft 365 Personal, Microsoft 365 Family, Microsoft 365 Premium, Microsoft 365 Proyour organization benefits from Enterprise Data Protection in CopilotMicrosoft: Meet Microsoft 365 Premium: Your AI and productivity powerhouse8Personal Copilot on work filesA personal plan can run Copilot on work files in Word, Excel, PowerPoint and Outlook when the employer turns on multi-account access.TiersMicrosoft 365 Personal, Microsoft 365 Family, Microsoft 365 Premium, Microsoft 365 ProEverything in Microsoft 365 Premium, plus: 5 TB of shared, secure cloud storageMicrosoft: Copilot Pricing Plans for Individuals9Personal Copilot on work filesA personal plan can run Copilot on work files in Word, Excel, PowerPoint and Outlook when the employer turns on multi-account access.TiersMicrosoft 365 Personal, Microsoft 365 Family, Microsoft 365 Premium, Microsoft 365 ProUse Copilot in select apps with work files in a secure wayEmployer must have an enterprise subscription that includes Microsoft 365 desktop apps and have multi account access enabled (excludes government tenants).Applies to select AI features in Word, Excel, PowerPoint, and Outlook desktop appsMicrosoft: Compare Microsoft 365 Plans & Pricing (Formerly Office 365)
  • Enterprise Data Protection4Enterprise Data ProtectionWork prompts and responses stay inside the Microsoft 365 service boundary and never train foundation models.TiersMicrosoft 365 Copilot Business (add-on), Microsoft 365 Business Standard with Copilot, Microsoft 365 Copilot (add-on), Microsoft 365 Business Premium with CopilotWith enterprise data protection (EDP) in Copilot, prompts and responses stay within the Microsoft 365 service boundaryEnterprise Data Protection (EDP), management, compliance, and controlsMicrosoft: Microsoft Copilot Plans and Pricing, AI for Business16Enterprise Data ProtectionWork prompts and responses stay inside the Microsoft 365 service boundary and never train foundation models.TiersMicrosoft 365 Copilot Business (add-on), Microsoft 365 Business Standard with Copilot, Microsoft 365 Copilot (add-on), Microsoft 365 Business Premium with Copilotthe prompts, responses, and data accessed through Microsoft Graph aren't used to train foundation modelsMicrosoft Learn: Enterprise data protection in Microsoft Copilot and Microsoft Copilot Chat
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  • Consumer terms at home10Consumer terms at homeCopilot in the individual plans runs under the Microsoft Services Agreement and the Copilot Terms of Use.TiersMicrosoft 365 Personal, Microsoft 365 Family, Microsoft 365 Premium, Microsoft 365 ProCopilot in Microsoft 365 apps available in Microsoft 365 Personal, Family, Premium, and Pro subscriptions is covered by the Microsoft Services Agreement and the Copilot Terms of UseMicrosoft Support: Frequently asked questions about Copilot in Microsoft 365 subscriptions

With an API key

No difference stated

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