Microsoft 365 Family vs Microsoft 365 Personal
$12.99/mo vs $9.99/mo: choose by included models and usage limits. API usage is separate.
| Compare | Microsoft 365 Family | Microsoft 365 Personal |
|---|---|---|
| Monthly USD | $12.99/mo | $9.99/mo |
| Included models | Microsoft Copilot | Microsoft Copilot |
| Billing | monthly-or-yearly | monthly-or-yearly |
| Verified · Monthly USD source · Included models source · How we verify → | ||
Microsoft 365 Personal is $3/mo cheaper · Updated 2026-11-02
Which one should you pick?
Pick Microsoft 365 Family if you want
- households up to 6 people
Pick Microsoft 365 Personal if you want
- a $3/mo lower bill
- one person in Office apps
Microsoft 365 Personal is $3/mo cheaper. Based on listed plan terms; check usage limits before upgrading.
| Microsoft 365 Family | $12.99/mo $155.88 per year at the monthly rate · usage: Extensive chat use |
|---|---|
| Microsoft 365 Personal | $9.99/mo $119.88 per year at the monthly rate · usage: Extensive chat use |
Listed monthly prices · How we verify →
| Attribute | Microsoft 365 Family | Microsoft 365 Personal |
|---|---|---|
| Price | $12.99/mo | $9.99/mo |
| Best for | Households up to 6 people | One person in Office apps |
| Usage | Extensive chat use | Extensive chat use |
| Billing | monthly-or-yearly | monthly-or-yearly |
| Audience | consumer | consumer |
| Models | Microsoft Copilot | Microsoft Copilot |
| Key perks | Word, Excel, PowerPoint; 2 TB shared storage; AI for owner only | Word, Excel, PowerPoint; 1 TB storage; 1 person |
| Context window | Not fixed per plan | Not fixed per plan |
| Office & app integrations | Yes | Yes |
| Verified | Price 2026-11-02 · models 2026-11-02 | Price 2026-11-02 · models 2026-11-02 |
✓ listed in the provider's current plan terms · — not listed (may still be available) · Pricing data: How we verify →
Usage limits in full
- Microsoft 365 Family
- For 1–6 people; 2 TB shared cloud storage. AI benefits are for the subscription owner only and cannot be shared. Chat/deep reasoning/Pages: extensive usage; Voice: standard usage; Vision: standard usage; image generation: standard usage. Researcher, Analyst and Cowork are not available. Limits vary by feature and system conditions; no numeric quota or API SKU entitlement is promised. Automatically renews unless canceled; offers and availability vary by market.
- Microsoft 365 Personal
- For 1 person; 1 TB cloud storage. AI benefits are for the subscription owner only and cannot be shared. Chat/deep reasoning/Pages: extensive usage; Voice: standard usage; Vision: standard usage; image generation: standard usage. Researcher, Analyst and Cowork are not available. Limits vary by feature and system conditions; no numeric quota or API SKU entitlement is promised. Automatically renews unless canceled; offers and availability vary by market.
Everything each plan lists
Only in Microsoft 365 Family
- +2 TB shared cloud storage
Listed by both: Microsoft Copilot · Word, Excel, PowerPoint and Outlook integration · AI benefits for subscription owner only
Only in Microsoft 365 Personal
- +1 TB cloud storage
How to decide
Microsoft 365 Personal is $3/mo cheaper. Picking between Microsoft 365 Family and Microsoft 365 Personal usually comes down to three things: which models you want access to, how much you'll actually use, and what ecosystem you already live in. Still unsure? The Subscription vs API calculator tells you the break-even usage where pay-as-you-go API access would be cheaper than either subscription.
Frequently asked questions
What is the price difference between Microsoft 365 Family and Microsoft 365 Personal?
Microsoft 365 Personal costs $9.99/mo and Microsoft 365 Family costs $12.99/mo, a difference of $3/month (about $36/year). Pricing verified 2026-11-02.
Which AI models are included with Microsoft 365 Family vs Microsoft 365 Personal?
Microsoft 365 Family bundles Microsoft Copilot. Microsoft 365 Personal bundles Microsoft Copilot. The model lineup is usually the most important factor — pick the plan whose flagship models match the work you actually do.
Is Microsoft 365 Family or Microsoft 365 Personal better value for power users?
Microsoft 365 Family costs $3/month more than Microsoft 365 Personal. The recorded model lineup is shared. Compare the recorded usage, features and billing terms above; a higher price alone does not establish a higher allowance or better value.
Can I switch between Microsoft 365 Family and Microsoft 365 Personal?
Check each provider's billing terms before switching. Monthly, annual and per-seat commitments can differ; cancellation usually stops renewal rather than refunding the current period.