Microsoft 365 Family vs X Plus
$12.99/mo vs $8/mo: choose by included models and usage limits. API usage is separate.
| Compare | Microsoft 365 Family | X Plus |
|---|---|---|
| Monthly USD | $12.99/mo | $8/mo |
| Included models | Microsoft Copilot | Grok |
| Billing | monthly-or-yearly | monthly-or-yearly |
| Verified · Monthly USD source · Included models source · How we verify → | ||
X Plus is $4.99/mo cheaper · Updated 2026-11-02
Which one should you pick?
Pick Microsoft 365 Family if you want
- Microsoft Copilot as your main model
- office & app integrations
Pick X Plus if you want
- Grok as your main model
- coding agent
- a $4.99/mo lower bill
X Plus is $4.99/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 |
|---|---|
| X Plus | $8/mo $96 per year at the monthly rate · usage: 1× Plus pool |
Listed monthly prices · How we verify →
| Attribute | Microsoft 365 Family | X Plus |
|---|---|---|
| Price | $12.99/mo | $8/mo |
| Best for | Households up to 6 people | Cheapest Grok + Cursor |
| Usage | Extensive chat use | 1× Plus pool |
| Billing | monthly-or-yearly | monthly-or-yearly |
| Audience | consumer | consumer |
| Models | Microsoft Copilot | Grok |
| Key perks | Word, Excel, PowerPoint; 2 TB shared storage; AI for owner only | Shared Grok/Cursor pool; X Premium benefits; Cursor access |
| Context window | Not fixed per plan | Not fixed per plan |
| Coding agent | Not listed | Yes |
| Office & app integrations | Yes | Not listed |
| 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.
- X Plus
- 1x Plus shared weekly Grok/Cursor usage. Third-party models in Cursor use separately purchased Additional Usage credits from the first request.
Everything each plan lists
Only in Microsoft 365 Family
- +Microsoft Copilot
- +Word, Excel, PowerPoint and Outlook integration
- +2 TB shared cloud storage
- +AI benefits for subscription owner only
Only in X Plus
- +Grok product access
- +X Premium benefits after connecting X account
- +Cursor
- +shared weekly Grok usage pool
How to decide
X Plus is $4.99/mo cheaper. Picking between Microsoft 365 Family and X Plus 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 X Plus?
X Plus costs $8/mo and Microsoft 365 Family costs $12.99/mo, a difference of $4.99/month (about $59.88/year). Pricing verified 2026-11-02.
Which AI models are included with Microsoft 365 Family vs X Plus?
Microsoft 365 Family bundles Microsoft Copilot. X Plus bundles Grok. 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 X Plus better value for power users?
Microsoft 365 Family costs $4.99/month more than X Plus. The reviewed model lineup lists Microsoft Copilot in Microsoft 365 Family, not X Plus. 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 X Plus?
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.