X Plus vs Microsoft 365 Personal
$8/mo vs $9.99/mo: choose by included models and usage limits. API usage is separate.
| Compare | X Plus | Microsoft 365 Personal |
|---|---|---|
| Monthly USD | $8/mo | $9.99/mo |
| Included models | Grok | Microsoft Copilot |
| Billing | monthly-or-yearly | monthly-or-yearly |
| Verified · Monthly USD source · Included models source · How we verify → | ||
X Plus is $1.9900000000000002/mo cheaper · Updated 2026-11-02
Which one should you pick?
Pick X Plus if you want
- Grok as your main model
- coding agent
- a $1.9900000000000002/mo lower bill
Pick Microsoft 365 Personal if you want
- Microsoft Copilot as your main model
- office & app integrations
X Plus is $1.9900000000000002/mo cheaper. Based on listed plan terms; check usage limits before upgrading.
| X Plus | $8/mo $96 per year at the monthly rate · usage: 1× Plus pool |
|---|---|
| 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 | X Plus | Microsoft 365 Personal |
|---|---|---|
| Price | $8/mo | $9.99/mo |
| Best for | Cheapest Grok + Cursor | One person in Office apps |
| Usage | 1× Plus pool | Extensive chat use |
| Billing | monthly-or-yearly | monthly-or-yearly |
| Audience | consumer | consumer |
| Models | Grok | Microsoft Copilot |
| Key perks | Shared Grok/Cursor pool; X Premium benefits; Cursor access | Word, Excel, PowerPoint; 1 TB storage; 1 person |
| Context window | Not fixed per plan | Not fixed per plan |
| Coding agent | Yes | Not listed |
| Office & app integrations | Not listed | 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
- X Plus
- 1x Plus shared weekly Grok/Cursor usage. Third-party models in Cursor use separately purchased Additional Usage credits from the first request.
- 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 X Plus
- +Grok product access
- +X Premium benefits after connecting X account
- +Cursor
- +shared weekly Grok usage pool
Only in Microsoft 365 Personal
- +Microsoft Copilot
- +Word, Excel, PowerPoint and Outlook integration
- +1 TB cloud storage
- +AI benefits for subscription owner only
How to decide
X Plus is $1.9900000000000002/mo cheaper. Picking between X Plus 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 X Plus and Microsoft 365 Personal?
X Plus costs $8/mo and Microsoft 365 Personal costs $9.99/mo, a difference of $1.9900000000000002/month (about $23.880000000000003/year). Pricing verified 2026-11-02.
Which AI models are included with X Plus vs Microsoft 365 Personal?
X Plus bundles Grok. 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 X Plus or Microsoft 365 Personal better value for power users?
Microsoft 365 Personal costs $1.9900000000000002/month more than X Plus. The reviewed model lineup lists Microsoft Copilot in Microsoft 365 Personal, 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 X Plus 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.