Microsoft subscriptions
Copilot subscription pricing
Compare 3 Copilot plans, included models, usage notes, and when it makes more sense to use API token pricing instead.
Data updated . Current plans only; historical plans are excluded.
Cheapest paid plan
Microsoft 365 Premium
$19.99/mo
Highest self-serve plan
Microsoft 365 Copilot Business
$21/seat/mo
Cheapest related API model
GPT-5 nano
$0.05/1M input tokens
| Plan | Price | Included models | Usage notes |
|---|---|---|---|
| Copilot Free free | Free | gpt-5-mini, gpt-4o | Standard access during off-peak, basic image gen |
| Microsoft 365 Premium pro Price checked | $19.99/mo | gpt-5.4, o3 | Microsoft 365 Premium replaces standalone Copilot Pro for consumers at $19.99/month or $199.99/year. |
| Microsoft 365 Copilot Business business Price checked | $21/seat/mo | gpt-5.4, o3 | Microsoft currently lists $18/seat/month promotional annual billing, $21/seat/month standard annual billing, and $25.20/seat/month monthly billing. Check current offer eligibility on Microsoft’s site. |
Break-even calculator
Compare Copilot plans vs API usage
Enter your daily message count and token volume to see whether a monthly subscription or raw API usage is cheaper.
API pricing
Compare related OpenAI API token rates
OpenAI API rates are for separate programmatic workloads; they are not Microsoft Copilot seat prices or included API access.
Compare this choice with ChatGPT subscription prices as a close alternative.
Frequently asked questions
Which Copilot subscription is cheapest?
The cheapest paid Copilot plan we track is Microsoft 365 Premium at $19.99/mo. Free plans are useful for testing, but paid plans usually unlock higher limits and better models.
Should I use Copilot subscription pricing or API pricing?
Use a subscription for one person working inside the app. Use API pricing for software, agents, automations, batch jobs, or customer-facing workflows. The subscription vs API calculator models the break-even point from your daily usage.
How often is this page updated?
This page is generated from AI Pricing Guru subscription data and API pricing data. The current snapshot is dated 2026-10-16.