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Microsoft's AI productivity assistant embedded in Microsoft 365 apps, requiring a qualifying M365 base license and a separate paid Copilot add-on for full functionality.
Personal Productivity
8.5Copilot is embedded in Outlook, Teams, Word, and Excel, summarising meetings, drafting emails, and generating slide decks without any context switching from apps users already run daily.
Content Creation
7.5Generates documents, presentations, and emails within M365 app formats; constrained to Microsoft document types and does not support standalone creative workflows outside the ecosystem.
Data Analysis
7.5Natural language data analysis and formula generation in Excel; produces charts and trend summaries from structured data without requiring coding skills; does not replace dedicated BI tools like Power BI.
Automation
7.0Copilot Studio enables no-code agent building within M365 tenants; agent flow actions require an Azure subscription; automation is scoped to M365 workflows rather than general cross-platform automation.
Microsoft Copilot is an AI layer built on top of the Microsoft 365 ecosystem, providing in-app assistance across Word, Excel, PowerPoint, Outlook, Teams, and Loop. It grounds responses in organisational data via Microsoft Graph, giving contextually relevant suggestions from emails, files, meetings, and calendars. Copilot is not a standalone product — a qualifying Microsoft 365 Business or Enterprise base licence is a hard prerequisite. The Copilot Business add-on starts at $18/user/month (promotional rate through June 2026, standard $21/user/month, up to 300 users); the Enterprise add-on is $30/user/month. Copilot Chat, included at no extra cost for eligible M365 users, provides web-grounded AI chat without access to organisational data.
Pricing
| Plan | Model | Usage Limits | Price |
|---|---|---|---|
| Copilot Chat | Latest LLM with web grounding; no organisational data access. | Web-grounded chat only; no Microsoft Graph access; metered agent usage requires Azure subscription. | included |
| Copilot Pro | GPT-class model with priority access; Copilot in M365 desktop apps. | Priority model access; Copilot in M365 Personal/Family desktop apps; 60 AI credits/month cap on M365 Personal/Family; Microsoft 365 Premium lifts this cap. | $20/user/mo, individual |
| Copilot Business | GPT-class model with Microsoft Graph grounding and Work IQ; Researcher and Analyst deep reasoning agents. | Full Graph grounding across Word, Excel, PowerPoint, Outlook, Teams; Researcher and Analyst agents; Work IQ; Copilot Pages; Copilot Studio access. | $18–$21/user/mo, annual, up to 300 users |
| Copilot Enterprise | All Business models plus model choice, Copilot Tuning on organisational data, and role-specific agent variants. | All Business features plus Copilot Tuning, model choice, role-based AI solutions (Sales, Service, Finance); advanced Purview governance; custom Copilot Studio agents. | $30/user/mo, annual |
The $30/user/month Enterprise add-on includes Copilot Tuning, model choice, Researcher/Analyst agents, and Microsoft Purview governance — highest value for organisations fully committed to M365 who can measure productivity gains across daily document and meeting workflows.
Copilot Business at $18/user/month (promotional) requires an existing qualifying M365 Business plan as a prerequisite; the combined per-seat cost makes ROI hard to justify for teams with fewer than 10 active daily users.
Copilot drafts email campaigns, summarises briefs, and assists with presentation creation in Outlook and PowerPoint, but lacks the dedicated marketing workflow tools and brand voice controls available in purpose-built platforms like Jasper.
Content creation in Word and PowerPoint is accelerated by in-app AI drafting, but the tool is scoped to M365 document formats and does not support standalone creative workflows outside the Microsoft ecosystem.
Consider These Instead
Choose ChatGPT Business ($25/user/month) if your team is not on Microsoft 365 and needs a full-featured AI assistant covering writing, coding, research, and image generation with workspace privacy and no M365 prerequisite. Choose Google Gemini AI Pro ($19.99/month) if your organisation runs Google Workspace and wants AI embedded in Gmail, Docs, Sheets, and Meet with comparable Graph-grounding via Google's data layer.
