The facts
Microsoft Copilot in Word at a glance.
From Microsoft's own pages, read Oct 20, 2026. Prices can change at any time; check the maker's page before you pay.
- Made by
- MicrosoftBased in United States
- What it is for
- WritingHelp drafting, rewriting and checking text.
- Free plan
- NoCopilot inside the Word desktop apps comes with a Microsoft 365 subscription; a free Microsoft account gets "Limited usage" of Copilot overall.
- Runs on
- Windows, macOS, web, mobile
- Latest update
- Use voice for Q&A during Read Aloud in Word, Aug 25, 2026
Plans and prices
| Plan | A month | What it includes |
|---|---|---|
| Free (Microsoft account) | Free | Comparison table: "Limited usage with a free Microsoft account". |
| Microsoft 365 Personal | $9.99 | $99.99/year. "Advanced Copilot1 chat with higher usage than free" (footnote marker as on page). Bundle: Copilot comes with the Microsoft 365 subscription. |
| Microsoft 365 Family | $12.99 | $129.99/year; 1 to 6 people "(AI for subscription owner only)". |
| Microsoft 365 Premium | $19.99 | $199.99/year. "Agentic AI features that get things done for you, including advanced research and analytics1". |
| Microsoft 365 Copilot Business (add-on) | $18 | "Originally starting from $21.00 now starting from $18.00" user/month, paid yearly; add-on to an existing Microsoft 365 plan. |
| Microsoft 365 Business Standard with Copilot | $23.50 | $23.50 user/month, paid yearly. Bundle. |
| Microsoft 365 Business Premium with Copilot | $32 | $32.00 user/month, paid yearly. Bundle. |
Microsoft 365: compare all plans, Oct 20, 2026 · company-reported
Read the small print
What its terms say.
Copied word for word from the maker's terms, with any lawsuits or complaints and their status when we last checked.
“If you are logged into Copilot with a Microsoft Account or other third-party authentication, you can control whether your conversation activity is used for training Microsoft's generative AI models.”
Our note: Bundle: only inside Microsoft 365 plans (consumer Personal/Family/Premium or business plans with Copilot). The "1" in the quote is a footnote marker. Business plans: "Prompts and responses are not used to train the underlying large language models." Consumer Personal/Family Copilot use in Microsoft 365 apps is excluded from model training per Microsoft's Copilot privacy FAQ.
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