Last updated: October 13, 2026. Prices checked on Microsoft’s Canadian and U.S. stores; taxes extra.
Short answer: Microsoft Copilot is free at copilot.microsoft.com. To get Copilot inside Word, Excel, PowerPoint and Outlook, you need Microsoft 365: Personal (CA$11.50 / US$9.99 a month), Family (CA$14.50 / US$12.99) or Premium (CA$27 / US$19.99). Premium is the plan with the most Copilot usage. Copilot Pro is gone: its store page now sends you to Microsoft 365 Premium.
Microsoft 365 Personal
Copilot in the Office apps, 1 TB of storage and more AI usage than free, for less than half the price of Premium. Enough for most people.
Copilot prices in Canada and the U.S.
| Plan | Canada (monthly / yearly) | U.S. (monthly / yearly) | Copilot usage | People | Storage |
|---|---|---|---|---|---|
| Copilot (free) | $0 | $0 | Limited | 1 | 5 GB OneDrive |
| Microsoft 365 Personal | CA$11.50 / CA$115 | US$9.99 / US$99.99 | Higher than free | 1 | 1 TB |
| Microsoft 365 Family | CA$14.50 / CA$145 | US$12.99 / US$129.99 | Higher than free (owner only) | Up to 6 | 2 TB shared |
| Microsoft 365 Premium | CA$27 / CA$270 | US$19.99 / US$199.99 | Extensive (owner only) | Up to 6 | 2 TB shared |
Paying yearly saves CA$23 on Personal, CA$29 on Family and CA$54 on Premium.
What each plan gets you
Copilot (free)
Chat, web answers and a limited number of AI images at copilot.microsoft.com and in Windows and Edge. You also get free web versions of Word and Excel, but without Copilot inside them.
Microsoft 365 Personal
Copilot inside the desktop Office apps: draft and summarize documents and emails, analyze data in Excel, build PowerPoint outlines. Usage is “higher than free”, and you get preferred access to AI models at busy times. Good for one person who already uses Office.
Microsoft 365 Family
The cheapest way to give up to six people the Office apps and 2 TB of storage. The catch: Copilot is for the subscription owner only. The other five people get the apps and storage, not the AI.
Microsoft 365 Premium
Everything in Family, plus “extensive” Copilot usage and agentic features for advanced research and analytics. This is the plan that replaced Copilot Pro. Like Family, the AI works only for the owner.
Is Microsoft 365 Premium worth it?
At CA$27 a month, Premium costs about the same as ChatGPT Plus (US$20 plus tax). Pick Premium if you live in Word, Excel and Outlook and want the AI there. If you mostly chat with an AI, ChatGPT or Claude gives you more for the same money. See Copilot vs ChatGPT.
Copilot for business
| Plan (per user per month, paid yearly) | Canada |
|---|---|
| Microsoft 365 Copilot Business (add-on to an existing plan) | From CA$28.50 (on sale from CA$24.43) |
| Microsoft 365 Business Standard with Copilot | CA$31.90 |
| Microsoft 365 Business Premium with Copilot | CA$43.40 |
Which Copilot plan should you choose?
| If you… | Choose |
|---|---|
| Just want an AI chatbot | Free Copilot |
| Use Office alone and want AI in it | Microsoft 365 Personal |
| Need Office for the whole household | Family (AI for one person only) |
| Use Copilot all day in Office | Microsoft 365 Premium |
| Run a small business | Business Standard with Copilot |
FAQ
Is Microsoft Copilot free?
Yes. Copilot chat is free at copilot.microsoft.com with limited usage. Copilot inside Word, Excel and PowerPoint needs a Microsoft 365 Personal, Family or Premium plan.
What happened to Copilot Pro?
Microsoft’s Copilot Pro store page now redirects to Microsoft 365 Premium, which includes the highest Copilot usage for consumers.
Does Microsoft 365 Family share Copilot with everyone?
No. Microsoft states that the AI features are for the subscription owner only. The other members get the apps and storage.
How much is Copilot in Canada?
Microsoft 365 Personal costs CA$11.50 a month or CA$115 a year, Family CA$14.50 or CA$145, and Premium CA$27 or CA$270, plus tax.