Copilot Pricing: Microsoft 365, Personal and GitHub Plans

Last Updated: October 11, 2026

Copilot pricing depends on which Copilot you mean. Microsoft’s consumer plans run from free to $99.99 a month, with Microsoft 365 Premium at $19.99. Microsoft 365 Copilot for work costs $30 per user a month paid yearly, and GitHub Copilot runs from free to $100 a month. Prices come from Microsoft’s and GitHub’s own pages, checked October 2026.

“Copilot” is the name of at least three separate products, and each has its own price list. Microsoft sells Copilot inside its consumer plans, sells a business version at $30 per user, and owns GitHub, which sells a coding Copilot that starts at $10. Searching “Copilot pricing” mixes all three.

This guide separates them. It covers what each Copilot costs, what the free tier includes, how monthly billing changes the business price, and how GitHub’s new credit system works. If you want to know what the tool does first, our guide to what Microsoft Copilot is is the place to start.

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Copilot costs $0 for the free versions, $9.99 to $99.99 a month for Microsoft’s consumer plans, $18 to $30 per user a month for Microsoft 365 Copilot at work, and $10 to $100 a month for GitHub Copilot. The right row depends on which Copilot you are buying.

Source: Microsoft’s individual plans page, business pricing page and enterprise pricing page, plus GitHub’s plans page. All checked October 2026. Microsoft says its prices are for marketing purposes only and final pricing appears at checkout.

Yes. Microsoft offers a free version of Copilot, with usage “subject to available capacity and limits.” Work accounts also get Copilot Chat at no extra cost with an eligible Microsoft 365 plan. GitHub Copilot Free exists too, with 2,000 completions and 50 chat requests a month.

Microsoft’s individual plans page does not itemize what the free consumer version includes, so the limits are not published as numbers. Copilot Chat for business is a smaller product than the paid one. It includes web-grounded chat but not Work IQ, which is how Microsoft 365 Copilot reads your company’s files and email, and it covers only limited use in Outlook.

Students and open source maintainers can also get free GitHub access. Copilot Student is free for verified students, and verified teachers and maintainers of popular open source projects may get Copilot Pro free. For other no-cost tools, see our guide to the best free AI tools.

Sources: Microsoft’s individual and enterprise pricing pages, and GitHub’s plans documentation.

For individuals, Copilot is bundled into Microsoft 365. Personal costs $9.99 a month, Family $12.99, Premium $19.99 and Pro $99.99. Yearly billing saves up to 17% on Personal, Family and Premium. Premium and Pro raise the Copilot usage limits, and Pro is billed monthly only.

Two details matter before you pay. Family covers up to six people for storage and apps, but the Copilot AI features are for the subscription owner only. And Microsoft’s individual plans page does not list a plan called Copilot Pro, so Premium at $19.99 is the closest current offer. Personal, Family and Premium show a free trial, Pro does not, and all paid plans renew automatically.

The usage tiers have no published numbers. Microsoft describes them only as “higher than free,” “extensive” and “highest,” so you cannot compare the allowances in advance. Source: Microsoft’s individual plans page, checked October 2026.

Microsoft 365 Copilot costs $30 per user a month paid yearly, on top of a qualifying Microsoft 365 license. Smaller businesses can buy Copilot Business at $21 per user a month paid yearly, currently discounted to $18, or $25.20 billed monthly. Monthly billing costs 20% more on every Microsoft business plan.

The 20% premium is my arithmetic from Microsoft’s listed prices: $25.20 divided by $21, $28.20 divided by $23.50 and $38.40 divided by $32 each give 1.2. At 100 users, Copilot Business costs about $21,600 in the first promotional year, $25,200 a year at the $21 list price, and $36,000 a year for enterprise Microsoft 365 Copilot at $30.

The $18 Copilot Business price is a promotion that runs from July 1, 2026 to December 31, 2026. It covers the first year only, requires an annual commitment and applies only to existing Microsoft 365 customers on an eligible Business plan. Microsoft may change or cancel it at any time. Business Standard and Business Premium with Copilot are bundles with the Microsoft 365 plan, while the add-on and enterprise versions need a separate qualifying license.

Agent and connector use is metered rather than included for Copilot Chat users, and Copilot Cowork is metered on every business plan. Microsoft publishes no rates for the metered items. Sources: Microsoft’s business pricing page and enterprise pricing page. For usage data, see Microsoft Copilot statistics.

GitHub Copilot costs $0 on Free, $10 a month on Pro, $39 on Pro+ and $100 on Max. Teams pay $19 per seat for Business and $39 for Enterprise. All paid plans now include monthly AI credits worth $0.01 each, and code completions do not use credits.

GitHub’s documentation prices each credit at $0.01, which means a $10 budget buys 1,000 credits. By that math, individual plans include more credit value than they cost: Pro gives $15 for $10, Pro+ gives $70 for $39 and Max gives $200 for $100. Business and Enterprise seats get credits equal to their price, and usage beyond the shared organization pool is billed at $0.01 per credit.

GitHub replaced “premium requests” with AI credits, so older pricing guides describe a different system. Pro+ and Max also add third-party coding agents such as Claude and OpenAI Codex, which Free and Pro do not include. Unlimited inline suggestions come with every paid plan. For how this compares with a rival editor, see our Cursor pricing guide and the Cursor vs GitHub Copilot comparison.

Sources: GitHub’s plans documentation and plans page. GitHub’s pages do not state how credits carry over between months.

Pick the free Copilot to test it, Microsoft 365 Personal or Family if you already want the Office apps, and Premium if you hit the free limits. Pick Microsoft 365 Copilot for company data, GitHub Copilot Pro for coding, and Business or Enterprise seats for teams.

If you are comparing with other assistants, our ChatGPT vs Microsoft Copilot guide covers the features, and the AI pricing guide compares what the major tools cost.

Yes. Microsoft business subscriptions are canceled in the Microsoft 365 admin center, some carry a cancellation fee, and data is deleted on cancellation. GitHub personal plans keep working until the end of the billing cycle, with no proration. Microsoft’s business page notes a 7-day window for a prorated refund.

A few rules differ by product:

Personal GitHub accounts can set budgets with email alerts at 75%, 90% and 100%, but budgets do not stop license charges. Sources: Microsoft’s business pricing page and GitHub’s billing documentation.

Copilot pricing splits into three lists, as of October 2026. Microsoft’s consumer plans run $9.99 to $99.99 a month, Microsoft 365 Copilot costs $30 per user paid yearly, and GitHub Copilot costs $10 to $100 a month. The free versions cover light use, Microsoft 365 Premium at $19.99 is the step up for personal users, and monthly billing costs 20% more than yearly on Microsoft’s business plans. Check the Copilot Business promotion before December 31, 2026, since the $18 price covers the first year only.

Microsoft Copilot is free in its basic form. Paid access comes through Microsoft 365: Personal at $9.99 a month, Family at $12.99, Premium at $19.99 and Pro at $99.99. For work, Microsoft 365 Copilot costs $30 per user a month paid yearly, on top of a qualifying Microsoft 365 license.

Yes. Microsoft offers a free Copilot with limited usage, and work accounts get Copilot Chat at no extra cost with an eligible Microsoft 365 plan. GitHub Copilot Free also exists, with 2,000 completions and 50 chat requests a month. Students and some open source maintainers get paid GitHub features free.

GitHub Copilot costs $0 on Free, $10 a month on Pro, $39 on Pro+ and $100 on Max. Teams pay $19 per seat for Business and $39 for Enterprise. Paid plans include monthly AI credits worth $0.01 each, and code completions do not use credits.

Microsoft 365 Copilot costs $30 per user a month paid yearly. Copilot Business, for smaller organizations, lists at $21 per user paid yearly, with an $18 promotional price through December 31, 2026 for the first year. Paying monthly costs 20% more, at $25.20 for Copilot Business.

Copilot Chat is included at no extra cost with eligible Microsoft 365 plans and offers web-grounded chat. Microsoft 365 Copilot adds Work IQ, which grounds answers in your company data, plus Copilot in Word, Excel, PowerPoint and Teams, pre-built agents and analytics.

Yes. Microsoft business plans are canceled in the admin center, and some carry a fee. Microsoft’s business page notes a 7-day window for a prorated refund. GitHub personal plans keep access until the cycle ends, with no proration, and teams are billed monthly for assigned seats.

By Sameer Khan

AI-assisted. Researched, reviewed, and edited by Sameer Khan before publication