Microsoft Copilot
Verified Oct 15, 2026 ActiveMicrosoft's consumer assistant for chat, image creation and search across Windows, Mac, mobile and Edge
Listed on EffectHub ·
Pricing
- Pricing model
- Freemium
- Paid options from
- $9.99/mo
- Billing
- Monthly
Copilot is free with a Microsoft account, 'subject to available capacity and limits'. Higher usage and Copilot inside the Office apps come with Microsoft 365 Personal at $9.99 a month or $99.99 a year, Family at $12.99 / $129.99 (AI features for the owner only), Premium at $19.99 / $199.99 — the successor to the discontinued Copilot Pro — and Pro at $99.99 a month, monthly billing only.
Use tool ↗About Microsoft Copilot
Microsoft Copilot is the consumer assistant that signs in with a Microsoft account and runs in the browser, in Windows and Mac desktop apps, in iOS and Android apps and inside Edge. It answers questions with web-grounded search, drafts and rewrites text, generates images, reads uploaded files and photos, and carries one conversation across devices; the same brand name also fronts the Microsoft 365 Copilot that works inside Word, Excel, PowerPoint and Outlook on a paid subscription. The assistant itself is free with usage limits that depend on capacity, and higher limits, the Office-app integration and newer models come with a Microsoft 365 Personal, Family, Premium or Pro plan rather than a separate Copilot Pro, which Microsoft has stopped selling.
- API
- Not confirmed
- Last verified
- Oct 15, 2026
Verified sources
- copilot.microsoft.com now 301-redirects to copilot.com; the page offers chat, create, prompts, search, Windows and Mac downloads, App Store and Google Play apps, describes Copilot as free with a signed-in Microsoft account with a usage-limited free tier and paid plans; footer © Microsoft 2026 (15 October 2026)copilot.com ↗
- 'Microsoft offers a limited free version of Copilot subject to available capacity and limits'; Microsoft 365 Personal $9.99/month or $99.99/year, Family $12.99 / $129.99 with Copilot for the owner only, Premium $19.99 / $199.99, Pro $99.99 monthly only (15 October 2026)microsoft.com ↗
- Microsoft 365 Premium 'combines everything in our Microsoft 365 Family and Copilot Pro subscriptions' for $19.99 per month and replaces Copilot Pro (Microsoft blog of 1 October 2025, read 15 October 2026)microsoft.com ↗
Is Microsoft Copilot legit?
We don’t label tools safe or unsafe. Below are the records we checked ourselves, each with the date we read it.
- Domain registered
- May 2, 1991 (35 years ago)Registry record (RDAP), registrar MarkMonitor Inc., looked up Sep 6, 2026
- TLS certificate
- Issued by Microsoft Corporation, valid until Jan 21, 2027Seen in our own connection to the site on Oct 15, 2026
- Last checked
- Oct 15, 2026The site answered
- Operated by
- Microsoft Corporation, United StatesOur research, card verified Oct 15, 2026
Pros & cons of Microsoft Copilot
Copilot is the sensible default for people who live in Windows, Edge and Microsoft 365: it is already installed, it is free for ordinary use, and paying a Microsoft 365 subscription you may already have unlocks it inside Word and Excel. Judged purely as a chatbot it trails ChatGPT and Gemini on depth and features, so power users who are not tied to Office should pick on model quality, not on the taskbar button.
Pros
- Free tier with web-grounded answers, image generation, file and photo understanding
- Native apps on Windows, Mac, iOS and Android plus Edge, with one account carrying the conversation across them
- Upgrade path reuses Microsoft 365 plans most households already pay for, from $9.99 a month
- Clear consumer privacy and health-data policies published alongside the terms
Cons
- Free usage is explicitly capacity-dependent, so limits move without notice
- The Copilot name covers several different products, and the consumer one is the least capable
- Family plan grants the AI features to the subscription owner only, not to the other five members
- Copilot Pro was retired and folded into Microsoft 365 Premium, so older guides and price quotes are stale
Best for
- Windows and Edge users who want an assistant that is already there and costs nothing for everyday questions
- Microsoft 365 Personal or Family subscribers who want AI drafting inside Word, Excel, PowerPoint and Outlook
- Households and students who need grounded web answers and image creation without another subscription
Not for
- Developers — the consumer assistant has no API; Microsoft sells models through Azure instead
- People who want the strongest reasoning models or the richest project tooling, where ChatGPT and Gemini lead
Watch out: Do not look for Copilot Pro — Microsoft stopped selling it; the $19.99 Microsoft 365 Premium plan is the replacement, and the cheaper Personal plan already includes Copilot in the Office apps.
Alternatives to Microsoft Copilot
Microsoft Copilot head-to-head
Side-by-side fact sheets against the competitors our research or their makers name — pricing, platforms, API and both verdicts on one page.