There is no separate Microsoft 365 Copilot Pro subscription anymore. Microsoft retired Copilot Pro, a $20 monthly add-on, and replaced it with Microsoft 365 Premium in October 2025. Premium bundles Copilot in the Office apps with 2 TB of shared storage, but only the subscription owner can use Copilot. Companies buy the paid versions of Copilot for work instead, a per-user license added to a qualifying Microsoft 365 business and enterprise plan.
What you’ll take from this
You will leave able to choose the right Copilot plan for your situation and put it to work, and the Microsoft Copilot Training program adds structure if you want it.
- Identify which plan replaced Copilot Pro
- Compare free Copilot, Personal, Family, Premium and Microsoft 365 Copilot
- Check what your Microsoft account already includes
- Cancel or switch a plan without paying twice
- Test Copilot on one real task before you commit
Is Copilot Pro still available, and which Microsoft Copilot plan replaced it?
Copilot Pro is no longer the individual plan to buy. Microsoft replaced it with Premium, which includes Copilot in Word, Excel, PowerPoint, Outlook and OneNote, 2 TB of shared storage and higher Copilot usage limits in one Microsoft 365 subscription. If your account still shows the old plan, open the billing page to see whether it has moved to Premium or will end.
Microsoft’s support page for Copilot in Microsoft 365 Personal, Family and Premium describes the current individual lineup. Premium is Microsoft’s premium AI subscription for individuals, so anyone who paid for both now weighs one plan instead of two.
How much does the Microsoft 365 Premium subscription cost?
Premium costs $19.99 per month in the US, close to the old Copilot Pro price but with the Office apps and 2 TB of shared storage included. It launched in October 2025. Prices differ by country and change over time, so confirm the figure on Microsoft’s plans page before you buy.
Microsoft 365 Personal and Family cost less than Premium and include Copilot AI features with tighter usage limits. Microsoft 365 Copilot for work is priced per user on top of your base license, so ask your IT team for the contract rate instead of relying on list prices.
Copilot vs Copilot Pro: how do the current plans compare?
That plan no longer exists on its own, so the current lineup has five tiers. Microsoft 365 Family and Personal add Copilot inside the Microsoft 365 apps with usage limits. Premium raises those limits and takes the place of the old plan. At work, Copilot Chat is free with a work account, while Microsoft 365 Copilot adds answers based on your work data for a per-user fee.
| Plan | Account type | What you get |
|---|---|---|
| Microsoft Copilot (free) | Personal Microsoft account | Chat assistant for everyday questions, drafting and brainstorming |
| Microsoft 365 Personal or Family | Personal Microsoft account | Office apps plus Copilot features with usage limits |
| Microsoft 365 Premium | Personal Microsoft account | Office apps plus higher Copilot limits, takes the place of the old individual add-on |
| Copilot Chat | Work or school account | Secure chat at no extra license cost |
| Microsoft 365 Copilot | Work or school account | Add-on license, answers tailored to the work data you can access |
Which AI features does Copilot in Microsoft 365 include, and what is Copilot Studio?
Copilot in Outlook drafts and summarizes email, Word rewrites a document, Excel analyzes tables, PowerPoint builds slides from a brief and OneNote organizes notes. Copilot in Microsoft apps runs on Windows, where you click the Copilot icon in each app to start. The phone app offers the same chat. Copilot Studio sits outside the plan table: it builds custom agents and is licensed separately.
At work, Microsoft Teams meetings are part of the data a Microsoft 365 Copilot license can draw on. It also reaches your emails in Outlook and files in OneDrive through Microsoft Graph, which is why it needs a business license.
How can you explore Copilot before you pay?
Start with the free options, because they cost nothing and show you the real quality of the answers.
To explore Copilot before you pay, try the free Microsoft Copilot mobile app, or Copilot Chat on a work account. Both work much like ChatGPT as a chatbot, so you can judge the artificial intelligence answers and check information privacy settings before upgrading.
Does an Office 365 personal plan include Copilot features in Microsoft 365?
Yes, in its current form, and Copilot works in the Microsoft 365 desktop apps on Windows. The Family and Personal plans include Copilot features with usage limits, and Microsoft rates them lower than Premium for audio, images, voice and vision. Upgrade to Premium only if you hit those limits. A one-time Office purchase is not a subscription, so check that page before you assume it includes Copilot.
How do you check which subscription you have?
The Services and subscriptions page shows the exact plan, its renewal date and the payment method. Menu labels change as Microsoft updates the page, so treat these steps as a guide.
- Sign in to your account in a browser.
- Open Services and subscriptions.
- Read the plan name: Personal, Family, Premium or a leftover Copilot Pro entry.
- Open the Copilot icon in Word and confirm the AI features appear.
How do you cancel a Copilot subscription?
Cancel from the same Services and subscriptions page by choosing Manage and then the cancel option. Note the end date Microsoft shows, because access normally continues until the paid period ends. If you subscribed through the Apple App Store, cancel or request a refund through Apple instead, because Apple handles those requests.
Switch first, cancel second. Confirm the new plan is active before you end the old one, so you never lose access mid-project.
Is the Microsoft 365 Premium subscription worth it?
It is worth it if you use Copilot in Word, Excel or Outlook most working days and keep hitting the limits of Personal or Family. For occasional use, free Copilot or an existing Personal or Family plan covers most needs, and paying more adds little.
Microsoft’s Work Trend Index 2025 includes the 2025 annual report “2025: The year the Frontier Firm is born” on how AI is changing work. It is Microsoft’s own research, so read its productivity claims as a signal and not as proof of your return.
Premium is a subscription, so you keep paying until you cancel. Run one test before you commit. Pick a task you repeat every week, time it with and without Copilot, and paste this prompt into Copilot in Excel on a real file.
Summarize this monthly sales table by region. Flag any month where revenue fell more than 10% against the previous month. Then write three sentences for a manager who has not seen the data.
Check every flagged figure against the spreadsheet yourself. Copilot can misread a column header or round a number, so the review stays with you. For a Word version of the same test, see how to draft and edit with Copilot in Word.
| Your situation | Plan to check first |
|---|---|
| Occasional questions, no Office apps needed | Free Microsoft Copilot |
| Light Copilot use in Word or Excel at home | Microsoft 365 Personal or Family |
| Daily heavy use on a personal account | Microsoft 365 Premium |
| Work account | Copilot Chat, then ask IT about Microsoft 365 Copilot |
| Paying for Copilot Pro and Personal together | Consolidate into one plan |
Frequently asked questions
These are the questions readers ask most often before they pay for a Copilot plan.
Can I still buy Copilot Pro?
No, not as the individual plan Microsoft used to sell. Microsoft retired Copilot Pro and points individual buyers to Premium. If your account still lists it, check your billing page for an end date or a move to Premium.
Is Microsoft 365 Copilot the same as Copilot Pro?
No. Copilot Pro was a consumer add-on for personal accounts. Microsoft 365 Copilot is a business license for work or school accounts that tailors answers to the work data and content you have access to, under your organization’s security and privacy controls. Different buyers, different admin controls.
What is the downside of using Copilot?
Three drawbacks matter in practice. Answers need human review because Copilot can be wrong or generic. Consumer plans have usage limits that heavy users may reach. At work, your company’s data rules decide what you may paste in, so check policy before uploading anything sensitive.
Which subscription do I need for Copilot at work?
You need Microsoft 365 Copilot, which requires a qualifying base plan, such as Office 365 E3, Microsoft 365 E5, Microsoft 365 Business Standard or Microsoft 365 Business Premium, plus the Copilot license. Copilot is always a separate license on top of the base plan. Your administrator assigns it, and a personal Premium subscription does not carry over to a work account.
Further reading
These official Microsoft pages cover plan contents, current pricing and the productivity survey cited above.
- Copilot plans for Personal, Family and Premium
- Copilot in Microsoft 365 plans for individuals
- Microsoft Work Trend Index
If you open Microsoft 365 every day, the Microsoft Copilot Training program from Founderz, developed in collaboration with Microsoft, teaches prompting, Copilot Chat, Microsoft 365 Copilot and no-code agents through short lessons, live masterclasses and practical exercises. It runs 24 hours online with 12 months of access, and you finish with the Microsoft + Founderz certification. You can request info or view the syllabus before you enroll.
