Microsoft Copilot
Microsoft Copilot is Microsoft's AI chat assistant for personal Microsoft accounts on the web, desktop and mobile; a beginner might try it for everyday questions, web-based answers, or asking about an uploaded file or image.
- Free plan
- Verified free plan
- Paid from
- Microsoft 365 Personal $9.99 / month
- Known for
- Copilot in Word, Excel, PowerPoint and Outlook, Cowork, Researcher
- Your data
- Not yet confirmed
What makes Microsoft Copilot different
Microsoft's assistant built into Word, Excel, PowerPoint and Outlook through Microsoft 365.
01
Copilot in Word, Excel, PowerPoint and Outlook
Copilot inside the Microsoft 365 apps drafts, rewrites, summarizes and analyzes your documents in place.
Use it for: Turning notes into a first draft in Word or a deck in PowerPoint.
How to start
- Open a document in Word with an eligible Microsoft 365 subscription
- Select the Copilot Dynamic Action Button in the corner of the document
- Type a prompt or choose a suggested action in the chat pane
On Microsoft 365 Personal, Microsoft 365 Family (subscription owner only), Microsoft 365 Premium, Microsoft 365 Prosupport.microsoft.comchecked 2026-10-1102
Cowork
Agent that carries out multi-step tasks: Office files, email, calendar and OneDrive; asks before sensitive actions. Preview.
Use it for: Emailing your team a summary of last week's results.
How to start
- Open Microsoft Copilot at m365.cloud.microsoft or in the desktop app
- Select Cowork in the top toggle
- Enter your request; approve sensitive actions when asked
On Microsoft 365 Premium, Microsoft 365 Promicrosoft.comchecked 2026-10-1103
Researcher
Agent for multistep research that delivers a structured report with cited sources.
Use it for: A sourced briefing report to share or turn into a presentation.
How to start
- Sign in to the Microsoft Copilot app
- Open Researcher under Agents
- Type a topic or question and answer any follow-up questions
On Microsoft 365 Premium, Microsoft 365 Prosupport.microsoft.comchecked 2026-10-1104
Copilot Notebooks
Workspace that gathers files, chats, pages and notes so Copilot answers and drafts from them.
Use it for: Collecting the material for one project and asking questions across it.
How to start
- Go to the Microsoft Copilot app at m365.cloud.microsoft
- In the left navigation, select Notebooks
- Create a notebook and add your files, pages and chats
On Microsoft 365 Personal, Microsoft 365 Family, Microsoft 365 Premium, Microsoft 365 Prosupport.microsoft.comchecked 2026-10-1105
Vision
During a voice chat, share your screen or phone camera and ask Copilot about what it sees.
Use it for: Getting step-by-step help with a screen you are looking at.
How to start
- Start a voice chat with Copilot from the chat box, the Copilot key or Win+C, or the mobile app
- Select the screen share arrow on desktop or the camera icon on mobile
- Ask about what you are sharing
On Microsoft 365 Personal, Microsoft 365 Family, Microsoft 365 Premiumsupport.microsoft.comchecked 2026-10-11
Comes with the same subscription
Limits
How much you can really use it, in the official pages' own words. Limits change often; check the date on each answer.
- Usage limitsHow much each plan lets you use it, in the official pages' own words.
- Feature limits per time period plus monthly AI creditssupport.microsoft.comchecked 2026-10-11
Plans: Microsoft 365 Personal, Microsoft 365 Family, Microsoft 365 Premium, Microsoft 365 Pro
- Signing in adds chat history, more image creation, longer conversations and longer voice sessionssupport.microsoft.comchecked 2026-10-11
- Context windowHow much text it can take in at once (a long document, a long chat).
- Not yet confirmed
Privacy and your data
What happens to what you type, upload or make, from the provider's privacy and terms pages. Business plans often differ; the plan is named under each answer.
- Used to train AIWhether what you type, upload or record is used to train or improve the provider's models by default.
- Not yet confirmed
- Can switch off trainingThere is a setting to stop your chats being used for training.
- Not yet confirmed
- How long data is keptHow long chats and files are kept, or how long deleted ones take to go, as the privacy pages state.
- Not yet confirmed
Cost
- Free planA free plan that is not time-limited. Trials are listed separately.
- Supportedmicrosoft.comchecked 2026-10-10
Copilot (free) plan
Plans
Copilot (free)
Free plan
Amount not confirmed. See official pricingMicrosoft 365 Personal
Paid, individual
- $9.99 / month
- $99.99 / year, annual commitment
Microsoft 365 Family
Paid, individual
- $12.99 / month
- $129.99 / year, annual commitment
Microsoft 365 Premium
Paid, individual
- $19.99 / month
- $199.99 / year, annual commitment
Microsoft 365 Pro
Paid, individual
- $99.99 / month
As shown on the official pricing page; may differ by region.
All features15 questions, each with its source and the date we checked it
AI models
- AI modelsThe AI models the official pages name for this product. Line-ups change often, so check the date.
- GPT-5support.microsoft.comchecked 2026-10-10
Input and output
- File uploadYou can give it files such as PDFs or documents.
- Supportedsupport.microsoft.comchecked 2026-10-10
All current plans
- Image inputYou can give it an image to describe or analyse.
- Supportedsupport.microsoft.comchecked 2026-10-10
All current plans
- Voice conversationTalk to it out loud and hear it answer.
- Supportedsupport.microsoft.comchecked 2026-10-11
Plan not specified
- Runs code and analyses dataRuns code to work with numbers, spreadsheets or charts, not only text.
- Supportedsupport.microsoft.comchecked 2026-10-11
Plan not specified
- Supportedmicrosoft.comchecked 2026-10-11
Plans: Microsoft 365 Premium, Microsoft 365 Pro
Checking facts
- Web searchIt can search the web while answering.
- Supportedsupport.microsoft.comchecked 2026-10-10
Plan not specified
- Deep researchA mode that searches many sources step by step and writes a report with citations.
- Supportedsupport.microsoft.comchecked 2026-10-11
Plans: Microsoft 365 Premium, Microsoft 365 Pro
Workflow
- PlatformsWhere the product is offered: web, desktop app, mobile app, or editor extension.
- Web, Desktop app, Mobile appcopilot.comchecked 2026-10-10
- MemoryRemembers things you told it in earlier chats.
- Supportedsupport.microsoft.comchecked 2026-10-11
Plan not specified
- ProjectsGroup chats and files for one piece of work, with their own instructions.
- Supportedsupport.microsoft.comchecked 2026-10-11
Plans: Microsoft 365 Personal, Microsoft 365 Family, Microsoft 365 Premium, Microsoft 365 Pro
- Custom assistantsMake your own assistant with fixed instructions and files, such as GPTs or Gems.
- Not yet confirmed
- Agent modeCan take actions for you in a browser or on a computer, such as filling in forms.
- Limitedsupport.microsoft.comchecked 2026-10-11
Plans: Microsoft 365 Premium, Microsoft 365 Pro · Region: US, Canada
Cowork for personal accounts is in Preview (same page). The AI credits page lists it for Premium and Pro only, currently in the US and Canada.
- Connects toApps and services it can read from or work in, as the official pages name them.
- OneDrive, Google Drivesupport.microsoft.comchecked 2026-10-11
Requirements
- AccountWhether you need to sign up before using it.
- Account required: the free tier needs a signed-in Microsoft accountcopilot.comchecked 2026-10-10
- Where it is availableCountries or regions where the provider says it can be used.
- Available in over 170 markets; not available or not supported in China (excluding Hong Kong SAR) and embargoed marketssupport.microsoft.comchecked 2026-10-10