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| Tier | Primary Audience | Key Features | Approx. Price (as of early 2026) | Key Limitations | | :--- | :--- | :--- | :--- | :--- | | | General public, personal use | Web chat, basic image generation, general Q&A | $0 | No integration with Microsoft 365 desktop apps (Word, Excel, etc.), no access to business data, may be slower during peak times. | | Microsoft 365 Premium | Power users, individuals, families | Full Microsoft 365 apps (Word, Excel, etc.), Copilot integration in those apps, priority access to latest AI models, more generative "boosts" | ~$20/month or $70-$100/year | Designed for personal/family use; no integration with business tools like Teams or SharePoint. Lacks admin controls for businesses. | | Microsoft 365 Copilot | Businesses and Enterprises | Deep integration across the entire Microsoft 365 ecosystem (Teams, Outlook, SharePoint, etc.), uses Microsoft Graph to understand your work context, enterprise-grade security and compliance | Starts at ~$30/user/month (as an add-on license) | Requires an enterprise base license; not available for individual consumer accounts. |
