Compare · Microsoft Copilot
Microsoft Copilot pricing in 2026: plans, tiers, and what the license does not cover
Microsoft Copilot pricing is confusing for one structural reason: Copilot is not a product, it is a family of separately licensed products that share a name. Microsoft 365 Copilot is a per-user add-on. Copilot Business is a bundled SMB tier. Copilot Chat is a free-with-eligible-subscription entry point. Copilot Studio is tenant-wide with a consumption meter. All four get called 'Copilot' in the same meeting, and the quotes come back wildly different.
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Here is the current shape, as of July 2026. Microsoft 365 Copilot, the full experience embedded in Word, Excel, PowerPoint, Outlook and Teams, is $30 per user per month on an annual commitment, and it requires a qualifying base Microsoft 365 plan underneath it. Copilot Business, the bundled option for smaller Microsoft 365 Business customers, moved to $21 per user per month from July 1, 2026, when the earlier $18 promotional rate ended. Copilot Chat is included at no extra cost with eligible subscriptions but is grounded on the open web rather than your tenant content. Copilot Studio, the agent builder, is licensed tenant-wide with Copilot Credit capacity packs at $200.00 per pack of 25,000 credits per month, or pay as you go on consumption. Microsoft also bundles Copilot into Microsoft 365 E7 at $99 per user per month.
What the seat price does not cover is the part that surprises buyers. A Copilot license reaches your Microsoft 365 tenant. It does not reach Slack, Notion, Google Drive, Gmail, Jira, Confluence or Salesforce, and getting it there means Copilot Studio work, Graph connectors, and someone to own both. If the reason you are buying Copilot is 'people cannot find answers,' price the whole path to that outcome, not the first line of the quote.
Microsoft Copilot is four separately priced products sharing one name. Microsoft 365 Copilot is $30 per user per month annually, Copilot Business is $21, Copilot Chat is included, and Copilot Studio meters Copilot Credits. None of them reach non-Microsoft apps without extra work. InSearch prices one per-seat number that covers every connected app.
Side by side
Microsoft Copilot vs InSearch, honestly
A fair look at what each does well. Both are capable tools. Here is where they differ.
| What matters | InSearch | Microsoft Copilot |
|---|---|---|
| Headline price | One transparent per-seat price covering every connected app | Microsoft 365 Copilot at $30 per user per month, annual commitment |
| Prerequisite license | None | Requires a qualifying Microsoft 365 base plan underneath the add-on |
| SMB tier | Same product, same price, any company size | Copilot Business at $21 per user per month from July 1, 2026, after the $18 promotional rate ended June 30 |
| Free tier | No free tier. A trial, then a seat | Copilot Chat included with eligible subscriptions, but grounded on the web rather than your tenant content |
| Agent building | Not applicable. Search works out of the box | Copilot Studio priced tenant-wide, $200.00 per 25,000 Copilot Credits per month, or pay as you go |
| Bundled suite option | Not applicable | Microsoft 365 E7 bundles Copilot at $99 per user per month |
| Non-Microsoft coverage | Slack, Notion, Drive, Gmail, Jira, Confluence and Salesforce included in the seat | Needs Graph connectors or Copilot Studio agents, built and maintained by you |
| What moves the bill | Seat count only | Seat count, base plan tier, credit consumption and connector engineering time |
Comparison reflects general, publicly understood positioning. Capabilities change, so check each product for the latest.
Why teams pick InSearch
One cited, permission-aware search across every app
Four products, one name
Microsoft 365 Copilot, Copilot Business, Copilot Chat and Copilot Studio price completely differently. Agree which one you are buying before comparing quotes.
The seat is a floor, not a total
A qualifying base plan sits underneath, credits meter on top, and non-Microsoft sources cost engineering time. The $30 line is where the cost starts.
Coverage is the real variable
If your knowledge lives across Slack, Notion and Google Drive as well as SharePoint, coverage decides whether the license produces answers or frustration.
Good questions
Microsoft Copilot vs InSearch, answered
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Find any answer at work with InSearch
One search across all your company apps, a clear cited answer, scoped to exactly what each person can see, and never trained on your data.
One search across every app · cited answers · permission-aware · never trains on your data