Microsoft’s work pages describe Copilot as chat and multi-step Cowork on your content, inside Word, Excel, PowerPoint, Outlook, and Teams. Work IQ is the grounding layer. Cards list individual, business, add-on, and enterprise prices. A one-month trial requires a card and then becomes paid.
Official website · copilot.microsoft.com
Microsoft Copilot fits a team already in Word, Excel, PowerPoint, Outlook, and Teams that wants the assistant in those apps. The work page separates Chat, a Cowork handoff, Code for a described dashboard or tracker, and Autopilot as a cloud-hosted agent. Business cards name Work IQ, 1 TB of storage, and identity management for up to 300 users. It is a weak fit if you need a no-card free plan. The pricing notes describe a one-month trial that converts to paid, and a credit card is required to sign up. Several cards also say the product is not available in your market.
Copilot connects with your work content and the apps you already use, bringing together the latest AI models to help you create finished work, not just answers. Home is your starting point in Copilot, bringing Chat and Cowork together in one place. From there you review recent activity or start something new. Use Chat for answers grounded in your work, or hand off complex, multi-step work to Cowork across your apps, data, and workflows. Home view is available in Microsoft Frontier. The Frontier label means the page does not say every account sees Home. A Cowork page adds the English lines Delegate real work to Copilot Cowork and Walk into every customer meeting fully briefed. The English work page already defines the handoff and does not list inbox steps.
Official documentationCopilot Code is a build path. No coding experience needed. Describe the dashboard, tracker, or app you want, and Copilot builds it with the power of code. That path is marked Available in Microsoft Frontier. Autopilot is your always-on personal agent with its own identity, memory, and access to tools. It is cloud-hosted, and keeps work moving in the background, using Microsoft 365 and Work IQ to take action within the guardrails you and your organization set. Available in Private Preview. A third path is Agent Builder: Turn your expertise into personalized, work-grounded agents in minutes using natural language with Agent Builder in Copilot. Extend and manage them with Copilot Studio when you're ready to scale. The page does not price Studio credits.
Official documentationCopilot is integrated into Word, Excel, PowerPoint, Outlook, and Teams, where your work already happens. The pricing page adds AI-powered chat connected to your work data and access to reasoning AI for research and data analysis. Work IQ grounds Copilot in your company, your team’s roles, and the context behind your projects. Focus on the work, not the model. Auto weighs accuracy, speed, and cost for each request, helping determine the right model and effort for the task at hand. Work with Copilot across desktop, mobile, and web using voice, keyboard, or pen. A later line says Copilot will also help orchestrate work across Chat, Cowork, and Code, framed as looking ahead rather than as a control that is on today.
Official documentationCopilot is designed to be secure and private, built on the trusted Microsoft 365 foundation your organization already uses. Enterprise-grade controls protect your data, people, and business, while keeping work and personal accounts separate. That paragraph does not name a retention period or a certification. Privacy and Terms of use are footer links only. Premium lists advanced identity and access management for up to 300 users, 1 TB of cloud storage per user, and apps including Loop, Clipchamp, Bookings, Planner, and Forms. Standard says identity and access management for up to 300 users, without the word advanced. Both cards say this product is not available in your market.
Official documentationUses Chat on Home when that view is available. Ask for an answer grounded in your work, and move to Cowork only when the job is multi-step across apps, data, and workflows. If the result should land in a file, the suggested follow-up is Copilot in Word, Excel, PowerPoint, Outlook, or Teams. Work IQ is the named context layer.
A suggested Code path uses the page’s examples: describe the dashboard, tracker, or app you want. No coding experience is required on that line, and the control is marked Microsoft Frontier, so it may be hidden outside that program. For work that should continue in the background, Autopilot is the other agent, marked Private Preview, and limited to guardrails you and your organization set.
A suggested buying pass matches the card name to the amount. For individuals is $9.99 /month. Microsoft 365 Business Standard with Copilot is $23.50 user/month, paid yearly. Premium is $32.00 user/month, paid yearly. Microsoft 365 Copilot Business is originally starting from $21.00 now starting from $18.00. For enterprise is $30.00 user/month, paid yearly and names Copilot Studio. Then read the footnotes. An annual commitment is required, and promotional pricing applies to the first year only. The trial converts to a paid subscription, a card is required, and canceling during the trial stops future charges. Cards also say the product is not available in your market.
Use Open Copilot or Download the app from the work page. Home, Code, and Autopilot are separate tabs there.
Use Chat for a grounded answer, hand multi-step work to Cowork, or describe a dashboard, tracker, or app for Code.
For a document, spreadsheet, deck, mailbox, or meeting, use the Copilot the page places in Word, Excel, PowerPoint, Outlook, or Teams.
If you try a paid card, note the required card, the one-month trial that converts to paid, and any not-available notice.
Amounts are from the public English work page and business pricing page. For enterprise on the work page is $30.00 user/month, paid yearly. A China-storefront capture shows different yuan figures and is not this list.
Copilot with productivity apps and cloud storage.
$9.99.
/month.
Apps across devices with Copilot built in.
$23.50.
User/month, paid yearly.
Productivity plus the advanced security bundle.
$32.00.
User/month, paid yearly.
An add-on on an existing Microsoft 365 plan.
$18.00.
User/month, paid yearly.
After your one-month free trial ends, your subscription will automatically convert to a paid subscription. A credit card is required to sign up. Cancel anytime during your free trial to stop future charges. An annual commitment is required, and promotional pricing applies to the first year only. This product is not available in your market appears on public cards, so confirm checkout in your own market.
The work is not tied to Microsoft 365 files or apps.
Choose ChatGPT when you want a standalone assistant instead of Copilot’s path through Word, Excel, PowerPoint, Outlook, Teams, and Work IQ.
The usable English pages describe a one-month free trial, not an ongoing free tier. After the trial, the subscription converts to a paid subscription. A credit card is required to sign up, and canceling during the trial stops future charges. Try for free appears on the business cards next to Buy now.
SourceThe card title is Microsoft 365 Copilot Business. The line under it says AI built for work to help drive productivity, clarity and impact across your existing Microsoft 365 experience. A nearby label says add on to your Microsoft 365 plan. The page does not, in the public text, list a credit balance for that add-on.
SourceThe work page says Copilot is integrated into Word, Excel, PowerPoint, Outlook, and Teams. Business cards also name OneNote, Loop, Clipchamp, OneDrive, and SharePoint. A formula editor is not described.
SourceWork IQ grounds Copilot in your company, your team’s roles, and the context behind your projects. The For business line at $23.50 pairs Work IQ with apps and security. The FAQ heading asks how it works, and that answer is not.
SourceCode is marked Available in Microsoft Frontier. Autopilot is marked Available in Private Preview. Home view is also marked Microsoft Frontier. The pages do not say how to join either program, and they do not say a paid business card removes those labels.
SourceThe work page says Copilot is secure and private on the Microsoft 365 foundation, with enterprise-grade controls and separate work and personal accounts. Privacy and Terms of use are footer links only.
SourceSeveral public price cards say this product is not available in your market. The dollar amounts are the page text. The pages do not list excluded countries.
SourceOct 6, 2026 · NavHunt editorial
NavHunt did not run Microsoft Copilot, did not sign in, and did not start a trial. Prices and controls come from Microsoft pages reviewed on 2026-10-06. Market availability was not checked in an account. This description is based on Microsoft Copilot's official materials reviewed on 2026-10-06.
The business pricing page shows a one-month trial, a required card, and a market-availability notice.