Microsoft 365 Copilot is $30 per user per month, or $21 for Copilot Business, and Copilot Cowork runs on Copilot Credits at $0.01 each. Price your Microsoft 365 plans, Copilot seats and Cowork credits in one estimate at Microsoft’s October 2026 list prices. Built by On-Site Technology, a Microsoft 365 partner that helps businesses nationwide right-size and govern their Microsoft spend.
Price Microsoft 365 plans, Microsoft 365 Copilot seats and Copilot Cowork credits in one estimate, at Microsoft’s US list prices.
Prices verified October 2026 · Microsoft US list pricesPick your plan and user count. Switch to Advanced to mix plans and add security add-ons.
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Copilot is a per-user seat. Cowork, Microsoft’s agent that carries out multi-step work, is billed in Copilot Credits on top of the seat.
Copilot licenseor call (973) 777-7227
License, add-on and Copilot figures are Microsoft US list prices. Government (GCC) figures are estimates. Cowork is a planning estimate from Microsoft’s Copilot Credit planning model; real use varies by task. Partner pricing and promotions can differ.
As of October 2026, Microsoft 365 Copilot costs $30 per user per month on an annual commitment, and Copilot Business costs $21 for organizations of up to 300 users. Both sit on top of a Microsoft 365 plan, from Business Basic at $7 to Microsoft 365 E5 at $60. Business Standard and Business Premium with Copilot bundle the two for $23.50 and $32, and Microsoft 365 E7 includes Copilot at $99. Cowork bills separately in Copilot Credits at $0.01 each.
Four things drive the bill: the base plan, per-user add-ons such as Microsoft Entra ID and the Defender and Purview suites, Copilot seats, and Copilot Cowork credits. The calculator above prices all four on three billing terms and flags bundles and promotions you qualify for. Microsoft 365 licensing and Copilot planning is delivered remotely to businesses across the United States, with deepest engineering capacity in Northern NJ, the NYC metro, Pennsylvania, and South Florida.
Most of these prices changed on July 1, 2026, when Microsoft raised Business Basic, Business Standard and the Enterprise plans while holding Business Premium at $22. Our Microsoft 365 price increase breakdown covers that change plan by plan. Cowork is the part most pricing pages miss: it is billed per task, so the calculator estimates it from Microsoft’s own Copilot Credit planning model, shown in the Copilot Credits table below.
Microsoft estimates Cowork usage per worker type, per working day. Multiply by your users and 22 working days for a monthly budget, or let the calculator above do it.
Source: Microsoft’s Copilot Credit planning model and Copilot Credits Guide, October 2026. Monthly figures use Microsoft’s 22 working days and the $0.01 pay-as-you-go rate. Light use is a couple of times a week, medium a few times a week with mixed tasks, heavy is daily and mostly complex work.
Microsoft’s October 2026 guide puts a single light Cowork task, such as a weekly status summary, at 100 to 300 credits, a medium task at 300 to 700 and a heavy task above 700. Its planning model assumes a standard split of 40% light, 40% medium and 20% heavy users, which is the calculator’s Mixed setting.
Credits cost $0.01 each pay-as-you-go. Monthly packs of 25,000 for $200 bring the rate to $0.008, and an annual pre-purchase plan takes 5% to 20% off from 300,000 credits a year. Admins can cap credits per user; new Copilot Business purchases through Microsoft partners default to a 4,000-credit monthly limit from December 1, 2026. The same Copilot Credits also pay for Copilot Studio agents.
Microsoft’s current US list price for each plan the calculator uses, what it was before the July 1, 2026 increase, and what the same plan costs without an annual commitment.
Microsoft US list prices, checked October 8, 2026. The without-Teams column is the annual price of the edition sold without Microsoft Teams. Paying monthly on an annual commitment adds 5%. Copilot Business is $18 for the first year on annual plans bought by December 31, 2026. Microsoft lists Microsoft 365 Copilot and E7 on annual commitments only. *Microsoft’s storefront lists month-to-month prices for the Copilot bundles, while its Copilot Business FAQ describes annual commitments only.
Your monthly cost is the sum of four line items. The calculator separates them so you can see exactly where the money goes.
Your core suite, from Business Basic at $7 to Microsoft 365 E7 at $99. Most SMBs land on Business Standard or Premium; larger or regulated organizations use Office 365 or Microsoft 365 E3 and E5.
Microsoft Entra ID, Enterprise Mobility + Security, and the Defender and Purview suites, which cost $10 each for Business Premium and $12 each for E3.
Microsoft 365 Copilot at $30 per user, or Copilot Business at $21 for up to 300 users. The Copilot bundles and Microsoft 365 E7 include a seat.
Billed per task in Copilot Credits: $0.01 each pay-as-you-go, $200 per 25,000 in monthly packs, or 5% to 20% off with an annual pre-purchase.
Copilot is a per-seat license. Copilot Cowork is usage billing that sits on top of it. Budgeting Microsoft’s AI accurately starts with knowing which is which.
A fixed monthly license: $30 per user for Microsoft 365 Copilot, or $21 for Copilot Business at up to 300 users. It puts Copilot inside Word, Excel, Outlook, Teams and the other apps, and costs the same whether a person uses it once or all day.
Generally available since June 16, 2026 and billed per task in Copilot Credits. Pay-as-you-go is $0.01 a credit, monthly packs bring it to $0.008, and an annual pre-purchase plan takes 5% to 20% off by volume. Admins turn Cowork on and can cap credits per user.
Most organizations of 10 to 500 users land on a Business or Enterprise plan. Here is the quick decision framework the calculator is built around.
Business Basic ($7), Standard ($14) and Premium ($22), plus Standard and Premium with Copilot ($23.50 and $32). Premium adds Entra ID P1, Intune and Defender for Business, the right fit for most SMBs that want security built in.
Office 365 E1, E3 and E5 and Microsoft 365 E3, E5 and E7. Choose these for unlimited scale, advanced compliance and the full Defender and Purview stack. E7 ($99) adds Microsoft 365 Copilot, Agent 365 and Microsoft Entra Suite to E5.
Microsoft 365 F1 ($3) and F3 ($10) for frontline workers who mainly need Teams, email and lightweight apps on shared or mobile devices.
Donated and discounted nonprofit plans, plus Office 365 and Microsoft 365 GCC plans for government. GCC figures in the calculator are estimates, because Microsoft does not publish GCC list prices.
Microsoft prices every plan three ways. An annual commitment paid upfront is the list price. Paying monthly on the same annual commitment adds 5%, a rule Microsoft has applied since April 2025. A month-to-month subscription you can cancel adds 20%. On Business Standard that works out to $14.00, $14.70 or $16.80 per user per month.
For a 25-person team on Business Premium, the annual plan paid upfront is about $6,600 a year. Paying monthly on the annual plan is about $6,930, and month-to-month runs about $7,920 for the flexibility. Microsoft lists Microsoft 365 Copilot and Microsoft 365 E7 on annual commitments only. Use the Billing control in the calculator to see the gap for your own headcount. On-Site Technology can structure a mix, annual for your stable core and month-to-month for seasonal or contract staff, so you are not overpaying for either.
A calculator gives you a number. On-Site Technology turns it into a licensing plan that fits how your people actually work, delivered remotely to businesses across the United States, with deepest engineering capacity in Northern NJ, the NYC metro, Pennsylvania, and South Florida.
We map users to the lowest plan that still covers their needs, so you are not paying E5 prices for frontline staff or Premium for a kiosk.
Cowork bills per task and is easy to overspend. We set spending policies and per-user credit limits, monitor credit burn and keep your AI bill predictable.
We line up renewals, bundle switches and offers such as the $18 Copilot Business price so you pay the lowest price your mix qualifies for.
Licensing, migration, security and support from a single Microsoft 365 partner, delivered nationwide without an on-site dependency.
The tool covers every Microsoft 365 buyer profile, from a lean startup to a regulated mid-market firm.
Mixing Business plans with Copilot seats or the Copilot bundles. See the all-in monthly number before you commit.
Modeling Microsoft 365 E3 or E5 with the Defender and Purview suites for compliance-driven environments.
Comparing the free Business Basic grant against discounted Standard, Premium and the E-plans, plus Copilot at the nonprofit price.
Estimating Office 365 and Microsoft 365 GCC plans before OST quotes exact government pricing.
As of October 2026, Microsoft 365 Business Basic is $7, Business Standard is $14 and Business Premium is $22 per user per month on an annual commitment. Enterprise plans run from Office 365 E1 at $10 to Microsoft 365 E5 at $60, and Microsoft 365 E7, which includes Copilot, is $99. Month-to-month billing adds 20%, and paying monthly on an annual plan adds 5%. The calculator above totals your exact mix of plans, add-ons, Copilot seats and Cowork credits.
Yes. On July 1, 2026 Microsoft raised most Microsoft 365 and Office 365 list prices: Business Basic went from $6 to $7, Business Standard from $12.50 to $14, Microsoft 365 E3 from $36 to $39 and Microsoft 365 E5 from $57 to $60, while Business Premium stayed at $22. Existing customers move to the new price at their first renewal after that date. As of October 8, 2026, Microsoft has announced no further US price increase for Microsoft 365 suites. The next dated changes are a Copilot Business billing default on December 1 and December 31, 2026, the last day to buy Copilot Business at the $18 first-year price. Our Microsoft 365 price increase breakdown covers the July changes plan by plan.
Microsoft 365 Copilot is $30 per user per month on an annual commitment, or $31.50 if you pay monthly. It works with almost every Microsoft 365 and Office 365 plan, including Business, Enterprise, Frontline and Exchange Online plans. Copilot Business is $21 per user for organizations with up to 300 users on Business Basic, Standard, Premium or Microsoft 365 Apps for business, and Microsoft prices it at $18 for the first year on annual plans bought by December 31, 2026. Nonprofits pay $25.50 for Microsoft 365 Copilot. Microsoft began calling the product Microsoft Copilot in August 2026.
Not the full version. Eligible Microsoft 365 plans include Copilot Chat at no extra cost, with standard access. Microsoft 365 Copilot inside Word, Excel, Outlook and Teams is a paid add-on at $30 per user per month, or $21 for Copilot Business. Copilot is included only in Business Standard with Copilot ($23.50), Business Premium with Copilot ($32) and Microsoft 365 E7 ($99). Copilot Cowork is billed separately in Copilot Credits on every plan.
Usually, yes. Since July 1, 2026 Microsoft sells Business Standard with Copilot at $23.50 and Business Premium with Copilot at $32 per user per month on an annual commitment. Both include Copilot Business and stop at 300 users. Bought separately, Business Premium plus Copilot Business is $43, so the bundle saves $11 per user per month at list price. The calculator flags the saving when your plan and Copilot seats qualify.
Copilot Cowork is Microsoft’s agentic Copilot experience that plans and carries out multi-step work across your apps, such as building a client briefing from email, files and meeting notes. It became generally available on June 16, 2026. Cowork needs a Microsoft 365 Copilot or Copilot Business seat, and every task is billed in Copilot Credits on top of that seat. Credits cost $0.01 each pay-as-you-go, $200 for a monthly pack of 25,000, or 5% to 20% less through an annual pre-purchase plan, depending on volume.
Microsoft’s planning model estimates Cowork use per worker type per working day. A corporate knowledge worker uses about 100 to 280 credits a day at light use and 400 to 700 at heavy use, while a heavy customer-facing worker can reach 1,800, and Microsoft assumes 22 working days a month. Its October 2026 guide puts a light task at 100 to 300 credits, a medium task at 300 to 700 and a heavy task above 700. The calculator applies those ranges to your users and shows a low, middle and high estimate.
Business plans (Basic, Standard, Premium and the Copilot bundles) are capped at 300 users and are the best value for most small and mid-size companies. Enterprise plans (Office 365 E1, E3 and E5 and Microsoft 365 E3, E5 and E7) have no user cap and add advanced security, compliance and analytics through Microsoft Defender and Purview. Most organizations under 300 users start with Business Premium and move to E3 or E5 when compliance or scale requires it. Business Premium customers can also add Microsoft’s Defender and Purview suites for $10 each.
Annual billing paid upfront is cheapest. Microsoft charges 5% more when you pay monthly on an annual commitment, and 20% more for a month-to-month subscription you can cancel. On Business Standard that is $14.00, $14.70 or $16.80 per user per month. Month-to-month makes sense only for seasonal or contract staff you may remove mid-year. Microsoft lists Microsoft 365 Copilot and Microsoft 365 E7 on annual commitments only.
Yes. Eligible nonprofits get Business Basic free for up to 300 users and up to 75% off other plans, such as Business Premium at $5.50 and Microsoft 365 E3 at $9.75 per user per month, plus Microsoft 365 Copilot at $25.50. The free Business Premium grant ended in 2025. Government agencies use Office 365 and Microsoft 365 GCC plans. Microsoft does not publish GCC list prices, so the calculator shows GCC figures as estimates and OST quotes exact pricing.
License, add-on and Copilot figures are Microsoft’s US list prices as published on microsoft.com and checked on October 8, 2026, except government (GCC) plans, which are estimates. The Copilot Cowork figure is a planning estimate built on Microsoft’s Copilot Credit planning model, because real credit use depends on the tasks people run. Treat the license total as precise and the Cowork range as a budget guide. Partner pricing and promotions can differ, so OST confirms the final numbers against your tenant.
Yes. Microsoft 365 licensing, migration, security and Copilot planning are delivered remotely to businesses across the United States, with deepest engineering capacity in Northern NJ, the NYC metro, Pennsylvania, and South Florida. On-Site Technology provisions, secures and supports Microsoft 365 tenants for organizations of 10 to 500 users, and handles Copilot readiness, seat assignment and Cowork spending limits. We can take over an existing tenant or set up a new one aligned to the plan the calculator suggests.
Use “Send this estimate to OST” in the calculator and your numbers land in the message box below. We will map them to the right plans, check the bundles and promotions you qualify for, and prepare a tailored Microsoft 365 and Copilot quote. We typically respond within one business day. Or call (973) 777-7227.
Microsoft 365 licensing, migration, and support delivered remotely to businesses nationwide
On-Site Technology · (973) 777-7227 · Microsoft 365 partner