Estimate your monthly Microsoft 365 license cost and your new Copilot Cowork spend in one place, at today’s prices or the July 1, 2026 rates. Built by On-Site Technology, a Microsoft 365 partner that helps businesses nationwide right-size and govern their Microsoft spend.
Estimate your monthly Microsoft 365 license cost and your new consumption-based Copilot Cowork spend in one place - at today's prices or the July 1, 2026 rates.
Pricing last updated: - - Microsoft list pricing
Pick your plan and how many users - or switch to Advanced to mix plans and add components.
Enter how many users get each add-on. Leave at 0 to skip.
Cowork runs on top of a Copilot license. Pick the Copilot plan and how many users are licensed, then how many of those will use Cowork - and split that group by worker type (Microsoft's Copilot Cowork usage model). Edit any cell.
Estimates all your Copilot users at this level. Switch to Advanced to split by role and tune prompts.
Light - Narrow context, lightweight model, 0-1 tool calls, minimal runtime; 0-1 deliverables.
Medium - Richer context, capable model, several tool calls, moderate runtime; 2+ outputs.
Heavy - Broad context aggregation, high-quality model, many tool calls, sustained runtime; many outputs.
Monthly cost to cover your estimated usage. "Best value" marks the cheapest at this volume; the annual pre-purchase needs a 1-year commitment.
or call (973) 777-7227
Microsoft 365 business plans currently range from $6 to $22 per user per month: Business Basic at $6, Business Standard at $12.50, and Business Premium at $22. Enterprise plans run higher, with Office 365 E3 at $23 and Microsoft 365 E5 at $57. On July 1, 2026, most plans rise between 5 and 16 percent. Adding Microsoft 365 Copilot is $30 per user per month on top of a qualifying base license, and the new Copilot Cowork bills separately for what you actually use.
Four things drive your bill: the base license you choose, optional per-user add-ons such as Microsoft Entra ID and Enterprise Mobility + Security, Copilot seats, and consumption-based Copilot Cowork usage. The calculator above lets you tune all four and see a live monthly and annual total, at current pricing or the July 1, 2026 rates. On-Site Technology delivers Microsoft 365 remotely to businesses across the United States, with the deepest engineering concentration in Northern NJ, the NYC metro, Pennsylvania, and South Florida.
Copilot Cowork is the part most pricing pages miss. It is billed by usage in Copilot Credits, starting at $0.01 per credit on a pay-as-you-go basis, with no commitment. A light user might spend a few thousand credits a month; a heavy user, far more. The tool estimates that spend from Microsoft’s published Copilot Cowork usage model so the number you see reflects real workloads, not a flat seat price.
On July 1, 2026, Microsoft raises list prices on most Microsoft 365 and Office 365 plans by roughly 5 to 16 percent. Existing customers move to the new rate at their first renewal after that date. Microsoft 365 Copilot and standalone Microsoft Teams are excluded from this increase.
Microsoft list prices, annual-commitment, US commercial. Source: Microsoft 365 packaging and pricing updates. Month-to-month billing without an annual commitment adds about 20%.
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: Business Basic, Standard, or Premium for most SMBs, or Office 365 and Microsoft 365 E3/E5 for larger or more regulated orgs.
Optional extras such as Microsoft Entra ID, Enterprise Mobility + Security, Microsoft Defender, and Purview, each priced per user per month.
Microsoft 365 Copilot at $30 per user, or Copilot Business at $21 for up to 300 users, layered on top of a qualifying base plan.
Consumption billing in Copilot Credits, from $0.01 per credit pay-as-you-go. Scales with how heavily each person actually uses Cowork.
Copilot is a per-seat license. Copilot Cowork is consumption billing that sits on top of it. Knowing which is which is the key to budgeting Microsoft’s AI accurately.
A fixed monthly license: $30 per user for Microsoft 365 Copilot, or $21 per user for Copilot Business (up to 300 users). It unlocks Copilot inside Word, Excel, Outlook, Teams, and the rest of the apps. You pay the same whether a person uses it once or all day.
Billed by what you consume, measured in Copilot Credits. The simplest path is pay-as-you-go at $0.01 per credit with no commitment. For steady, high-volume usage, Microsoft also offers a commit-for-a-discount option. The calculator estimates credits from light, medium, and heavy prompt activity per worker type.
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 ($6), Standard ($12.50), and Premium ($22). 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/E5 and Microsoft 365 E3/E5. Choose these for unlimited scale, advanced compliance, and the full Microsoft Defender and Purview stack. E5 bundles the most security and analytics.
Microsoft 365 F1 ($2.25) and F3 ($8) for frontline workers who mainly need Teams, email, and lightweight apps on shared or mobile devices.
Donated and discounted nonprofit SKUs, plus Office 365 and Microsoft 365 Government (GCC) plans. The calculator includes both so eligible orgs see real pricing.
The annual-commitment price is Microsoft’s list rate. Paying month-to-month with no annual commitment keeps you flexible but costs more: Microsoft applies roughly a 20% uplift on most plans. On Business Standard, that turns $12.50 per user into about $15 if you go monthly. The Copilot seat uplift is smaller, around 5%.
For a 25-person team on Business Premium, the annual route is $22 per user, about $6,600 a year. The same team month-to-month runs closer to $7,900 a year for the flexibility. Toggle the Billing term 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 monthly 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. We deliver Microsoft 365 remotely to businesses across the United States, with deep engineering bench 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 is consumption-billed and easy to overspend. We set guardrails, monitor credit burn, and keep your AI bill predictable.
We model your renewal against the July 1, 2026 rates and time commitments to lock in today’s pricing where it makes sense.
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 and a few Copilot seats. See the all-in monthly number before you commit.
Modeling Microsoft 365 E3/E5 with Defender and Purview for compliance-driven environments.
Comparing donated Business Basic against discounted Standard, Premium, and E-plans.
Pricing Office 365 and Microsoft 365 Government plans that mirror their commercial twins.
Microsoft 365 business plans range from $6 to $22 per user per month: Business Basic at $6, Business Standard at $12.50, and Business Premium at $22. Enterprise plans run from Office 365 E1 at $10 up to Microsoft 365 E5 at $57. These are annual-commitment list prices; paying monthly adds about 20%. The calculator above totals your exact mix across every plan, add-on, and Copilot seat.
Microsoft announced a packaging and pricing update that raises list prices on most Microsoft 365 and Office 365 plans by roughly 5 to 16 percent, effective July 1, 2026. Business Basic moves from $6 to $7, Office 365 E3 from $23 to $26, and Microsoft 365 E5 from $57 to $60. Existing customers move to the new rate at their first renewal after that date.
Microsoft 365 Copilot is $30 per user per month on an annual commitment, layered on top of a qualifying base license such as Business Standard or Microsoft 365 E3. Copilot Business is $21 per user for organizations up to 300 users. Copilot seats are excluded from the July 2026 price increase. Copilot Cowork usage is billed separately on top of the seat.
Copilot Cowork is Microsoft’s agentic AI that runs longer, multi-step tasks on your behalf. It bills by consumption in Copilot Credits rather than a flat seat fee. The simplest option is pay-as-you-go at $0.01 per credit with no commitment, so you only pay for what your team actually runs. For steady, high-volume usage, Microsoft also offers a commit-for-a-discount path. The calculator estimates your monthly credits and cost.
Copilot Credits are the unit Cowork is metered in. Microsoft models usage as light, medium, and heavy prompts, with defaults of roughly 125, 500, and 1,200 credits per prompt. A light user might spend a few thousand credits a month and a heavy user many times that. You do not have to guess: the calculator translates worker types and activity levels into an estimated monthly credit total and dollar figure.
Business plans (Basic, Standard, Premium) are capped at 300 users and are the best value for most small and mid-size companies. Enterprise plans (Office 365 and Microsoft 365 E3/E5) have no user cap and add advanced security, compliance, and analytics through the full Microsoft Defender and Purview stack. Most organizations under 300 users start with Business Premium and move to E3 or E5 only when compliance or scale requires it.
Annual is cheaper. The annual-commitment price is Microsoft’s list rate, while month-to-month billing with no annual commitment adds roughly 20% on most plans. On Business Standard that is about $12.50 versus $15 per user. Monthly billing is worth the premium only for seasonal or contract staff you may remove mid-year. The calculator’s Billing term toggle shows the difference for your headcount.
No. Microsoft 365 Copilot, Copilot Business, and standalone Microsoft Teams SKUs are excluded from the July 1, 2026 increase. The increase applies to most Microsoft 365 and Office 365 suites, including Business Basic and Standard, the Office 365 E-plans, the Microsoft 365 E-plans, and the frontline F-plans. Switch the calculator’s Pricing toggle to compare current and July 2026 totals side by side.
Yes. Microsoft offers donated and discounted plans to eligible nonprofits, including free Business Basic and reduced rates on Standard, Premium, and the E-plans. Government agencies use Office 365 and Microsoft 365 Government (GCC) plans that track their commercial equivalents. The calculator includes both the Nonprofit and Government plan groups so eligible organizations see accurate pricing rather than commercial list rates.
License, add-on, and Copilot figures are Microsoft list prices, verified against Microsoft’s official pricing-update table for both current and July 1, 2026 rates. The Copilot Cowork estimate is directional, based on Microsoft’s published usage model, because real credit spend varies by task. Treat the license total as precise and the Cowork figure as a well-grounded planning estimate. For a binding quote, On-Site Technology will review your tenant.
Yes. On-Site Technology is a Microsoft 365 partner that provisions, migrates, secures, and supports Microsoft 365 for businesses nationwide. Because the work is delivered remotely, we serve clients across the United States, with the deepest engineering concentration in Northern NJ, the NYC metro, Pennsylvania, and South Florida. We can take over an existing tenant or stand up a new one, and align your licensing to the plan the calculator suggests.
Yes. We handle Copilot readiness, data-access cleanup so Copilot only surfaces what it should, seat assignment, and user enablement. For Copilot Cowork, we set spending guardrails, monitor Copilot Credit consumption, and tune which teams get heavy versus light access, so your AI investment stays predictable. Run your numbers in the calculator above, then send them to us through the form on this page for a tailored rollout plan.
Send us your calculator results and we will map them to the right plans, flag where the July 2026 increase affects you, 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