Microsoft Copilot

Microsoft AI assistant for chat, research, creation and work across Microsoft 365

Research-based score

4.8

Tested

Features and capabilities4.9

Current Microsoft sources verify web and work-grounded chat, Microsoft 365 app integration, voice, vision, agents, Work IQ, Researcher, Analyst, Facilitator and model choice.

Usability and implementation4.8

Copilot is embedded in familiar Microsoft surfaces and the new Copilot app adapts to personal versus work accounts, though capabilities differ materially by license and account type.

Pricing and value transparency4.1

Free access and personal Microsoft 365 prices are public, and business Copilot pricing is published, but the product family spans personal subscriptions, business add-ons and bundles rather than one simple price.

Integrations, security and trust5.0

Microsoft documents enterprise data protection, tenant isolation, Microsoft 365 permissions, encryption, GDPR/EU commitments and no foundation-model training on organizational prompts, responses or Graph data.

Scored by Aditya Verma

Quick facts

Vendor: Microsoft Corporation
Pricing model: freemium
Plan pricing: Free Copilot access; Microsoft 365 Personal is INR 689/month in India
Free plan: Yes — check limits
Free trial: Not confirmed
Last verified: 9/24/2026

About Microsoft Copilot

Microsoft Copilot is Microsoft's AI assistant for personal and work use. It provides web-grounded chat, voice, vision, image creation and research, while licensed work accounts add Microsoft 365 grounding through Word, Excel, PowerPoint, Outlook, Teams and organizational data. Microsoft renamed the Microsoft 365 Copilot app to Microsoft Copilot in 2026, so current packaging spans free consumer access, Microsoft 365 personal plans and business Copilot licenses.

Best for

Individuals and organizations already using Microsoft products who want AI chat, research and creation connected to Microsoft 365 applications and, for work accounts, organizational data.

Microsoft Copilot pros and cons

Pros

Copilot is deeply integrated into Microsoft 365, so licensed work users can work with authorized email, documents, meetings and chats without manually moving context into another assistant.
The current Copilot experience includes voice and vision, allowing users to speak naturally and ask questions about a shared screen or mobile camera feed.
Business Copilot adds Work IQ, advanced research and analysis, model choice and pre-built agents such as Researcher, Analyst and Facilitator.
Personal Microsoft 365 plans bundle Copilot with Word, Excel, PowerPoint, Outlook, storage and device access instead of selling AI as an isolated subscription.
Microsoft provides mature enterprise data protection: organizational prompts, responses and Microsoft Graph data are not used to train foundation models.

Cons

−Copilot packaging is complicated because free consumer access, Microsoft 365 Personal, Family, Premium, Pro and business Copilot licenses all provide different AI limits and entitlements.
−The strongest work-grounded capabilities require the correct Microsoft 365 and Copilot licenses and are not equivalent to the free personal assistant.
−Generative answers can still be inaccurate, and Microsoft explicitly recommends checking facts before making decisions or taking action.
−Vision and some agentic features have capacity, language, geography or license restrictions and may roll out gradually.
−The G2 Microsoft seller profile lists 431 Microsoft Copilot reviews but does not expose a product-specific rating in the retrieved result, so SearchSagar does not reuse Microsoft's broader seller average as a Copilot rating.

Features

Facilitator

Eligible business Copilot plans · Teams and account requirements apply.

Copilot Chat

Free and paid with different grounding and limits · Work grounding requires the correct organizational license and permissions.

Agents and Copilot Studio

Business Copilot and Copilot Studio scenarios · Some agent usage is metered or requires Azure and additional licensing.

Work IQ

Microsoft Copilot for work · Requires organizational data and permissions.

Image Creation

Free and Microsoft 365 consumer plans · Usage limits vary by subscription.

Analyst

Eligible business Copilot plans · Requires supported data and license access.

Copilot Vision

Available on eligible Copilot experiences · Vision works during voice conversations and cannot directly manipulate the screen.

Copilot Voice

Current Copilot experience with account-dependent limits · Language support and usage capacity vary.

Microsoft 365 App Integration

Eligible Microsoft 365 Personal and business plans · Capabilities vary by subscription and application.

Researcher

Eligible business Copilot plans · Availability and usage can vary by license.

Platforms

AndroidWindowsWebiOSmacOS

Integrations

Microsoft PowerPoint Microsoft Excel SharePoint Microsoft Teams Microsoft Word OneDrive Microsoft Outlook

Pricing

Copilot Free

Free

INR 0.00/month with annual billing

Free Microsoft Copilot access for general personal chat and creation. Limit: Lower usage than paid consumer plans Limit: No full Microsoft 365 work grounding Billing unit: per user Minimum seats: 1

Microsoft 365 Personal

INR 689.00/month

INR 574.92/month with annual billing

Consumer productivity subscription with Microsoft 365 apps, 1 TB storage and higher Copilot usage. Limit: For one person Limit: Consumer rather than enterprise data grounding Billing unit: per user Minimum seats: 1 Minimum commitment: Monthly or annual

Microsoft 365 Family

INR 819.00/month

INR 683.25/month with annual billing

Family Microsoft 365 subscription for up to six people, with AI benefits primarily for the subscription owner. Limit: AI benefits are primarily for the subscription owner Billing unit: per subscription Minimum seats: 1 Minimum commitment: Monthly or annual

Microsoft 365 Premium

INR 1,666.58per month, billed annually

Higher-end consumer plan with extensive Copilot usage and agentic research and analysis. Limit: Annual price verified; monthly equivalent is arithmetic only Billing unit: per subscription/year Minimum seats: 1 Minimum commitment: Annual

Microsoft 365 Pro

INR 9,999.00/month

Highest consumer-tier Copilot usage under the current India personal-plan listing. Limit: Monthly-only under current listing Billing unit: per subscription/month Minimum seats: 1 Minimum commitment: Monthly only

Microsoft 365 Copilot Business

USD 18.00per month, billed annually

Business Copilot license for Microsoft 365 apps, Work IQ and pre-built agents. Limit: Qualifying Microsoft 365 environment required Limit: Published USD 18 annual-equivalent rate is promotional from a USD 21 list price Billing unit: per user/month equivalent Minimum seats: 1 Minimum commitment: Annual at published promotional rate

Official pricing / availability source · Checked 23 September 2026. Confirm current taxes, regional terms and allowances. A listed plan is not necessarily the cheapest option.

Editorial verification: 9/24/2026. Check the vendor's site for current pricing.

Read the full Microsoft Copilot pricing article

Alternatives to Microsoft Copilot

ChatGPT

General-purpose AI assistant for writing, research, analysis, coding and work

Claude

AI assistant for writing, research, analysis, coding and long-context work

Gemini

Google AI assistant for research, reasoning, files, media and connected apps

Perplexity

AI research and answer engine with citations, advanced models, Computer and connected apps

Read the full Microsoft Copilot alternatives article

Microsoft Copilot — frequently asked questions

What is Microsoft Copilot used for?

Microsoft Copilot is used for AI chat, writing, research, summarization, image creation, voice and visual assistance. On eligible work accounts it also connects to Microsoft 365 content such as documents, email, meetings and chats, and can use tools such as Researcher, Analyst and agents. Capabilities vary considerably between free personal, consumer Microsoft 365 and business licenses.

How much does Microsoft Copilot cost?

Microsoft offers free Copilot access plus paid Microsoft 365 subscriptions. In India, Personal is INR 689 monthly or INR 6,899 yearly, Family INR 819 monthly or INR 8,199 yearly, Premium INR 19,999 yearly and Pro INR 9,999 monthly. Business Copilot uses separate per-user licensing and can require a qualifying Microsoft 365 environment.

Does Microsoft Copilot work inside Microsoft 365 apps?

Yes. Eligible consumer and business subscriptions provide Copilot inside applications such as Word, Excel, PowerPoint and Outlook, while work licenses also support Teams and organizational context. The experience is not identical across every plan: consumer subscriptions focus on personal files and productivity, while licensed work accounts can ground Copilot in authorized Microsoft Graph and company data.

Is Microsoft Copilot data used to train foundation models?

For organizational Microsoft Copilot and Copilot Chat, Microsoft states that prompts, responses and Microsoft Graph data are not used to train foundation models. Enterprise data protection also applies tenant isolation, encryption and Microsoft 365 access controls. Consumer data handling differs by product setting and account type, so organizations should evaluate the work-specific documentation rather than assume personal-account rules apply.

What are Copilot Voice and Vision?

Copilot Voice enables natural spoken conversations, dictation and read-aloud experiences. Copilot Vision lets users share a desktop screen or mobile camera during a voice conversation and ask questions about what Copilot sees. Vision is session-bound, cannot directly manipulate the screen and has usage or rollout limits depending on the account and current service capacity.

What does G2 show for Microsoft Copilot?

G2's current Microsoft seller profile lists 431 reviews for the Microsoft Copilot product and describes it as Microsoft 365-integrated AI grounded in organizational apps and data. The retrieved G2 seller result does not expose a separate Copilot star rating, so SearchSagar does not substitute Microsoft's broader seller average or an unrelated product with a similar Copilot name.