Copilot Pro Is Gone: What Microsoft 365 Personal, Premium, and Pro Cost

Copilot Pro, the $20 add-on Microsoft sold for its consumer Copilot, is no longer for sale, and Microsoft’s support page says support for existing subscribers ended on August 1, 2026. Copilot for individuals now comes only inside Microsoft 365 plans: Personal at $9.99 a month, Family at $12.99, Premium at $19.99, and a newer Pro tier at $99.99 a month. This guide lays out what each plan’s Copilot actually allows, using Microsoft’s own pricing page and its usage-limits article, both read on October 7, 2026, and where the pages do not agree with each other. For how Microsoft’s ladder compares with ChatGPT, Claude, and Gemini, see our AI plans comparison.

The quick answer

• Copilot Pro: “no longer available for purchase; existing subscribers can continue using it until they cancel or support ends on August 1, 2026.” That date has passed
• Where Copilot lives now: in four Microsoft 365 plans. Personal $9.99 a month or $99.99 a year, Family $12.99 or $129.99, Premium $19.99 or $199.99, Pro $99.99 a month with no annual price listed
• What the money buys: Personal and Family get Copilot “chat with higher usage than free”; Premium gets “chat with extensive usage” plus the Researcher and Analyst agents; Pro gets “chat with highest usage” on every line
• Owner only: on Family, Premium, and Pro, up to six people share apps and storage, but “AI features are only available to the subscription owner and cannot be shared”
• No numbers: Microsoft publishes usage tiers (Standard, More, Extensive, Highest), not counts, and says “Limits may also change over time as new AI models become available”
• Exit terms: “Subscription automatically renews at the regular price and selected term, unless cancelled in Microsoft account”

Key facts at a glance

Plan	Price (US)	People	Storage	Copilot chat	Researcher and Analyst	Voice and Vision
Microsoft 365 Personal	$9.99 a month or $99.99 a year	1	1 TB	Higher usage than free	Not available	Standard usage
Microsoft 365 Family	$12.99 a month or $129.99 a year	1 to 6	Up to 6 TB (1 TB per person)	Higher usage than free, owner only	Not available	Standard usage
Microsoft 365 Premium	$19.99 a month or $199.99 a year	1 to 6	Up to 6 TB (1 TB per person)	Extensive usage, owner only	Extensive use	More usage
Microsoft 365 Pro	$99.99 a month	1 to 6	Up to 6 TB (1 TB per person)	Highest usage, owner only	Extensive use	Highest usage
Copilot Pro (retired)	Not sold	1	None	Support ended August 1, 2026	Not applicable	Not applicable

Prices and plan lines are from Microsoft’s Copilot pricing page for individuals; the Researcher, Analyst, Voice, and Vision columns are from the usage-limits article, which carries “Last updated: September 2026.” Both read October 7, 2026.

What happened to Copilot Pro

Microsoft announced the end of Copilot Pro on October 1, 2025, in the blog post that introduced Microsoft 365 Premium. The post says Premium “combines everything in our Microsoft 365 Family and Copilot Pro subscriptions” for $19.99 a month, and that as part of simplifying the lineup Microsoft would stop selling Copilot Pro.

The support page now reads: “Copilot Pro is no longer available for purchase; existing subscribers can continue using it until they cancel or support ends on August 1, 2026.” It points to the replacement without forcing it: “To keep enjoying extensive Copilot usage after your Copilot Pro subscription ends, Microsoft 365 Premium is one option.” The same page still carries the cancel path for anyone who sees a Copilot Pro line in their account: open the subscriptions page of the Microsoft account that bought it, then “Find your Copilot Pro subscription. Select Manage.” and “On the next page, select Cancel.” If a Copilot Pro charge is still appearing, that is the page to start from, and our Microsoft 365 cancellation guide covers the refund window and the storage consequences that follow any Microsoft 365 cancellation.

The four plans, in Microsoft’s words

Microsoft’s Copilot pricing page for individuals sells Copilot only as part of Microsoft 365. Each plan has the same four Copilot lines, with one word changing.

Personal, $9.99 a month or $99.99 a year. One person, “1 TB of secure cloud storage,” the desktop apps with Copilot, and Copilot “chat with higher usage than free.” The screen and camera assistance, the English-only AI audio, and image creation are each “Higher usage than free.” The page offers “Try free for 1 month.”

Family, $12.99 a month or $129.99 a year. “Everything in Microsoft 365 Personal, plus:” the plan is “For 1 to 6 people (AI for subscription owner only)” with “Up to 6 TB of secure cloud storage (1 TB per person).” The Copilot lines do not change from Personal. Five people get Office and a terabyte each; one person gets Copilot.

Premium, $19.99 a month or $199.99 a year. “Everything in Microsoft 365 Family, plus:” Copilot “chat with extensive usage,” extensive usage for screen and camera help, audio, and image creation, and a new line: “Limited usage for agentic AI that gets things done for you including advanced research and analytics.” That line is where the Researcher and Analyst agents sit. The Premium support page describes it as “a subscription for one to six people that includes extensive AI usage and exclusive Copilot features, advanced security, cloud storage, and innovative apps,” and lists “Access to Copilot features currently exclusive to Premium subscribers.”

Pro, $99.99 a month. Headed “Highest usage limits” and “Everything in Microsoft 365 Premium, plus:” Copilot “chat with highest usage,” “Highest usage for agentic AI that gets things done for you including advanced research and analytics,” and highest usage for screen and camera help and audio. On the pricing page, Pro shows a monthly price in both the monthly and yearly views; no annual price is listed.

The usage table Microsoft publishes

The pricing page gives adjectives. The usage-limits article turns them into a grid, feature by feature, for Personal, Family, Premium, and Pro:

• Chat, Deep reasoning, Pages: “Extensive use” on all four plans
• Audio Overview and Image gen: “Standard usage” on Personal and Family, “Extensive use” on Premium and Pro
• Voice and Vision: “Standard usage” on Personal and Family, “More usage” on Premium, “Highest usage” on Pro
• Researcher and Analyst: “Not available” on Personal and Family, “Extensive use” on Premium and Pro
• Priority access: “Yes” on all four

Two definitions on that page matter for anyone comparing tiers. “Feature limits are usage caps that help us ensure a good experience for all users.” And “AI credits measure your use of AI features within Microsoft 365 and Windows applications,” with Microsoft’s own example being a one-credit request to summarize an inbox. Credits are deducted as you use Copilot in Word, Excel, Designer, Photos, Paint, and Notepad. Where to look: “You can check the status of your limits and AI credits by selecting Services & subscriptions in your Microsoft account.”

The article also states the upgrade path in one sentence: “If you already have a Microsoft 365 Personal, Family, or Premium plan, you can switch to Microsoft 365 Pro to access the most extensive limits available.” And it repeats the rule that shapes every family decision: “AI benefits are only available to the subscription owner and cannot be shared with others.”

What each step up costs

Read as a ladder, the price of more Copilot is:

• From free Copilot to Personal: $9.99 a month, or $99.99 a year, for “higher usage than free” plus Office and 1 TB
• From Personal to Family: $3 a month more, for five more people’s apps and storage. Zero more Copilot
• From Family to Premium: $7 a month more, for “extensive usage,” the Researcher and Analyst agents, and features Microsoft calls exclusive to Premium. This is the step that replaced Copilot Pro, and at $19.99 it is roughly the old Copilot Pro price with Office and 6 TB attached
• From Premium to Pro: $80 a month more, for “highest usage” on every line and no annual discount

The Subscription Tracker now carries all four Microsoft 365 rows, so you can see the monthly and yearly totals against your other plans.

Where the documents disagree or leave gaps

“Highest” belongs to two plans. The Copilot Pro support page says Microsoft 365 Premium “offers the highest Copilot usage limits,” and the October 2025 blog post said the same. The pricing page and the usage-limits article, both newer, put “Highest usage” on Pro and “extensive” or “More usage” on Premium. The older pages have not been updated since Pro arrived.

Premium’s agents are “Limited.” The pricing page describes Premium’s agentic AI as “Limited usage,” while the usage-limits article marks Researcher and Analyst as “Extensive use” on Premium. One page is describing the agent mode broadly, the other two named agents; the tier words do not line up.

No quantities anywhere. Standard, More, Extensive, and Highest are the only measures Microsoft gives for Copilot in these plans. The article warns limits “may vary based on the feature, entry point, and system conditions” and “may also change over time as new AI models become available.”

Three things called Pro. Copilot Pro (retired), Microsoft 365 Pro ($99.99, consumer), and the business product Microsoft 365 Copilot are different things. A search for “Copilot Pro” in October 2026 lands on all three.

Family and Premium look alike on paper. Both are “For 1 to 6 people,” both have “Up to 6 TB of secure cloud storage (1 TB per person),” and on both only the owner has Copilot. The $7 difference is entirely in the owner’s Copilot tier and the Premium-only features.

Before you choose

This is a sequence of checks, not a recommendation:

1. Look for a Copilot Pro line in your account. Services & subscriptions in your Microsoft account shows what is still billing; the support page’s Manage and Cancel steps apply to it
2. Count who needs Copilot, not who needs Office. Family and Premium share apps and storage with six people, but the AI is “for subscription owner only” on every shared plan
3. Match the feature to the tier. If Researcher or Analyst is the point, Personal and Family are “Not available” for both; Premium is the first tier that has them
4. Check the limits page, not the ad copy. The usage table is the only place the four plans are set side by side, feature by feature
5. Note the billing shape. Personal, Family, and Premium list monthly and annual prices; Pro lists monthly only, and all auto-renew “unless cancelled in Microsoft account”
6. Know what cancellation does to files. Dropping any Microsoft 365 plan shrinks OneDrive, with the freeze rules in our cloud storage guide

Quick answers to what people search

Is Copilot Pro discontinued? Yes. Microsoft’s support page says it is “no longer available for purchase” and that support ended on August 1, 2026.

What replaced Copilot Pro? Microsoft 365 Premium at $19.99 a month, which Microsoft says “combines everything in our Microsoft 365 Family and Copilot Pro subscriptions.” Microsoft 365 Pro at $99.99 sits above it.

Does Microsoft 365 Personal include Copilot? Yes, with “chat with higher usage than free” and the desktop apps with Copilot. Researcher and Analyst are “Not available” on Personal.

How much is Microsoft 365 Premium? “$19.99” a month or “$199.99” a year on the US pricing page.

How much is Microsoft 365 Pro? “$99.99” a month. No annual price is listed.

Can my family use Copilot on a Family or Premium plan? No. Microsoft’s FAQ says “only the subscription owner can use AI features and can’t share them.”

How do I cancel Copilot Pro? From the subscriptions page of the Microsoft account that bought it: “Find your Copilot Pro subscription. Select Manage.” then “On the next page, select Cancel.”

Bottom line

As of October 7, 2026, Copilot Pro is retired and Copilot for individuals is sold only inside Microsoft 365: $9.99 for Personal, $12.99 for Family, $19.99 for Premium, and $99.99 a month for Pro, with the AI always locked to the subscription owner. Premium is the tier that took Copilot Pro’s place and the first with Researcher and Analyst; Pro is the only one Microsoft now labels “Highest usage.” Before paying for a tier, read the usage-limits table, since the words on the pricing page and the older support pages do not all agree.

Prices, plan lines, and quotations from Microsoft’s Copilot pricing page for individuals, the Microsoft Store comparison page, and three Microsoft Support articles, all US versions read on October 7, 2026, and from Microsoft’s October 1, 2025 blog post. Microsoft says usage limits vary and change with new models, and prices differ by country and tax, so the company’s pages are the authority. This is general information, not financial advice.