Copilot's free tier is one of the quiet bargains in AI: strong model access in the browser and Windows at zero cost. The paid story changed in 2026 — Microsoft folded the old Copilot Pro into Microsoft 365 Premium (~US $19.99/month), which bundles Copilot inside Word, Excel, PowerPoint and Outlook together with the full Office suite.
- Free: web chat, image generation, Windows integration — no card needed.
- Microsoft 365 Premium: worth it mainly if you already pay for Office anyway.
- Billing is USD-based in most of the region; check the Microsoft Store India price at checkout.