Microsoft Copilot Pricing 2026: What Does Copilot Cost for Business?

Microsoft Copilot pricing becomes your problem the day the Microsoft 365 renewal lands and the IT lead asks: “Should we add Copilot for everyone, or just for sales?” Copilot Chat is already in the browser for free, the reseller offers Copilot Business at a promotional price, someone mentions Copilot Studio, and the invoice also shows the suite price increase from July. This article puts every official Copilot price in one place, as of October 2026, and works out what a team of 10 and a team of 50 actually pay per month.

What is Microsoft Copilot pricing?

Microsoft Copilot pricing is the mix of per-user licences and usage-based credits that Microsoft charges companies for its AI assistant in Microsoft 365: a free Copilot Chat, a paid Copilot licence per user (Copilot Business for business plans, Microsoft 365 Copilot for enterprise plans) and Copilot Credits for agents and advanced features. Every paid Copilot licence is an add-on: you need a qualifying Microsoft 365 plan first¹². So the real price per person is base licence plus Copilot licence plus the agents your team runs.

Tasks for the whole team with Superkind

Copilot helps the person in front of Word or Outlook write faster. If you want work done across systems for the whole team, there is a second route. Superkind is the AI employee for your team: you write to Superkind in Outlook or any email, Microsoft Teams, Slack or the Superkind web app like you would to a colleague, and it does the task in your programs through 1,500+ integrations such as SharePoint, Excel, HubSpot and SAP Business One. Superkind is hosted in Europe, GDPR compliant, aligned with the EU AI Act and never trains models on your data. It is priced per company, not per seat.

1. 1

   You write the task

   In Outlook, Teams, Slack or the web app, in plain words: “Send Möller the quote for 40 pallet racks.” No extra licence per colleague.

2. 2

   Superkind does it in your systems

   It takes the prices from SAP Business One, the customer from HubSpot and the template from SharePoint, uses your company knowledge and follows your rules, such as “Quotes over EUR 10,000 need sign-off from management”.

3. 3

   Superkind asks before anything goes out

   You get the draft quote with Approve or Reject. Nothing is sent, booked or changed without your OK, and a colleague can approve in Teams or Slack, wherever they work.

4. 4

   Next time it runs as a routine

   What you explain once keeps running, for example “Every Monday - send open quotes a follow-up”. Every task adds to your Company Brain, and that knowledge stays when people leave.

More on this use case: quotes and RFPs with Superkind.

From the first task to your own app

With Superkind, the cost grows with the work, not with the number of licences. Four stages, on the quote example:

1. 1

   Ready in minutes

   Sign up for free with up to EUR 150 in credits, send the first quote request in Teams, Slack or by email and watch it get done.

2. 2

   Tasks become routines

   What you explain once keeps running as a routine, for example the Monday follow-up on open quotes. Before anything goes out, Superkind asks for approval.

3. 3

   Learns from day one

   Every task makes Superkind smarter. Your customers, prices, discounts and delivery times end up in your Company Brain, and that knowledge is never lost.

4. 4

   Your own app, without starting over

   When sales gets more complex, you build custom solutions, apps and integrations on the platform, on top of what Superkind already knows, for example your own quote app with approval steps: your Super App. Built yourself or together with us. It all belongs to you.

How Copilot pricing works

Microsoft sells Copilot in layers. Each layer has its own price logic, and most companies end up paying for two or three of them.

1. Microsoft 365 base licence - Business Basic, Standard or Premium (up to 300 users) or an enterprise plan such as E3 or E5. Every paid Copilot licence requires one¹².
2. Copilot Chat - included at no extra cost with eligible Microsoft 365 plans, for anyone with a work account. Web-grounded chat with enterprise data protection, but not grounded in your mailbox and files the way a licensed Copilot is¹².
3. Microsoft 365 Copilot Business - the per-user add-on for business plans: Copilot in Word, Excel, PowerPoint, Outlook and Teams, chat on your work data, prebuilt agents and adoption analytics¹.
4. Microsoft 365 Copilot (enterprise) - the same idea for enterprise plans, including building and using agents with Copilot Studio inside Microsoft 365².
5. Copilot Credits - the usage currency for agents and advanced features. Agents used by people without a Copilot licence, agents on external channels and features such as Copilot Cowork and Autopilot consume credits¹⁴.
6. Agent 365 - an optional control plane to observe, govern and secure agents, licensed per user⁷.

Copilot licences compared

This table shows every Copilot option with a published price in Germany, with Superkind in the first row for comparison. Copilot prices are per user per month; Superkind prices are per company with unlimited users. All prices excl. VAT.

As of October 2026. Copilot source: Microsoft Germany pricing pages¹²³, Agent 365 from Microsoft’s announcement in USD⁷. Microsoft notes that the final price is shown at checkout. Superkind: its own published prices.

The promotional EUR 15.60 applies from 1 July to 31 December 2026, only for the first year of an annual Copilot Business subscription, only for existing customers with an eligible business plan and not for trials¹. From year two you pay the list price.

Copilot Credits, agents and Agent 365: what they cost

The licence price is predictable. Agents are not, because Microsoft bills them by usage. These are the official rates.

• Capacity pack - 25,000 Copilot Credits for EUR 173.30 per month in Germany ($200 in the US). Capacity is pooled across the tenant, and unused credits do not carry over to the next month³⁵.
• Pay-as-you-go - $0.01 per credit, billed monthly in arrears through an Azure subscription, without commitment⁵⁶.
• What one answer costs - a classic answer uses 1 credit, a generative answer 2, an agent action 5 and tenant graph grounding 10. Microsoft’s own example: one complex answer grounded in your tenant data uses 12 credits⁴.
• Licensed users are zero-rated - when people with a Microsoft 365 Copilot licence use agents inside Copilot Chat, Teams or SharePoint, answers and graph grounding cost no credits. Unlicensed users, external channels and autonomous flows do⁴.
• Agent 365 - generally available since 1 May 2026, $15 per user per month standalone, included in Microsoft 365 E7. It covers the people who manage, sponsor or use agents⁷.

The Microsoft 365 price increase from 1 July 2026

The base licence under Copilot also got more expensive. In Microsoft’s USD list, per user per month⁸:

• Business Basic - from $6.00 to $7.00.
• Business Standard - from $12.50 to $14.00.
• Microsoft 365 E3 - from $36.00 to $39.00; E5 from $57.00 to $60.00.
• Copilot itself - standalone Copilot SKUs were not part of the update. Existing customers keep their current price until renewal⁸.

Examples: what teams pay for Copilot

Five realistic set-ups. All Copilot figures are calculated from Microsoft’s German list prices above, excl. VAT and excl. the Microsoft 365 base licence unless stated.

1. The whole team gets tasks done through Superkind

Daniel in sales emails Superkind: “Send Möller the quote.” Superkind builds it with prices from SAP Business One, asks Daniel for approval, and his colleague Nadine sees the result in Teams. Nobody needs a Copilot licence for this, and the team keeps using Microsoft 365 as before. As of October 2026 you start for free with a one-off up to EUR 150 in credits, and Business costs from EUR 50 per month for the whole company with unlimited users.

2. Copilot Business for the sales team only

Five people in sales get Copilot Business on an annual plan: 5 x EUR 18.20 = EUR 91.00 per month, or EUR 78.00 in the first year with the promotion¹. Everyone else stays on the free Copilot Chat; once they use an agent from it, those answers are billed in Copilot Credits⁴.

3. New to Microsoft 365: the bundle

A company moving to Microsoft 365 buys Business Standard plus Copilot Business as one licence at EUR 20.36 per user per month on an annual plan, or EUR 24.43 monthly¹. Mail, Office, Teams and Copilot in one line item.

4. Enterprise plan with Microsoft 365 Copilot

A company on Microsoft 365 E3 adds Microsoft 365 Copilot at EUR 26.00 per user per month, annual billing². In the US list the E3 base licence itself costs $39 since July 2026⁸.

5. A Copilot Studio agent for unlicensed colleagues

An internal agent answers questions from colleagues without a Copilot licence, grounded in your SharePoint data: 12 credits per answer⁴. At 2,000 answers a month that is 24,000 credits, so one capacity pack at EUR 173.30 or about $240 pay-as-you-go³⁶.

Copilot for a team of 10 and 50 users

Plain arithmetic on the list prices in this article, per month, excl. VAT. It assumes the team already has a Microsoft 365 business plan, so only Copilot is added.

The two products buy different things. A Copilot licence gives one person AI inside Word, Excel, Outlook and Teams. Superkind credits pay for questions and tasks done in your programs, for any number of people; EUR 100 covers up to 1,000 tasks or 5,000 questions. Many teams use both: Copilot for writing in Office, Superkind for tasks across several systems.

What Copilot costs in practice (and what else you need)

Before you add licences, check these points.

• Base licence first - every paid Copilot licence sits on top of a qualifying Microsoft 365 plan, and that plan got more expensive on 1 July 2026¹⁸.
• Promo versus list price - the EUR 15.60 only applies in year one. Budget year two at EUR 18.20¹.
• Annual commitment - the annual price assumes a 12-month term that renews automatically. Monthly billing costs about 20% more per user¹.
• Credits on top - agents for unlicensed users, external channels and autonomous flows consume Copilot Credits, and pack credits expire monthly⁴⁵.
• Permissions - a licensed Copilot sees everything the user can see in SharePoint, OneDrive and Teams. Clean up overshared folders before roll-out⁹.
• Work inside other systems - Copilot is strongest inside Microsoft 365. For tasks in DATEV, SAP Business One or HubSpot you need connectors or agents, which again means credits.

What Superkind costs

As of October 2026. Prices excl. VAT, for the whole company with unlimited users.

• Free - EUR 0 with a one-off up to EUR 150 in credits to start. No credit card, no sales call, every feature and every connection, in Slack, Teams, email and the app.
• Business - from EUR 50 per month for 25,000 credits. EUR 100 for 50,000 credits is the popular step, then EUR 200 and EUR 500. No price per seat, unused credits carry over one month, top up when needed, custom apps included, cancel monthly.
• Enterprise - custom price for your volume, dedicated support with SLA, SSO/SCIM and audit log, a DPA and help with the security review, payment by invoice.
• What credits buy - a question uses 10-50 credits, a task 50-500 credits and a run of your own agent 1,000-5,000 credits. EUR 100 covers up to 1,000 tasks or 5,000 questions.

Data protection and EU hosting

Safe by default

Your data stays in Europe, under a DPA, with no training on your data.

• Hosted and processed in Europe
• GDPR compliant
• Aligned with the EU AI Act
• No training on your data
• DPA through the Trust Center

Quotes, price lists and customer emails contain personal and confidential data, so whichever tool you pay for, check where it is processed, whether it is used for training and that a DPA is in place. For Copilot, Microsoft documents its enterprise data protection on Microsoft Learn⁹; our Copilot GDPR guide goes through the details.

How to start

You can decide this in one afternoon. Three steps:

Conclusion

Copilot has clear licence prices: Copilot Chat at no extra cost, Copilot Business at EUR 18.20 per user per month (EUR 15.60 in the promo year), Microsoft 365 Copilot for enterprise at EUR 26.00, plus Copilot Credits for agents and $15 per user for Agent 365. For a team of 10 that is about EUR 182 a month, for 50 about EUR 910, before base licences and credits. Copilot is a good fit for teams that spend their day in Word, Excel and Outlook. If you need tasks done across systems for the whole team, Superkind costs EUR 0 to start and from EUR 50 per month with unlimited users, works through 1,500+ integrations such as SharePoint, DATEV and HubSpot, and is hosted in Europe (as of October 2026). Send Superkind one real task this week and put the result next to your Copilot quote.

Frequently Asked Questions

Henri Jung

Co-founder of Superkind, the AI employee teams write to in Outlook, Teams and Slack. Henri helps companies, from small teams to the Mittelstand, hand their routine work to AI - without new tools, consultants or an in-house AI team.