Microsoft 365 Personal with Copilot review

Microsoft 365 Personal bundles the Outlook, Word, Excel, PowerPoint and OneNote desktop apps with Microsoft Copilot for $9.99 a month or $99.99 a year in the US, which makes it a low-cost way to get AI drafting inside Outlook. The plan is for one person, signs in on five devices at once and includes 1 TB of cloud storage plus identity, data and device security. Copilot chat comes with higher usage than the free tier, and Copilot works in Teams calls too. Microsoft 365 Premium, at $19.99 a month, moves to extensive Copilot usage for heavier writers. At the time of our check Microsoft showed a limited-time discount on the first month or first year. The main limit is scope: it helps people who already write in Outlook and Office, and it does not offer the inbox triage or auto drafts that Superhuman or Fyxer sell. Business users need the separate Microsoft 365 Copilot business plans.

Who it is for

Outlook users who also want Office apps

Price

Microsoft 365 Personal $9.99 a month or $99.99 a year; Premium $19.99 a month.

Microsoft 365 Personal $9.99
Quoted from the vendor pricing page on November 13, 2026.

Key features

• Outlook desktop app with Microsoft Copilot
• Word, Excel, PowerPoint and OneNote with Copilot
• Copilot chat with higher usage than the free tier
• 1 TB of cloud storage for 1 person
• Sign in on 5 devices at once

Strengths and weaknesses

• Strength: $9.99 a month covers Copilot in Outlook plus the full Office apps
• Strength: Runs on PCs, Macs, phones and tablets
• Strength: Premium at $19.99 a month raises Copilot usage to extensive
• Weakness: Personal is for 1 person only
• Weakness: Copilot usage is capped at higher than free, not unlimited
• Weakness: Useful mainly to people who already write email in Outlook

Key facts

• Price: $9.99 a month or $99.99 a year
• Users: 1 person, 5 devices at once
• Storage: 1 TB
• Free plan: No

Where it ranks

Microsoft 365 Personal with Copilot is No. 5 in our Best AI Email Writers verdict.