Microsoft 365 Premium is the newest consumer plan that bundles the popular Family subscription with Copilot Pro at a much lower cost. For $199 a year, subscribers get six accounts with full Microsoft Office apps, 1TB OneDrive storage each, and premium Copilot AI tools for the plan owner—including research, data analysis, and workflow automation. Our guide breaks down what’s included, how it differs from other plans, and why it could save power users over $140 a year.
Microsoft 365 Premium is essentially the current Family plan (the owner plus five users) plus the Copilot Pro add-on combined into a single product at a lower price.
Yes, you read that right. For those who want Copilot AI, the Premium plan is a significant price drop, saving at least US$140 over what people are paying now.
What you get in Microsoft 365 Premium
Microsoft 365 Premium has all the same features as the Family plan, to recap.
- For SIX users:
- The owner, who gets the extra Copilot AI benefits
- FIVE other people, who don’t get any Copilot.
- Desktop apps – Windows and Mac (mostly) and mobile Microsoft 365 apps
- Word, Excel, PowerPoint
- Outlook (new or classic for Windows)
- Access (PC only)
- Publisher (PC only until October 2026)
- Designer, ClipChamp
- OneNote is mentioned by Microsoft but is available to everyone.
- 1TB of OneDrive cloud storage for each user.
See Microsoft 365 Copilot Expands for Personal & Family Plans — But Limits Remain about the changes in Copilot in the standard Microsoft 365 Consumer plans
What’s new in the Premium plan
The Premium plan owner gets the fullest access to Copilot features that’s possible for a consumer plan.
The differences in Microsoft 365 Premium only apply to the plan owner, not anyone sharing the plan.
That includes access to Copilot features that were only available to commercial plans and at a higher price.
- Researcher, Copilot’s quick fact-finding and summarizing mode for pulling reputable sources and drafting concise briefs
- Deep Research, longer, multi-step investigations that plan a strategy, read widely, compare viewpoints, and return a cited, structured report
- Analyst (for Excel), focuses on data—importing from files or links, cleaning and exploring it, building charts/models, and explaining findings in plain language
- Actions, lets Copilot actually do things for you—calling connected apps and services (e.g., send an email, create a meeting, update a list, run a workflow) through natural-language commands.
- Photos Agent (coming soon), built-in agent inside the Microsoft 365 Copilot app that will help you search, manage, and interact with your OneDrive photos using natural language (e.g., “find my scanned receipts from June” or “show beach photos from Spain”)
However, some features have a monthly limit, see below.
How much?
Microsoft 365 Premium costs US$199 a year plus taxes. Microsoft quotes the $19.99 monthly price which is more expensive that paying yearly.
Compare that to Microsoft 365 Family plan plus Copilot Pro which currently costs US$370.
See How to Upgrade to Microsoft 365 Premium: Step-by-Step Guide
Prices around the world
Microsoft 365 Premium is available across the globe.
| Country/Region | Monthly | Annual |
| USA | $19.99 | $199.99 |
| Canada | CAD $27 | CAD $270 |
| UK | £18.99 | £189.99 |
| Europe | €22.00 | €219 |
| India | ₹1,999 | ₹19,999 (incl. GST) |
| Australia | AU $33 | AU $329 |
| New Zealand | NZ $37 | NZ $369 |
Copilot limits for Microsoft 365 Premium
Here’s a clarified version of Microsoft’s table explaining the limits on Copilot use for Microsoft 365 Premium plan owners.
| Copilot feature | Microsoft 365 Premium |
| Agents | 25 tasks per month shared amongst all agents |
| Analyst (coming soon) | |
| Researcher | |
| Deep Research | |
| Actions | 10 tasks per month |
| Audio Overview in Notebooks, Podcasts | Extensive use |
| Chat | Extensive use |
| Copilot in Microsoft 365 apps: Draft, Rewrite, Summarize, Analyze data (Excel) Image generation and editing in Designer, Create, Paint, Photos, and Microsoft 365 web, mobile, and desktop apps | Extensive usage beyond the usual 60 AI credit limit |
| Pages | Extensive use |
| Photos Agent (coming soon) | Extensive use |
| Vision | 15 minutes per day |
| Voice | 60 minutes per day |
The Premium plan comes with Copilot “Priority access” meaning that AI requests should be processed more quickly.
Microsoft also talks vaguely about “Exclusive access to Advanced AI features” without details.
What does “Extensive Use” mean?
Copilot limits sometimes just say “Extensive Use” without specifics and Microsoft doesn’t explain.
Nearest we can tell, “Extensive Use” means that Microsoft reserves the right to limit Copilot access if the company thinks it’s excessive. Somewhat like the “Reasonable use” fine print in some unlimited Internet plans.
A real Premium plan
Some sellers of fake or sly Microsoft 365 plans will try to trick people by offering “Microsoft 365 Premium for Consumers“
Microsoft 365 Copilot Expands for Personal & Family Plans — But Limits Remain
