Microsoft 365 Premium vs Personal vs Family
Prices last checked 2026-10-15–2026-10-16, from official provider websites.
Monthly: Personal US$9.99/month (USD) · CA$11.50/month (CAD), Family US$12.99/month (USD) · CA$14.50/month (CAD), Premium US$19.99/month (USD) · CA$27.00/month (CAD). Paying yearly costs less: Personal US$99.99/yr · CA$115.00/yr, Family US$129.99/yr · CA$145.00/yr, Premium US$199.99/yr · CA$270.00/yr. Microsoft 365 Pro (US$99.99/month (USD) · CA$135.00/month (CAD)) is monthly only.
| Provider | Plan | Monthly billing USD · CAD | Annual billing per month, or per year where that's all the provider lists USD · CAD | Models | Limits | Best for | Sources & checked |
|---|---|---|---|---|---|---|---|
| Microsoft | Copilot Free | FreeFree | No annual option listed | Microsoft-selected models | Limited, subject to capacity | Casual Windows users | USD: microsoft.com CAD: microsoft.com |
| Microsoft | Microsoft 365 Personal Cheapest paid | US$9.99CA$11.50 | US$99.99/yrCA$115.00/yr | Microsoft-selected models | AI credits + feature limits; 1 user, 1 TB | Office users | USD: microsoft.com CAD: microsoft.com |
| Microsoft | Microsoft 365 Family | US$12.99CA$14.50 | US$129.99/yrCA$145.00/yr | Microsoft-selected models | AI credits (owner only); 1-6 people, 2 TB shared | Families | USD: microsoft.com CAD: microsoft.com |
| Microsoft | Microsoft 365 Premium | US$19.99CA$27.00 | US$199.99/yrCA$270.00/yr | Microsoft-selected models | Extensive Copilot usage; limited agentic research; owner-only AI; 1-6 people, 2 TB shared | Office power users | USD: microsoft.com CAD: microsoft.com |
| Microsoft | Microsoft 365 Pro | US$99.99CA$135.00 | No annual option listed | Microsoft-selected models (LLM choice not stated) | Highest Copilot/agent usage; 5 TB shared; owner-only AI; monthly billing only | Heavy Copilot users | USD: microsoft.com CAD: microsoft.com |
USD and CAD are separate official prices; we never convert. "No official CAD/USD price" means none was found on an official page or listing.
FAQ
What's the difference in Copilot?
Personal and Family include AI credits and feature limits. Premium has higher limits and Premium-only Copilot features. Pro has the highest limits. On Family, Premium and Pro, Copilot is for the subscription owner only, per Microsoft.
How much storage do I get?
Personal: 1 TB. Family and Premium: 2 TB shared (1 to 6 people). Pro: 5 TB shared. All per Microsoft's plan page.
Is Premium worth it over Personal?
Only if you use Copilot heavily. Otherwise Personal or Family gives you the Office apps and storage for less.
Is it cheaper to subscribe in the app?
Often not. Buying through the iPhone or iPad app can cost more because of App Store fees. Subscribe on the provider's website and use the same account in the app. See how to switch.