Microsoft Copilot Microsoft 365 Family vs Microsoft 365 Premium
Microsoft 365 Premium costs $7 more a month ($84 a year) than Microsoft 365 Family. Here is exactly what that extra money buys.
Microsoft 365 Family
$12.99 a month
Best for: A household where several people want Word, Excel and their own storage.
Microsoft 365 Premium
$19.99 a month
Best for: Someone who uses the assistant heavily and also wants Office for the family.
What you get by choosing Microsoft 365 Premium
- How much you can use the assistant before it stops you: A lot (instead of More than the free version)Microsoft says the free version works "subject to available capacity and limits", so at busy times it may simply stop until later.
- Making pictures: Plenty (instead of More than free)You describe a picture in words and it draws it for you.
Same on both
online storage for your files and photos (6.1 tb), people who can share the subscription (6), word, excel, powerpoint and outlook on your computer (included), the assistant built into word, excel, powerpoint and outlook (included).
Which one should you pick?
It depends on what you actually use. If you don't need how much you can use the assistant before it stops you or making pictures, Microsoft 365 Family does the same job for less. Answer a few questions and we'll tell you which plan fits.
Prices and features verified September 21, 2026 from Microsoft Copilot's official pages (source ↗). Prices are before tax and can change. See all Microsoft Copilot plans.