Microsoft Copilot Microsoft 365 Personal vs Microsoft 365 Family
Microsoft 365 Family costs $3 more a month ($36 a year) than Microsoft 365 Personal. Here is exactly what that extra money buys.
Microsoft 365 Personal
$9.99 a month
Best for: One person who wants Word and Excel plus a decent amount of assistant use.
Microsoft 365 Family
$12.99 a month
Best for: A household where several people want Word, Excel and their own storage.
What you get by choosing Microsoft 365 Family
- Online storage for your files and photos: 6.1 TB (instead of 1.0 TB)A thousand gigabytes is one terabyte. The family plans give one terabyte to each person.
- People who can share the subscription: 6 (instead of 1)Everyone sharing gets the Word and Excel apps and their own terabyte of storage, but only the person who pays gets the assistant inside those apps.
Same on both
how much you can use the assistant before it stops you (more than the free version), making pictures (more than free), 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 online storage for your files and photos or people who can share the subscription, Microsoft 365 Personal 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.