Microsoft 365 packs Word, Excel, PowerPoint, Outlook, OneNote, OneDrive cloud storage, and the new Copilot AI functionality in a single subscription, which comes in individual, family, student, and business flavors. There is also a web-only free plan that lacks the desktop apps and Copilot AI integration.
Microsoft provides a free web-only version of Word, Excel, PowerPoint, and Outlook at microsoft365.com – without any card, trial or expiration. 5GB of OneDrive storage and basic functionality are included – that's actually useful. What's not available are the desktop apps, offline access, full Copilot AI, and more than 1TB storage.
Microsoft 365 Personal for $9.99/mo or $99.99/yr grants a single user the complete desktop suite, 1TB of OneDrive, and Copilot. The Family plan covers up to six people ($12.99/mo or $129.99/yr) and each user gets 1TB OneDrive and Copilot access. The Premium plan for $19.99/mo gives the maximum Copilot AI limits and additional features. All paid plans include desktop, web, and mobile applications.
Students from eligible schools can get Office 365 Education (A1) free of charge via a .edu email – free versions of Word, Excel, PowerPoint, Teams, and 5GB of OneDrive storage without any expiration date. At the start of 2026, Microsoft launched an offer to provide eligible higher education students 12 months of Microsoft 365 Premium and LinkedIn Premium Career for free.
All new users can test Microsoft 365 Personal or Family for 30 days with access to the desktop applications, 1TB of storage, and Copilot. The trial requires a payment method, and after 30 days it will auto-renew with the regular price unless canceled. One trial per Microsoft account.
Microsoft offers a 60-day money-back guarantee on physical products purchased from the Microsoft Store – Surface laptops, Xbox controllers, and other accessories. Return for software products is limited to unboxed products only.
In case you purchase a product from the Microsoft Store and its price falls within 60 days, notify Microsoft about that, and you will get the difference refunded. It is not well-advertised, but consistently applied to hardware and software purchases.
A free Microsoft account grants the basic Copilot access. Personal and Family plans include Copilot in Word, Excel, and PowerPoint with medium daily limits. The Premium plan includes the maximum Copilot limits – 10 agent tasks/month, 15 minutes/day of Vision, and 60 minutes/day of Voice. If Copilot AI is the reason for your subscription, the tier will make a difference.
At $12.99/mo for up to six people, everyone gets his/her own 1TB of OneDrive, desktop applications, and individual Copilot access. Unlike other services, the members of Family plan do not have to reside at the same address. The monthly cost per user is about $2.17.
Yes, you can. The web versions of Word, Excel, PowerPoint, and Outlook are free at microsoft365.com with a Microsoft account – no trial, no card, no expiration. Also, you get 5GB of OneDrive.
Personal covers one person and provides him/her with 1TB of storage. Family covers up to six people, each with his/her own 1TB and separate account. Family costs only $3/mo more.
Students from eligible schools get Office 365 Education (web apps, Teams, 5GB OneDrive) free via .edu email address with no expiration. Microsoft often runs promotions that allow eligible students to get Premium tiers for 12 months for free.
Yes, it does. A payment method is required and a trial converts to a paid subscription automatically. You will have to set a reminder to cancel the trial before day 30 if you do not need it anymore.
Yes, you can. Unlike other services, Microsoft does not require Family plan members to live at the same address. Every six people get their own account, 1TB storage, and Copilot access.
Yes, within 60 days. If a product you purchased from the Microsoft Store drops in price, contact Microsoft for a refund of the difference.
Your OneDrive files remain accessible, but you cannot add new ones if you exceed the free 5GB quota. You will lose access to the desktop apps and must use the free web versions of the programs. Microsoft gives you some grace period to download/delete your files before storage enforcement.
Depends on your usage. Free Copilot can answer basic questions. Paid tiers provide Copilot integration with Word, Excel, and PowerPoint for writing documents, analysis, and presentations generation. Premium also provides the highest limits and agent features. For frequent work with documents, the integration will increase productivity.
Month-to-month plans can be canceled at any time without any penalties. The annual plans can be canceled within 30 days with a full refund. After 30 days of annual plan subscription, you will have access until the end of the paid period but no prorated refund.