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Copilot cost and payback calculator

What would Microsoft Copilot cost your team, and how much time does it have to save to pay for itself? Change the numbers to fit your business.

Microsoft’s first-year offer applies to Copilot Business bought by December 31, 2026; after the first year it’s $21. Every Copilot Business option is a yearly plan.

Think of the email, meeting notes, documents and searching it would take off their plate. Try a low number first.

Pays for itself if it saves each person

min a week

Cost

a month

Time saved (your guess)

hours a month

Left over each month

Before you buy

  • Start free. Copilot Chat is included at no extra cost with Microsoft 365 business plans. It drafts, summarizes and answers questions about files you give it. The paid seat adds Copilot inside Outlook, Teams, Word and Excel, working from your own email, meetings and files.
  • Copilot Business is a yearly plan for businesses with up to 300 people, with a one-month free trial. You don’t need it for everyone: give it to the people who spend the most time on email, meetings and documents.
  • The savings depend on the jobs you point it at. An agent that drafts quotes from your past quotes saves far more than general chat. That’s what our assessment finds.

Prices in US dollars per person per month before tax, from Microsoft’s pricing pages, last checked September 25, 2026. Microsoft can change them, and they vary by country. Hourly values are our defaults; use your own.

From the team behind these tools

Want to know where AI could save your business hours every week?

Sierrix’s AI interviewer calls you for about 15 minutes and asks how your business really runs. You get a practical automation plan built on the tools you already use, with a specialty in Microsoft 365 and Copilot, reviewed by a person before it reaches you.