Is Copilot Pro worth it? Microsoft stopped selling it, and $19.99 Microsoft 365 Premium replaced it

Can you still buy Copilot Pro? No, and four Microsoft 365 plans split what it did

Microsoft launched Copilot Pro on 15 January 2024 at $20 a month and took it off sale when Microsoft 365 Premium launched on 1 October 2025. Its Copilot Pro support page, read on 12 October 2026, says: "Copilot Pro is no longer available for purchase; existing subscribers can continue using it until they cancel or support ends on August 1, 2026."

The squares come from Microsoft's own AI limits page, last updated October 2026. It rates ten Copilot features on each plan, in words, not numbers. An eleventh row, priority access, says Yes on all four, so it isn't counted. Chat, deep reasoning and Pages get "Extensive usage" on all four plans. That's most of what Copilot Pro used to sell. The $10 step from Personal to Premium adds Researcher, Analyst and Cowork. The $80 step from Premium to Pro adds "Highest usage" on voice and vision, and 5 TB of storage.

What does Microsoft 365 Premium add over Personal and Family?

Microsoft 365 Premium adds three agents the cheaper plans don't have: Researcher, Analyst and Cowork. The pricing page sells them as AI for "advanced research and analytics". Cowork is still a preview, and Microsoft offers it only in the US and Canada.

Premium also lifts four rows. Audio Overview and image generation go from "Standard usage" to "Extensive usage". Voice and vision go from "Standard" to "More". No row has a number on it. Microsoft says limits "may vary based on the feature, entry point, and system conditions."

Price the step against the plan you'd buy anyway. Premium is $199.99 a year and Family is $129.99, so a household pays $70 a year for the agents. A single user on Personal at $99.99 pays $100 more. Billed monthly, the gaps are $7 and $10.

Everyone on the plan but you misses out on it. Microsoft's Premium FAQ says the five extra people share apps and storage, "but only the subscription owner can use AI features and can't share them." Your partner on a six seat Premium plan gets Word. They don't get Researcher.

The storage got smaller in October 2026, too. From 8 October, new Family and Premium subscribers get 2 TB pooled across everyone. The Premium launch post had promised 1 TB per person. Existing subscribers move to the 2 TB pool when they renew on or after 2 May 2027.

Is Microsoft 365 Premium worth it?

Microsoft 365 Premium is worth it in three cases. You paid for Copilot Pro on top of Personal or Family. You run Researcher or Analyst most weeks. Or you'd buy Family anyway and $70 a year for the agents is small money to you. If you use Copilot in Word and Outlook a few times a week, Personal at $9.99 already puts it in the desktop apps.

If that was you, the math is plain. Copilot Pro at $20 plus Personal at $9.99 came to $29.99 a month. Premium is $19.99, which saves $120 a year. Microsoft told those buyers they would "get everything they had before while enjoying meaningful savings."

Outside of Office, there's a lot that $20 can buy. ChatGPT Plus is $20 a month, per OpenAI's help center. Claude Pro is $20, or $17 a month billed yearly. Google AI Pro is $19.99 with 5 TB of storage, and Google's plans page says family members "can enjoy AI benefits and features at no extra cost." Microsoft keeps its AI with the owner. If you don't open Word or Excel most days, Premium's best feature goes unused. Is Google AI Pro worth it covers the closest rival.

Is Microsoft 365 Pro worth $99.99 a month?

Microsoft 365 Pro is worth it for very few people. It was on sale by 8 October 2026, at $99.99 a month, and you can only pay for it by the month. That's $1,199.88 a year, six times Premium's $199.99 yearly price. On the limits table it beats Premium on two of ten rows: voice and vision, "Highest usage" against "More usage". The other eight read the same.

Microsoft's own pages disagree on the rest. The pricing page gives Premium "Limited usage for agentic AI" and Pro "Highest usage for agentic AI". The limits page rates Researcher, Analyst and Cowork "Extensive usage" on both. And the old Copilot Pro page still says Premium "offers the highest Copilot usage limits". That stopped being true when Pro arrived.

Buy Pro only after Premium has cut you off mid task more than once. It bills by the month, so one month is a cheap test. The 5 TB matters only if your household fills 2 TB.

What happened to people who still had Copilot Pro?

Copilot Pro support ended on 1 August 2026, and Microsoft hasn't said what it did with plans nobody cancelled. The support page calls Premium "one option" after Copilot Pro ends and links a guide to switching. It doesn't describe an automatic move.

Check account.microsoft.com/services. A renewal date beside Copilot Pro means a charge is coming. An end date means it isn't. Our Copilot Pro cancel guide has the steps, the App Store and Google Play routes, and Microsoft's 30 day refund rule.

If you're weighing what you lose, here it is. On its own, Copilot Pro put Copilot in the web versions of Word, Excel, PowerPoint and Outlook. It reached the desktop apps only for people who also paid for Personal or Family. Every plan in the table above now does that by itself.

Is GitHub Copilot Pro worth it? It's a $10 coding plan

GitHub Copilot Pro is a separate $10 a month coding plan, and it's still on sale. GitHub's plans page, read 12 October 2026, gives it 1,500 GitHub AI credits a month: 1,000 base plus 500 flex. Pro+ is $39 for 7,000. Copilot Max is $100 for 20,000.

Copilot Free caps code completions at 2,000 a month. GitHub says completions "remain unlimited for all paid plans". So the $10 plan pays once you code most days and hit that cap. Pro+ pays only if premium models drain your credits before the month ends. Verified students get Copilot Student free, and some teachers and open source maintainers get Pro free. For the habits that keep AI from breaking a repo, see how to use AI for coding.

Which plan should you buy instead of Copilot Pro?

If you want ChatGPT and Claude in one chat window, Whizi Starter is $15.99 a month for ChatGPT Luna, Claude Haiku and Whizi AI. It loses to Premium on everything inside Office, because Whizi doesn't run in Word or Excel. On the website, a chat answer can hand you a .docx, .xlsx or .pptx file instead. The Copilot alternatives page sorts the other options by how you work.