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Microsoft Copilot

M365-native drafting, meetings, Excel/Outlook work; tenant agents — for businesses on microsoft 365 (5–300+ seats).

Best-fit jobs

M365-native drafting, meetings, Excel/Outlook work; tenant agents

Best-fit businesses

Businesses on Microsoft 365 (5–300+ seats)

Integration effort

Days to weeks; needs base M365 license

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What it really costs

Pricing model from the October 2026 comparison matrix. Figures marked (est.) are triangulated from secondary sources, not vendor-published; (secondary) figures come from secondary reporting.

Business add-on $21/user/mo ($18 promo thru 12/31/26); Enterprise $30/user/mo + base license; Copilot Studio $200/tenant/mo (25K credits); Agent 365 $15/user/mo

From the research report

Landscape Report, October 2026 edition — §1.5.

Standout: Native M365 grounding (Word/Excel/PowerPoint/Outlook/Teams/SharePoint) + Copilot Chat hub. 2026 agentic push: Copilot Cowork (June 2026 — delegated long-running work in the M365 cloud), Copilot Code (natural-language app building), Autopilot (persistent agent with identity/memory/workspace — private preview), Agent 365 (governance control panel: agent inventory, access, compromise status, AI spend management). Multi-model backend: OpenAI GPT-5.6/Astra-class models plus Claude Sonnet 5, tenant/admin-controlled.

Pricing (current, secondary, Sep–Oct 2026): M365 Copilot Business add-on: $21/user/mo annual ($18 promo through 12/31/2026; $25.20 monthly) — ≤300 seats; Enterprise M365 Copilot: $30/user/mo on top of base license (E3+Copilot ~$69, E5+Copilot ~$90 all-in). Bundles (7/1/26): Business Standard with Copilot $23.50, Business Premium with Copilot $32 (annual). Copilot Studio: $200/tenant/mo for 25,000 Copilot Credits (tenant-level pool) or pay-as-you-go. Agent 365: $15/user/mo standalone or bundled in M365 E7 "Frontier Suite" (E5+Copilot+Agent 365+Entra) at $99/user/mo (live 5/1/26). Copilot Pro retired for new customers; support ended 8/1/26.

Key limits: Copilot is an add-on — requires a base M365 license (headline prices understate real cost ~2–3x). Agent spend is consumption-billed via Copilot Credits; needs spend-limit governance (Agent 365).

Key limits

Headline understates real cost ~2–3x (base license required); consumption billing needs governance

Source: AI Agent Comparison Matrix + Landscape Report (October 2026). Every price is dated to a source in the underlying research; vendor-reported figures are labeled as such.

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