by Microsoft · Productivity
Worth it if you'd pay for Office apps and 1 TB or more of cloud storage anyway, and want Copilot inside them.
Skip if you only want an AI chat app and don't need Word, Excel or the storage.
Start free if the free plan covers you: Limited usage with a free Microsoft account for basic functionalities.
| Plan | Monthly USDCAD | Yearly USDCAD/mo | Limits, in Microsoft’s words |
|---|---|---|---|
| Microsoft 365 PersonalBest for the lowest paid price | $9.99CA$11.50 Official CAD | $8.33CA$9.58 Official CADbilled $99.99billed CA$115 yearly Save 17% | Higher usage than free for visual AI assistance, AI-generated audio (English only), and AI image creation |
| Microsoft 365 Family | $12.99CA$14.50 Official CAD | $10.83CA$12.08 Official CADbilled $129.99billed CA$145 yearly Save 17% | Higher usage than free for visual AI assistance, AI-generated audio (English only), and AI image creation, but AI for… |
| Microsoft 365 Premium | $19.99CA$27.00 Official CAD | $16.67CA$22.50 Official CADbilled $199.99billed CA$270 yearly Save 17% | Extensive usage for visual AI assistance, AI-generated audio (English only), and AI image creation |
| Free CopilotBest for trying it before you pay | Free | — | Limited usage with a free Microsoft account for basic functionalities |
Before tax, from Microsoft’s official pricing page ↗. ≈ = converted from USD at 1.4196 (Bank of Canada, Oct 15). Other CAD prices are the vendor’s own Canadian price or the App Store Canada price. Hover a price for its label and checked date.
Personal $9.99/mo or $99.99/yr, Family $12.99 or $129.99/yr, Premium $19.99 or $199.99/yr (annual shown per month). Copilot Pro is retired: Microsoft stopped selling it in Oct 2025 and folded it into M365 Premium; existing subs stopped renewing Aug 1, 2026.
Free plan: Limited usage with a free Microsoft account for basic functionalities.
| Plan | Monthly USDCAD | Yearly USDCAD/mo | Checked |
|---|---|---|---|
| Microsoft 365 PersonalBest for the lowest paid price | $9.99CA$11.50 Official CAD+ 13% HST = CA$13.00/mo in ON | $8.33CA$9.58 Official CADbilled $99.99billed CA$115 yearly Save 17%+ 13% HST = CA$10.83/mo in ON | Verified · Source for Microsoft 365 Personal: Microsoft pricing page ↗Checked · microsoft.com (source for this CAD price) ↗ |
| Microsoft 365 Family | $12.99CA$14.50 Official CAD+ 13% HST = CA$16.39/mo in ON | $10.83CA$12.08 Official CADbilled $129.99billed CA$145 yearly Save 17%+ 13% HST = CA$13.65/mo in ON | Verified · Source for Microsoft 365 Family: Microsoft pricing page ↗Checked · microsoft.com (source for this CAD price) ↗ |
| Microsoft 365 Premium | $19.99CA$27.00 Official CAD+ 13% HST = CA$30.51/mo in ON | $16.67CA$22.50 Official CADbilled $199.99billed CA$270 yearly Save 17%+ 13% HST = CA$25.43/mo in ON | Verified · Source for Microsoft 365 Premium: Microsoft pricing page ↗Checked · microsoft.com (source for this CAD price) ↗ |
| Free CopilotBest for trying it before you pay | Free | — | Verified · Source for Free Copilot: Microsoft pricing page ↗Verified · Source ↗ |
USD from Microsoft’s US pricing page, before tax. Switch to CAD to see Canadian prices with sales tax.Official CAD = Microsoft’s page shows CAD to Canadians. App Store CAD = Apple App Store Canada (web checkout may differ). Estimate (≈) = USD × 1.4196, Bank of Canada, Oct 15, 2026. Tax is an estimate: what you pay depends on the vendor’s GST/HST registration. Yearly totals with tax
Tracking started . No price or plan changes confirmed since then.
| Tool | Cheapest paid USDCAD/mo | Free plan | Compare |
|---|---|---|---|
| GammaVerified Gamma | $12.00≈CA$17.04 Estimate | Yes | Microsoft Copilot / 365 vs Gamma |
| Notion AIVerified Notion | $12.00CA$14.99 App Store CAD | Yes | Microsoft Copilot / 365 vs Notion AI |
| Wispr FlowVerified Wispr | $15.00CA$18.00 Official CAD | Yes | Microsoft Copilot / 365 vs Wispr Flow |
| Otter.aiVerified Otter.ai | $16.99≈CA$24.12 Estimate | Yes | Microsoft Copilot / 365 vs Otter.ai |
| Fireflies.aiPartly verified Fireflies.ai | $18.00≈CA$25.55 Estimate | Yes | Microsoft Copilot / 365 vs Fireflies.ai |
Prices checked – against official pricing pages. Before tax. ≈ = converted from USD at 1.4196 (Bank of Canada, Oct 15). Other CAD prices are the vendor’s own Canadian price or the App Store Canada price. Hover a price for its label and checked date.
Options for productivity that you can run yourself or use on a hosted service. Checked .
| Your setup | Option | Licence or price | Needs / free tier |
|---|---|---|---|
| Windows or Linux PC with an NVIDIA GPU | LM Studio ↗ | Proprietary app, free (CLI 'lms' MIT) | Apple Silicon M1+ macOS 14+, 16GB+ RAM rec.; Windows AVX2, 16GB RAM, 4GB+ VRAM rec. |
| Apple Silicon Mac or CPU only or a laptop | Ollama ↗ | MIT | Runs on macOS/Windows/Linux; RAM needs scale with model (8B ≈ 8–16GB RAM) |
| No hardware (hosted) | OpenRouter (free models) ↗ | Pay per token for paid models; ':free' model variants $0 | Yes: free models 20 req/min, 50/day (1000/day after $10 lifetime credit purchase) |
We haven’t recorded a public leaderboard ranking for this use yet, so these aren’t ranked by quality.
More free options for productivity
USD prices from Microsoft's official pricing page (US version, before tax), last verified . A script re-checks that every listed price still appears on that page, and nothing here changes until a person confirms it. Each CAD price shows where it came from and when we checked it; estimates use the Bank of Canada rate (1.4196, Oct 15, 2026). Usage limits, credits and models are quoted from the vendor’s page; “Not published” means the page doesn’t say. Full method