FIELD NOTES / BUYER’S GUIDE

Microsoft 365 Copilot pricing in Australia: AUD plans, licences and a cost calculator

See Microsoft 365 Copilot prices in Australian dollars, whether a bundle or add-on costs less, what Copilot Chat and Cowork include, how to buy and cancel, and estimate your licence cost.

By Find AI Consultants · AI-assisted research and writing · Updated 24 October 2026

Quick answer (prices checked 24 October 2026)

Small business add-on (Microsoft 365 Copilot Business, up to 300 users): AU$31.40 per user per month paid yearly, or AU$26.91 for the first year under a promotion that runs to 31 December 2026. AU$37.68 on a monthly subscription.
Plans with Copilot built in: Business Standard with Copilot AU$35.20 and Business Premium with Copilot AU$47.90 per user per month, paid yearly.
Enterprise add-on: AU$44.90 per user per month, paid yearly. Included in Microsoft 365 E7 (AU$148.20).
Microsoft’s Australian business prices exclude GST. Copilot Chat is included at no extra cost with eligible plans. Copilot Cowork is charged separately by usage.

Which Copilot are you pricing?

Microsoft uses several similar names, and they change. On Australian pricing pages:

Microsoft 365 Copilot Chat: AI chat with enterprise data protection, mostly grounded in the web. No extra cost with an eligible work account.
Microsoft 365 Copilot Business: the full licensed Copilot, as an add-on for business plans up to 300 users.
Business Standard or Premium with Copilot: the base plan and Copilot sold as one licence.
Microsoft 365 Copilot: the same licensed Copilot as an add-on for enterprise plans, with no user cap.
Copilot Cowork: a feature of the paid licence that carries out multi-step tasks, charged by usage.
Microsoft 365 Personal, Family and Premium: plans for individuals, not for a business tenant.

Australian prices.

Per user per month, excluding GST, as shown on Microsoft Australia’s pages on 24 October 2026. New purchases at list price; existing customers may be on older prices until renewal.

Small and medium business (up to 300 users)
Plan	Paid yearly	Monthly subscription
Copilot Business (add-on)	AU$31.40 (AU$26.91 first-year promotion)	AU$37.68
Business Standard with Copilot	AU$35.20	AU$42.24
Business Premium with Copilot	AU$47.90	AU$57.48
Business Basic (no Copilot)	AU$10.50	AU$12.60
Business Standard (no Copilot)	AU$21.00	AU$25.20
Business Premium (no Copilot)	AU$32.90	AU$39.48
Apps for business (no Copilot)	AU$15.80	Not shown

Enterprise (no user cap), paid yearly
Plan	Price	Copilot
Microsoft 365 Copilot (add-on)	AU$44.90	The licence itself
Microsoft 365 E3	AU$58.40	Add-on needed
Microsoft 365 E5	AU$89.80	Add-on needed
Microsoft 365 E7	AU$148.20	Included

Promotion terms on Microsoft’s pages: 1 July to 31 December 2026, annual commitment, first year only, existing customers with an eligible Business plan, not available on trials. Budget year two at list price. For individuals, Microsoft 365 Personal is AU$159 a year, Family AU$179 and Premium AU$329; Copilot Pro was not listed on the Australian page we checked.

Add-on or bundle? The maths most pages skip.

At the prices above, a business on Standard or Premium pays less by switching to the matching “with Copilot” plan than by keeping its plan and adding Copilot, even at the promotional add-on price:

Business Standard AU$21.00 + Copilot Business AU$26.91 = AU$47.91, compared with Business Standard with Copilot at AU$35.20.
Business Premium AU$32.90 + Copilot Business AU$26.91 = AU$59.81, compared with Business Premium with Copilot at AU$47.90.

Our arithmetic, per user per month, excluding GST. The add-on still matters if you are on Business Basic or Apps for business, or only want Copilot for some staff. Licences are per user, so you can licence part of your team. Switching a subscription mid-term has its own rules; confirm them with Microsoft or your partner first.

FREE CALCULATOR / MICROSOFT LIST PRICES

Estimate your Copilot licence cost.

Uses Microsoft’s published Australian list prices, checked 24/10/2026. It does not include usage-based charges (Cowork, agents), partner pricing or services. Nothing you enter is saved or sent.

People who need CopilotYour current planHow to add CopilotTerm and billingShow prices including GST

Microsoft 365 Copilot Business (add-on) at $26.91 per user per month (excluding GST)

Copilot cost, year one: $3,229.20, excluding GST.

Year two at list price: $3,768.00.

Your current plan for the same people: $2,520.00 a year, so $5,749.20 in total in year one.

The first-year promotional price applies to annual commitments started by 31 December 2026. Year two is shown at list price.

Our arithmetic on Microsoft’s list prices. Microsoft, resellers and Enterprise Agreements may charge differently, and prices change. Get a written quote before you buy.

Do you qualify?

According to Microsoft’s licensing page, Copilot Business can be added to Microsoft 365 Business Basic, Standard, Premium, Apps for business and Teams Essentials, up to 300 licences per tenant. The enterprise add-on works with Microsoft 365 E3, E5, F1 and F3, Office 365 E1, E3 and E5, and a range of other plans; E7 already includes it. Consumer plans cannot be used for a business tenant. Copilot in Teams needs a Teams licence.

Free Copilot Chat or the paid licence?

Copilot Chat gives web-grounded chat, file upload and image generation with enterprise data protection, plus some work content in supported Outlook scenarios. The paid licence reasons across your emails, meetings, chats and files, puts Copilot inside Word, Excel, PowerPoint and OneNote with priority access, and includes agents such as Researcher and Analyst. Microsoft describes Chat’s Outlook access differently on different pages; we have followed its most recent help page. Both respect your existing Microsoft 365 permissions, so check sharing settings before rollout.

Copilot Cowork, explained.

Microsoft describes Cowork as a feature that carries out tasks for you: you describe what you need, and it sends emails, schedules meetings, creates documents and posts in Teams, asking you to approve each action first. It became generally available to Microsoft 365 Copilot customers worldwide on 16 June 2026.

Licence: needs a paid Copilot licence.
Cost: billed in Copilot Credits on top of the licence. Microsoft quotes US$0.01 per credit pay-as-you-go; we found no Australian dollar rate.
Access: off until an admin turns on usage-based billing and sets a spending policy. Microsoft notes that a spending policy also grants access, even with a small limit.
Data: Microsoft commits to storing Cowork prompts and responses in Australia for tenants based here. It does not say where processing happens.

Building your own agents? A Copilot Studio capacity pack is AU$299.30 a month for 25,000 credits, excluding GST. See our Copilot Studio course guide.

Buying and cancelling licences.

Where to buy: directly in the Microsoft 365 admin centre, through a Microsoft reseller (Cloud Solution Provider partner), or through Microsoft’s enterprise agreements for large organisations.
Partner prices: Microsoft says resellers set their own pricing and bill you directly, so a partner’s price can differ from the list price.
Cancelling: Microsoft’s Australian FAQ says monthly subscriptions can be cancelled without penalty, annual commitments paid monthly may incur penalties, and annual commitments paid upfront are not refunded. There is a 7-day window for a prorated refund after purchase.
Usage charges: some AI features, including Cowork and agents, can add charges beyond your licence fees.

Who can help with rollout.

These listings publish Microsoft 365 Copilot readiness, rollout or adoption services, checked 18 to 22 October 2026. Alphabetical, not ranked. None of the evidence we hold shows Microsoft licence reselling, so ask whether a provider sells licences or only delivers services. We have not verified partner status claims with Microsoft.

Brennan: a Copilot readiness assessment with data loss prevention scope.
Data#3: Copilot business case, readiness, training and adoption services.
Engage Squared: a published Copilot adoption pilot with training for Orica.
Evocate: AI readiness, Copilot adoption and Copilot Studio agents.
Exco Partners: Copilot agents and adoption, with a City of Melbourne pilot account.
Hyperware: Copilot readiness, use-case design, pilots and controlled expansion.
Insight Australia: a pilot-led Copilot rollout account for Beyond Bank.
Professional Advantage Australia: readiness, deployment and training for Copilot and Copilot Studio.
Rodin: a Copilot integration page covering readiness, governance and enablement.
Tridant: a Copilot readiness assessment of the IT environment and Microsoft 365 usage.
WebVine: Copilot readiness and governance, training and custom agents.

Browse every listing that mentions Copilot. Choosing between training, readiness and agent work? Read our Copilot training buyer’s guide.

Questions to ask a partner

Do you resell licences, and is your price different from Microsoft’s Australian list price?
Which term and billing frequency are you quoting, and what are the cancellation rules?
Is the promotion applied, and what is the year-two price?
Will usage-based billing be switched on, and who sets the spending limits?
Are services such as readiness and training quoted separately from licences?

Common questions.

How much does Microsoft 365 Copilot cost in Australia?

For businesses up to 300 users, AU$31.40 per user per month paid yearly (AU$26.91 in the first year until 31 December 2026), or AU$37.68 on a monthly subscription. The enterprise add-on is AU$44.90. All exclude GST.

Is Copilot included in Microsoft 365 for business?

Copilot Chat is included with eligible plans. The full licensed Copilot is included only in Business Standard with Copilot, Business Premium with Copilot and Microsoft 365 E7.

Are Microsoft’s prices GST inclusive?

No. Microsoft’s Australian business pages show prices excluding GST; GST is added at checkout.

Do I need a minimum number of licences?

No minimum is stated. Business plans and Copilot Business are capped at 300 users per tenant.

What is Copilot Cowork, and does it cost extra?

A feature of the paid licence that carries out multi-step tasks after you approve them. It is billed by usage in Copilot Credits on top of the licence.

Is Copilot Pro still available?

Microsoft’s Australian home plans page lists Microsoft 365 Premium (AU$329 a year) and did not list Copilot Pro when we checked.

Sources and method

Prices read from Microsoft Australia pages on 24 October 2026, shown excluding GST as Microsoft displays them. Sums and GST at 10% are our calculation. Partner prices may differ. Find AI Consultants does not sell Microsoft licences and has no affiliate relationship with Microsoft. See our methodology.

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