Microsoft Copilot Pricing in Canada 2026
Quick Summary: Microsoft Copilot Pricing in CAD
Quick answer: Microsoft Copilot has 4 main plans in Canada — Free ($0), Pro (~$27 CAD/mo), Microsoft 365 Copilot (~$41 CAD/user/mo), and GitHub Copilot (from ~$14 CAD/mo). All paid plans billed in USD; your bank converts to CAD.
* CAD prices based on USD pricing x 1.36 exchange rate. Actual charges vary with exchange rates and bank fees.
Understanding Copilot Pricing for Canadians
Microsoft prices Copilot subscriptions in US dollars, which means Canadian users need to account for currency conversion. With multiple Copilot products spanning personal use, business productivity, and software development, choosing the right plan can be confusing. Here is everything you need to know about Microsoft Copilot pricing in Canada as of early 2026.
Important for Canadian Users: All prices are charged in USD. Your bank will convert to CAD at their exchange rate, which typically adds 2.5-3% to the converted amount. We use a 1.36 USD/CAD rate throughout this guide.
Complete Pricing Comparison
| Feature | Free | Pro | M365 Copilot | GitHub Copilot |
|---|---|---|---|---|
| USD Price | $0 | $20/mo | $30/user/mo | $10-39/user/mo |
| Approx CAD Price* | $0 | ~$27/mo | ~$41/user/mo | ~$14-53/user/mo |
| Yearly Cost (CAD) | $0 | ~$326 | ~$490/user | ~$163-636/user |
| GPT-4 Access | Basic | Priority GPT-4 Turbo | Full (in M365 apps) | Code-focused |
| Image Generation | Limited | DALL-E 3 boosts | In Designer | - |
| Word/Excel/PPT | - | With M365 sub | Full integration | - |
| Outlook/Teams | - | - | Full integration | - |
| Code Completion | - | - | - | Full IDE integration |
| Web Search | ✓ | ✓ | ✓ | - |
| Microsoft Graph | - | - | ✓ Enterprise data | - |
| Admin Controls | - | - | ✓ | Business/Enterprise |
| Data Privacy | Standard | Standard | Enterprise-grade | Business/Enterprise |
Copilot Free
The free tier gives Canadian users access to Microsoft Copilot's core chat capabilities. It is powered by GPT-4 and available through copilot.microsoft.com, the Copilot app, or directly in Windows and Edge.
What's Included:
- • Basic Copilot chat with GPT-4 access
- • Web-grounded answers with Bing search integration
- • Limited image generation with DALL-E 3
- • Text summarization and writing assistance
- • Available on web, Windows, mobile, and Edge sidebar
Best for: Casual users, students, anyone exploring AI assistants for the first time
Copilot Pro
Copilot Pro is aimed at individuals who want faster performance, priority model access, and the ability to use Copilot inside Microsoft 365 desktop apps like Word, Excel, and PowerPoint.
What's Included:
- • Priority access to GPT-4 and GPT-4 Turbo during peak times
- • Copilot in Microsoft 365 apps (Word, Excel, PowerPoint, Outlook, OneNote)
- • DALL-E 3 image generation boosts (100 boosts/day)
- • Faster image generation
- • Copilot GPT Builder for custom Copilots
- • Priority access to new features and models
Best for: Freelancers, solo professionals, and power users who want AI in their Microsoft 365 workflow
Note: Using Copilot inside Word, Excel, and other M365 apps requires a separate Microsoft 365 Personal ($9.99 CAD/mo) or Family ($12.99 CAD/mo) subscription.
Microsoft 365 Copilot
The flagship business offering. Microsoft 365 Copilot embeds AI directly into Word, Excel, PowerPoint, Outlook, and Teams with enterprise-grade security and access to your organization's data through Microsoft Graph.
What's Included:
- • Copilot embedded in Word, Excel, PowerPoint, Outlook, and Teams
- • Microsoft Graph grounding (AI accesses your org's emails, files, meetings)
- • Enterprise data security and compliance
- • Admin controls and usage analytics
- • Copilot Studio for custom agents and workflows
- • Microsoft 365 Chat for cross-app AI queries
- • Data does not leave your Microsoft 365 tenant
Best for: Teams and organizations heavily using Microsoft 365 who want AI-powered productivity across all apps
Prerequisite: Requires Microsoft 365 Business Standard, Business Premium, E3, or E5 subscription (not included in the $30/user price).
Need help rolling out Copilot across your organization? Get a free deployment plan
GitHub Copilot (for Developers)
GitHub Copilot is Microsoft's AI coding assistant, separate from the Microsoft 365 Copilot lineup. It provides real-time code suggestions, chat, and code explanation directly in your IDE.
Tier Breakdown:
Code completions, chat in IDE, multi-model support. Great for solo devs and open-source contributors.
Everything in Individual plus organization-wide policy management, IP indemnity, and audit logs.
Everything in Business plus fine-tuned models on your codebase, knowledge bases, and advanced security features.
Best for: Software developers, engineering teams, and organizations with custom codebases
Microsoft 365 Integration: The Key Differentiator
The biggest advantage Microsoft Copilot has over competitors like ChatGPT is its deep integration with the Microsoft 365 suite. Here is how Copilot works inside the apps your team already uses every day:
Word
Draft documents from prompts, rewrite sections, summarize long documents, change tone and style. Copilot can reference your existing files to maintain consistency.
Excel
Analyze data with natural language, generate formulas, create charts, identify trends, and build pivot tables by describing what you need in plain English.
PowerPoint
Generate entire presentations from a prompt or existing document. Add slides, redesign layouts, summarize decks, and create speaker notes automatically.
Outlook
Summarize email threads, draft replies with context, schedule meetings, and prioritize your inbox. Copilot reads the full conversation chain for context.
Teams
Real-time meeting summaries, action item extraction, catch up on missed meetings, and generate follow-up messages based on meeting discussions.
Microsoft 365 Chat
Ask questions across all your M365 data — emails, files, chats, meetings — from a single interface. Your personal AI that knows your work context.
Microsoft Copilot vs ChatGPT: Quick Comparison
Both are powered by OpenAI models, but they serve different purposes. Here is how they compare for Canadian users:
| Criteria | Microsoft Copilot | ChatGPT |
|---|---|---|
| Best for | Microsoft 365 users | General AI tasks |
| Integration | Word, Excel, PPT, Teams | Custom GPTs, API |
| Pro/Plus Price (CAD) | ~$27/mo | ~$27/mo |
| Business Price (CAD) | ~$41/user/mo | ~$34/user/mo |
| Enterprise Data | Microsoft Graph | API integrations |
| Custom AI Agents | Copilot Studio | Custom GPTs |
Want the full ChatGPT pricing breakdown? See our ChatGPT Pricing Canada 2026 guide for a complete comparison of all ChatGPT plans in CAD.
GitHub Copilot: Pricing for Canadian Developers
GitHub Copilot is a separate product from Microsoft Copilot, focused entirely on software development. It integrates with VS Code, JetBrains, Neovim, and other IDEs to provide real-time code suggestions, test generation, and code explanation.
| Feature | Individual | Business | Enterprise |
|---|---|---|---|
| USD Price | $10/mo | $19/user/mo | $39/user/mo |
| Approx CAD | ~$14/mo | ~$26/user/mo | ~$53/user/mo |
| Code Completions | ✓ | ✓ | ✓ |
| Chat in IDE | ✓ | ✓ | ✓ |
| IP Indemnity | - | ✓ | ✓ |
| Fine-tuned Models | - | - | ✓ |
| Knowledge Bases | - | - | ✓ |
| Org Policy Controls | - | ✓ | ✓ |
GitHub Copilot is free for verified open-source maintainers and students through the GitHub Education program. Canadian students with a valid .edu email or university verification can apply for free access.
🍁 Tips for Canadian Subscribers
Frequently Asked Questions
How much does Microsoft Copilot Pro cost in Canada?
Microsoft Copilot Pro costs approximately $27 CAD per month (USD $20 plus currency conversion). This gives you priority GPT-4 Turbo access, DALL-E 3 boosts, and Copilot in Microsoft 365 desktop apps. Note that a separate Microsoft 365 Personal or Family subscription is required for the M365 app integration.
Is Microsoft Copilot free in Canada?
Yes, the basic Microsoft Copilot is free for all Canadian users. It includes GPT-4 access, web search, limited image generation, and basic chat. You can use it at copilot.microsoft.com, through the Copilot app, or in the Edge browser sidebar.
Do I need a Microsoft 365 subscription for Copilot?
For the free Copilot chat, no. For Copilot Pro to work inside M365 apps, you need Microsoft 365 Personal or Family. For the business Microsoft 365 Copilot, you need M365 Business Standard, Business Premium, E3, or E5. The Copilot add-on is an additional cost on top of the M365 subscription.
Is Microsoft 365 Copilot worth $30/user/month?
For knowledge workers who spend significant time in Microsoft 365 apps, the productivity gains can justify the cost. Microsoft estimates an average of 1.2 hours saved per week. At ~$41 CAD/user/month, a worker earning $60K/year breaks even if Copilot saves just 45 minutes per week. The ROI is strongest for roles involving heavy document creation, email, and meetings.
How does GitHub Copilot pricing work in Canada?
GitHub Copilot has three tiers: Individual at USD $10/month (~$14 CAD), Business at USD $19/user/month (~$26 CAD), and Enterprise at USD $39/user/month (~$53 CAD). All are billed in USD. Students and open-source maintainers can apply for free access through GitHub Education.
Is Copilot better than ChatGPT for business?
It depends on your workflow. Microsoft 365 Copilot is ideal if your team uses Word, Excel, PowerPoint, Outlook, and Teams daily, since it works directly inside those apps and can access your organization's data via Microsoft Graph. ChatGPT is more versatile for general-purpose tasks, custom GPTs, and API-based automation. Many Canadian businesses use both — Copilot for daily M365 productivity and ChatGPT for broader AI tasks.
Which Copilot Plan Should You Choose?
You want a basic AI assistant for occasional questions, web searches, or writing help without any cost
You are an individual who uses Microsoft 365 daily and wants AI-powered drafting, analysis, and image generation inside your apps
Your organization runs on Microsoft 365 and you need enterprise-grade AI with data security, admin controls, and Microsoft Graph integration
You are a developer who wants AI-powered code completion, chat, and code explanation directly in your IDE
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