Microsoft 365 Copilot in Excel
by Microsoft
#2 in Analyze data & spreadsheetsBest for Excel users
If your data already lives in Excel, it's the cheapest paid option here at $9.99/mo with Microsoft 365 Personal, but files must sit in OneDrive.
What’s good
- Built into Excel on Windows, Mac, web, iOS and Android
- Edits formulas, tables and formatting; you review changes
- Prompts and file contents aren't used to train foundation models
Heads-up
- Needs AutoSave on, so files must be saved to OneDrive
- Usage limits apply; on Family, AI is for the owner only
The details
- Best for
- People who already work in Excel and want help with formulas, edits and analysis
- Price
- From $9.99/mo (Microsoft 365 Personal, $9.99/mo billed monthly ($99.99/yr); Family $12.99/mo, Premium $19.99/mo; for business, Microsoft 365 Business Standard with Copilot is $23.50/user/mo paid yearly)
- Free plan
- Excel for the web is free, but Copilot in Excel comes with Microsoft 365 Personal or higher; Personal has a 1-month free trial (card required, converts to paid)
- Skill level
- Any level
- Made by
- Microsoft
- Website
- microsoft.com
- Price checked
- Oct 2, 2026
Where it ranks
- #2Analyze data & spreadsheetsBest for Excel users
How I checked this
Researched, not tested hands-on: I read the official docs, pricing and terms.
What I found
- Built into Excel on Windows, Mac, web, iOS and Android
- Edits formulas, tables and formatting; you review changes
- Prompts and file contents aren't used to train foundation models
Watch out for
- Needs AutoSave on, so files must be saved to OneDrive
- Usage limits apply; on Family, AI is for the owner only
- Not verified: Exact Copilot usage caps per plan (Microsoft only says usage limits apply)
- Not verified: Monthly-billed prices for business plans (only 'paid yearly' shown)
Sources
- Microsoft: Excel plans and Copilot microsoft.com
- Microsoft: Compare Microsoft 365 plans microsoft.com
- Microsoft: Business plans and pricing microsoft.com
- Microsoft Support: Copilot in Microsoft 365 apps for home, your data and privacy support.microsoft.com
Compare with similar picks
| Rank in Analyze data & spreadsheets | #1 | #2 | #3 | #4 |
|---|---|---|---|---|
| Price | From $20/moPlus, $20/mo billed monthly ($16/mo billed yearly); 2,000 credits/month, 1 seat | From $9.99/moMicrosoft 365 Personal, $9.99/mo billed monthly ($99.99/yr); Family $12.99/mo, Premium $19.99/mo; for business, Microsoft 365 Business Standard with Copilot is $23.50/user/mo paid yearly | From $16.80/moWorkspace Business Standard, $16.80/user/mo on the flexible monthly plan ($14 with a 1-year commitment; intro discounts for new customers); individuals: Google AI Pro $19.99/mo | From $8/moMonthly only; no yearly billing for Go, Plus or Pro |
| Free plan | $0; daily credits; Julius Lite models | None for Copilot; Excel for the web is free; 1-month Personal trial | None; 14-day Google Workspace trial | Unlimited text chats; limited uploads, images, voice, deep research, memory; may show ads |
| Entry plan | Plus $20/mo monthly ($16/mo yearly); 2,000 credits/mo | Microsoft 365 Personal $9.99/mo or $99.99/yr | Business Standard $16.80/user/mo flexible or $14 annual; Google AI Pro $19.99/mo | Go $8/mo (Plus $20/mo; Pro from $100/mo) |
| What you get | Monthly credits: Plus 2,000; Pro 5,000 ($45); Max 25,000 ($200); Business 60,000 ($450, up to 50 members) | 'Usage limits apply'; Personal, Family and Premium get higher AI limits than free; Premium adds 'extensive usage' | Business Starter: Gemini in Workspace apps 'Limited', no Gemini in Sheets; Business plans max 300 users | Unlimited text chats; more uploads, images, voice, memory than Free; may include ads |
| Commercial use | Not published | Not published | Not published | Yes; terms say you own the Output |
| Works with | Google Drive, OneDrive, SharePoint; Snowflake, BigQuery, Postgres on paid plans; FAQ also lists MySQL, SQL Server | Works on Excel files saved to OneDrive; business Copilot plans add Researcher and Analyst agents | Sheets data connectors for Asana, HubSpot, Intuit QuickBooks, Salesforce; Connected Sheets; opens Excel files | Google Drive, Outlook, SharePoint, Slack, Notion, GitHub, Box via connected apps |
| Platforms | Web | Excel for Windows, Mac, web, iOS, Android | Google Sheets (web; Sheets also on phone and tablet) | Web, iOS, Android, Mac, Windows, Chrome extension |
| Your data | Vendor: data 'is not used to train any models'; encrypted in transit and at rest; stored in the US; deletion on request | Vendor: prompts, responses and file contents in Microsoft 365 apps 'aren't used to train foundation models' | Vendor: Workspace data 'is not reviewed by humans or otherwise used for generative AI model training outside your domain without permission' | Trains on chats by default; opt out: Settings > Data controls > Improve the model |
| Best for | Non-coders who want to chat with a spreadsheet and get charts back | People who already work in Excel and want help with formulas, edits and analysis | Teams on Google Workspace who keep their data in Google Sheets | Anyone who wants one AI for questions, writing, images and more |
| Skill level | Beginner-friendly | Any level | Any level | Any level |
| Try it free | Start free trial | Start free trial | Try it free |
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