Here’s the first big catch: The newly expanded paid 365 plans don’t give you unlimited access to Microsoft’s AI features. Instead, you get a monthly allotment of credits that Microsoft says “…should be enough for most subscribers.” In practice, that appears to be 60 credits per month — meaning you can use AI features 60 times per month. After that, you’ll need to pay for a $20-per-month Copilot Pro subscription to keep using those AI features.
Chris Hoffman, IDG
Note: These AI credits are actually shared across various other Microsoft apps — including for AI image generation in Designer, Paint, and Photos and text-editing work in Notepad. They’re not just for Word, Excel, and PowerPoint.
Plus, again, Microsoft is raising its 365 subscription prices, with Copilot bundled into the mix. They’re going up by $3 per month in the US, though the exact price increase will vary by country. For the yearly plans in the US, Microsoft 365 Family goes from $100 to $130 per year, and Microsoft 365 Personal goes from $70 to $100 per year.
