Microsoft 365

What is Microsoft 365?

Microsoft 365 is the subscription version of Word, Excel, PowerPoint and Outlook, plus 1 TB of OneDrive storage. Personal fits one person, Family fits a household of up to six. If you only open the odd document, the free web apps may be all you need.

What the plans include

According to Office Watch's 2026 overview, all three consumer plans include the desktop Office apps for Windows or Mac on up to five devices, 1 TB of OneDrive, OneNote and extras in Designer and Clipchamp. Access and Publisher are Windows-only, and Publisher ends in October 2026. The difference between plans is AI and sharing: Personal and Family give the account owner 60 AI credits a month, while Premium adds much more Copilot access. In Family and Premium, the people you share with get no extra Copilot access.

Pricing and the Copilot price rise

The US list prices are $99.99 a year for Personal, $129.99 for Family and $199.99 for Premium. Before January 2025, Personal was $69.99 a year and Family $99.99, so Microsoft raised both when it added Copilot. Some countries also show a first-year 50% promotion on Premium. Microsoft's own pages for our automated check would not load, so confirm the price in your region, since our fetch was redirected to a Czech-language page.

Where the Black Friday deals come from

Microsoft rarely discounts directly. The deals come from retailers, who sell a 12-month subscription as a product key or digital code. Our stored record for 2025 shows a Newegg bundle on 28 November pairing Personal with a year of NordVPN Basic for $46. Older coverage mentions Amazon at $49.99 against $69.99 for Personal, but the year was not stated, so we list no 2022 to 2024 deal. A retailer key adds time to an existing subscription, which is why buying a year ahead works.

Who should skip it

People who only write simple documents and use Google Docs. And anyone tempted by a suspiciously cheap key from an unknown marketplace: stick to large retailers.

Decision rule: buy Family if two or more people use Office, otherwise Personal, and look for a retailer key at roughly half of list price in late November.

Key features

• Desktop Word, Excel, PowerPoint and Outlook
• 1 TB OneDrive per person
• Install on up to five devices
• 60 monthly AI credits for the plan owner
• OneNote included
• Designer and Clipchamp extras
• Family sharing for up to six people
• Premium tier with extra Copilot access

Use cases

• Household with a shared family subscription
• Student or freelancer needing offline Excel
• Backing up photos to OneDrive
• Buying a retailer key in a Black Friday sale

Microsoft 365 pricing

As of October 2026, US list prices per year from Office Watch's overview (Microsoft's own page would not load for us).