Microsoft increased consumer prices by up to 40% in January 2025, adding AI features. Business users face 5% surcharge for monthly billing starting April 2025.
Consumer & Family Plans
Microsoft 365 Personal
For one person with AI-powered productivity
- Word, Excel, PowerPoint, Outlook, OneNote
- 1TB OneDrive cloud storage
- AI Copilot in all Office apps
- Works on 5 devices (PC, Mac, mobile)
- Premium mobile features
- Microsoft Defender security
Microsoft 365 Family
For up to 6 people with shared benefits
- Everything in Personal for 6 people
- 6TB total cloud storage (1TB each)
- Copilot AI for primary account
- Family safety & parental controls
- Shared calendars & to-do lists
- Individual Microsoft accounts
Office 2024 Home
One-time purchase, no subscription
- Word, Excel, PowerPoint, OneNote
- Use on 1 PC or Mac
- Works completely offline
- No cloud storage
- No AI/Copilot features
- No feature updates
Office 2024 Home & Business
For small business & commercial use
- Word, Excel, PowerPoint, OneNote, Outlook
- Commercial use rights
- Enhanced performance
- Use on 1 PC or Mac
- No Teams or cloud features
- No AI capabilities
Small & Medium Business Plans
Microsoft 365 Business Basic
Web apps with business email
- Web versions of Office apps
- Business email (50GB mailbox)
- Microsoft Teams
- 1TB OneDrive per user
- SharePoint collaboration
- No desktop applications
Microsoft 365 Business Standard
Full desktop apps plus business features
- Full desktop Office applications
- Business email & calendar
- Microsoft Teams
- 1TB OneDrive per user
- SharePoint & file sharing
- Webinar capabilities
Microsoft 365 Business Premium
Advanced security & device management
- Everything in Business Standard
- Advanced threat protection
- Device management & security
- Information protection
- Azure AD Premium P1
- Windows 10/11 Enterprise
Enterprise Plans
Microsoft 365 E3
Core enterprise productivity & security
- All Office applications
- Unlimited OneDrive storage
- Advanced threat protection
- Information protection
- eDiscovery & legal hold
- Windows 10/11 Enterprise
Microsoft 365 E5
Complete enterprise suite with analytics
- Everything in E3
- Advanced security analytics
- Power BI Pro included
- Advanced compliance
- Phone system & audio conferencing
- Microsoft Defender for Office 365
Microsoft 365 F3
For frontline workers
- Web and mobile Office apps
- Microsoft Teams
- SharePoint & Viva Connections
- 2GB OneDrive storage
- Enterprise security
- No desktop applications
Specialized Microsoft Products
Microsoft Teams Phone
Cloud-based business calling
- Cloud PBX capabilities
- Call forwarding & voicemail
- Auto attendant & call queues
- Integration with Teams
- PSTN connectivity
- Calling plan sold separately
Power BI Pro
Business analytics & visualization
- Interactive data visualizations
- Share dashboards & reports
- 10GB storage per user
- Connect to 100+ data sources
- Mobile access
- Collaboration features
Microsoft Project Plan 3
Professional project management
- Full Project desktop app
- Project Online Essentials
- Resource management
- Portfolio management
- Timesheet integration
- Teams integration
Visio Plan 2
Professional diagramming
- Visio desktop application
- Web-based Visio
- Data connectivity features
- Process validation
- Collaboration in Teams
- 250+ templates
Feature Comparison Table
| Features | Microsoft 365 Personal | Microsoft 365 Family | Business Standard | Microsoft 365 E3 |
|---|---|---|---|---|
| Office Apps | ✓ All apps | ✓ All apps | ✓ All apps | ✓ All apps |
| OneDrive Storage | ✓ 1TB | ✓ 6TB total | ✓ 1TB per user | ✓ Unlimited |
| Copilot AI | ✓ Included | ◐ Owner only | ◐ Add-on | ◐ Add-on |
| Business Email | ✗ Personal only | ✗ Personal only | ✓ 50GB mailbox | ✓ 100GB mailbox |
| Microsoft Teams | ◐ Basic | ◐ Basic | ✓ Full version | ✓ Full version |
| Advanced Security | ◐ Basic | ◐ Basic | ◐ Standard | ✓ Advanced |
Expert Insights & Recommendations
💰 Cost Analysis
Office 2024 breaks even with Microsoft 365 Personal in 16 months. Choose subscriptions for latest features, one-time purchase for basic needs.
👥 Business Sizing
Small businesses (1-25 users): Business Standard. Medium businesses (25-300): Business Premium. Large enterprises: E3 or E5.
📈 Price Trends
Microsoft is shifting to AI-first pricing. Expect more AI features in 2025 with corresponding price increases across all product lines.
🛡️ Security Focus
Cybersecurity threats are driving enterprise customers toward E5 plans. The security features often justify the higher cost.