Microsoft has multiple Copilot products that are easy to confuse. Here's the breakdown:

Free Microsoft Copilot

• Available at copilot.microsoft.com and Bing
• General-purpose AI chat, web search, image generation
• No access to your Microsoft 365 data

Copilot for Microsoft 365 (Paid)

• $30/user/month add-on to M365 Business or Enterprise
• Embedded in Word, Excel, PowerPoint, Outlook, Teams
• Accesses your emails, documents, meetings, and chats
• The most powerful tier for business users

Copilot Pro ($20/month)

• For individuals — priority access and M365 personal/family integration

Reference:

Copilot for Microsoft 365

https://www.microsoft.com/en-us/microsoft-365/business/copilot-for-microsoft-365