
Microsoft 365 Personal
Best for: Anyone who exchanges Word, Excel and PowerPoint files for a living and wants the native apps, 1 TB of storage and Copilot included for one person.
Product review
Microsoft 365 Personal is the reference suite: full desktop Word, Excel, PowerPoint, Outlook and OneNote on PC, Mac and mobile, 1 TB of OneDrive, and Copilot built into the apps, for $99.99 a year for one person. It wins on compatibility by definition — its apps create the DOCX, XLSX and PPTX files everyone else must imitate — and on depth: Excel's Power Query, PivotTables and Python, and Word's referencing tools, have no equal here. The honest cost is the 2025 price rise and a subscription that never ends.
The company
Microsoft is the maker of the formats every other suite in this ranking must open. Microsoft 365 Personal renews automatically unless cancelled in the Microsoft account, per Microsoft's own plan pages, and Microsoft publishes ongoing support for subscribers; no general support email is published, so none is listed, and support runs through support.microsoft.com and the account portal.
- Native Office formats — zero conversion loss on complex files
- 1 TB OneDrive and full desktop apps for up to five devices at once
- Deepest spreadsheet and document feature set in the ranking
- Price rose $30 in January 2025 when Copilot was bundled — you pay for AI whether you use it or not
- Family/Premium storage was cut to a 2 TB shared pool in October 2026 reporting; Personal's 1 TB is per-person and unaffected, but the direction is clear
- Cancelling drops OneDrive to 5 GB; files above that cannot be uploaded or synced until cleared
Microsoft 365 Personal








