365 personal subscription because only me uses it, limitations to this?

Microsoft 365 Personal does include Copilot benefits, but there are limits.

• Copilot access: Yes. Microsoft 365 Personal subscribers can use Copilot Chat at https://microsoft365.com.
• Copilot in desktop apps: Yes, the subscription owner can use Copilot in Word, Excel, PowerPoint, Outlook, and OneNote desktop apps.
• Sharing: AI benefits cannot be shared. They are only available to the subscription owner.
• Usage limits: Personal does not include unlimited AI use. For example, Microsoft 365 Personal includes:
  • Chat: Extensive use
  • Copilot in Microsoft 365 apps and image generation/editing: 60 credits per month
  • Voice: 30 minutes per day
  • Vision: 10 minutes per day
  • Audio Overview in Notebooks: 6 uses per day
• Premium vs Personal: Premium has higher or extended AI usage and exclusive advanced AI features, while Personal has more limited credits.

So, a Microsoft 365 Personal subscription does not block Copilot. It allows Copilot, but with plan-based limits rather than the broader allowances available in Premium.

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