Updated January 2026
Microsoft 365 Family vs Personal 2026
Word, Excel, PowerPoint, Outlook, and 1TB OneDrive storage. Is the Family plan worth it when split 6 ways?
⚡ Quick Answer
Microsoft 365 Personal costs $99.99/year ($8.33/month). Family costs $129.99/year for up to 6 users — that's just $21.67 per person/year when split! If you can share with family or friends, Family is a no-brainer.
Personal vs Family Comparison
👤
Personal
$99.99/year
or $9.99/month
- 1 user only
- 1TB OneDrive storage
- All Office apps
- Use on 5 devices
BEST VALUE
👨👩👧👦Family
$129.99/year
or $12.99/month
- Up to 6 users
- 6TB total (1TB each)
- All Office apps
- Each user: 5 devices
💡 The Cost-Per-User Math
| # Users Sharing | Cost Per User/Year | Cost Per User/Month | vs Personal |
|---|---|---|---|
| 2 users | $65.00 | $5.42 | Save 35% |
| 3 users | $43.33 | $3.61 | Save 57% |
| 4 users | $32.50 | $2.71 | Save 67% |
| 5 users | $26.00 | $2.17 | Save 74% |
| 6 users | $21.67 | $1.81 | Save 78% |
Pro Tip: Split with family members, roommates, or trusted friends. Each person gets their own separate account with 1TB storage.
🏢 Business Plans (July 2026 Price Changes)
⚠️ Price increases effective July 1, 2026
| Plan | Current | July 2026 | Change |
|---|---|---|---|
| Business Basic | $6/user/mo | $7/user/mo | +16.7% |
| Business Standard | $12.50/user/mo | $14/user/mo | +12% |
| Business Premium | $22/user/mo | $22/user/mo | No change |
Is Microsoft 365 Worth It?
✓ Worth It If...
- You need full desktop Office apps (not just web versions)
- You want 1TB cloud storage (OneDrive is excellent)
- You can share Family with 5 others ($21.67/year each!)
- You're in a business/enterprise environment
✗ Skip It If...
- Google Docs/Sheets meets your needs (free!)
- You have an old Office license that still works
- You only occasionally edit documents
- You prefer LibreOffice (free, open-source)
Calculate Your Total Productivity Costs
Add up Microsoft 365, Google Workspace, Adobe, and more in one place.
Calculate Productivity Tools →