You currently have to pay an extra $20 per month to use Copilot Pro with Microsoft 365 apps, but Microsoft is testing a cheaper (though limited) bundle in a few overseas markets.
Copilot and Designer come to Microsoft 365 Personal and Family subscribers in Australia, New Zealand, Malaysia, Singapore, Taiwan, Thailand.
Microsoft may soon bundle Copilot features into Microsoft 365 subscriptions—for a price. A Microsoft 365 Personal plan costs $69.99 per year, while a Copilot Pro subscription is $20 per month.