Accounting · pricing
Microsoft Excel pricing
Microsoft Excel publishes 4 tiers. Below is each one, what it adds over the tier beneath it, and where the ladder stops being worth climbing for most people.
As of 30 August 2026, Microsoft Excel pricing is free, then $9.99/month across 4 published tiers. Figures are the vendor's list prices as recorded on this page's last check; the vendor's site is the final word.
- Entry price
- Free, then $9.99/month
- Model
- Freemium
- Tiers
- 4
- Free tier
- Yes
Microsoft Excel plans, side by side
Every published tier in ascending order of price, with the number of features each one lists. An absence here means the record does not itemise it, not that the tier lacks it.
| Plan | Price | Features listed | Step up from the tier below |
|---|---|---|---|
| Microsoft Excel (Free) | Free | 4 | Entry tier |
| Microsoft 365 Personal | $9.99/month | 5 | +$9.99/month, 5 more features |
| Microsoft 365 Family | $12.99/month | 4 | +$3/month, 4 more features |
| Microsoft 365 Premium | $19.99/month | 4 | +$6.999999999999998/month, 4 more features |
What each tier adds
The set difference between each tier's feature list and the one beneath it. Where a tier lists nothing new, the vendor has either stopped repeating the inherited list or the tier raises limits rather than adding capability, the record does not distinguish the two, so this page does not either.
Microsoft Excel (Free)
FreeThe entry tier. It covers excel for the web, real-time collaboration, 5 gb cloud storage, access on web, ios, android.
Microsoft 365 Personal
$9.99/monthOver Microsoft Excel (Free), this tier adds:
- Desktop Excel app
- 1 TB cloud storage
- Single user on up to 5 devices
- Copilot access
- PC, Mac, iPhone, iPad, Android compatibility
Microsoft 365 Family
$12.99/monthOver Microsoft 365 Personal, this tier adds:
- 1-6 users (AI features for subscription owner)
- Up to 6 TB cloud storage (1 TB per person)
- Each user up to 5 devices
- Desktop and web apps
Microsoft 365 Premium
$19.99/monthOver Microsoft 365 Family, this tier adds:
- 1-6 users
- Extensive Copilot feature access
- Exclusive advanced AI capabilities
- Image creation and audio generation
Where Microsoft Excel stops being free
Microsoft Excel (Free), Free
- Excel for the web
- Real-time collaboration
- 5 GB cloud storage
- Access on web, iOS, Android
Microsoft 365 Personal, $9.99/month
The first thing you pay for:
- Desktop Excel app
- 1 TB cloud storage
- Single user on up to 5 devices
- Copilot access
- PC, Mac, iPhone, iPad, Android compatibility
What the product covers
The full Microsoft Excel feature record, grouped as the catalogue groups it. This is the product as a whole; the record does not map every feature onto a specific tier.
Other
- Advanced formulas
- Pivot tables
- Data visualization
- Charts and graphs
- Conditional formatting
- Data analysis tools
- Macro automation
- Collaboration features
Integrations
- Microsoft 365
- Power BI
- SharePoint
- OneDrive
- Teams
- Outlook
- Access
- Power Query
Security
- Data encryption
- Access controls
- Audit trails
Deployment
- Desktop deployment
- Cloud deployment
- Mobile deployment
Platform
- Windows support
- Macos support
- Web support
- Ios support
- Android support
Localization
- 40+ languages language support
People bring Microsoft Excel in for financial modeling, data analysis, budget planning, reporting, business intelligence, statistical analysis. If that is not the job you are buying for, the alternatives to Microsoft Excel are worth a look before you commit to a tier.
How that compares in Accounting
Across the 3 accounting tools in this directory that publish a starting price, the median entry point is $13/month. Microsoft Excel starts at $9.99/month, which puts it below the middle of its category.
| Tool | Entry price | Model | Rated | Head to head |
|---|---|---|---|---|
| Microsoft Excel (this page) | Free, then $9.99/month | freemium | - | |
| Rydoo | $10/month | Per user per month | - | vs Microsoft Excel |
| Happay | On request | quote | - | vs Microsoft Excel |
| Moss | On request | quote | - | vs Microsoft Excel |
| Mesh Payments | Free, then $13/month | Per user per month | - | vs Microsoft Excel |
| Medius Expense | On request | quote | - | vs Microsoft Excel |
| Ottimate | On request | quote | - | vs Microsoft Excel |
Ratings are aggregated from third-party sources and imported with each catalogue entry, they are not reviews hosted on Softwr. How each figure is used is set out on the Microsoft Excel badges page.
Before you pay for Microsoft Excel
Three things this page cannot tell you, and all three change the bill. The record carries a price and a billing period but not the unit - per-seat and flat-rate pricing are indistinguishable in this data, so a five-person team may be looking at five times the figure above. It carries no annual rate, so any discount for paying yearly is not something this page can quote. And it carries no trial length.
What it can tell you is the shape of the ladder: 4 tiers between Free and $19.99/month, with the jump itemised above. Because there is a free tier, the cheapest way to answer the rest is to use it before paying anything.
Microsoft Excel runs on windows, macos, web, ios, android, and is published by Microsoft Corporation of Redmond, WA. The full record is on the Microsoft Excel review, and the rest of the category is under best accounting tools.
Microsoft Excel pricing questions
- How much does Microsoft Excel cost?
- Microsoft Excel publishes 4 tiers, from Free for Microsoft Excel (Free) up to $19.99/month for Microsoft 365 Premium. The entry tier costs nothing.
- Does Microsoft Excel have a free plan?
- Yes. The Microsoft Excel (Free) tier costs nothing and covers excel for the web, real-time collaboration, 5 gb cloud storage. Paying starts at $9.99/month for Microsoft 365 Personal.
- What is the difference between Microsoft Excel (Free) and Microsoft 365 Personal on Microsoft Excel?
- Microsoft 365 Personal costs $9.99/month against Free, and adds desktop excel app, 1 tb cloud storage, single user on up to 5 devices, copilot access.
- Is the Microsoft 365 Premium plan on Microsoft Excel worth it?
- That depends entirely on whether you need what it adds, which on the published record is 1-6 users, extensive copilot feature access, exclusive advanced ai capabilities, image creation and audio generation. It costs $19.99/month against $9.99/month for Microsoft 365 Personal. Softwr has not used either tier, so this page can tell you what changes, not whether it is worth the difference to you.
- Is Microsoft Excel expensive for a accounting tool?
- It starts below the middle of its category. Across the 3 accounting tools in this directory that publish a starting price, the median entry point is $13/month; Microsoft Excel starts at $9.99/month.
- Which accounting tools can I use without paying?
- 1 of the 8 accounting tools listed alongside Microsoft Excel have a free tier: Mesh Payments.
- What am I actually paying for with Microsoft Excel?
- The record lists 28 features across 6 areas: other, integrations, security, deployment, platform, localization. In practice it is brought in for financial modeling, data analysis, budget planning.
- Does Microsoft Excel charge per user?
- The record carries a price and a billing period for each of its 4 tiers, but not the unit that price is charged in. Per-seat and flat-rate billing look identical in this data, so check the vendor's page before budgeting for a team.
- Are these Microsoft Excel prices current?
- They are what the catalogue entry holds, refreshed when the entry is. Vendors change pricing without notice and nobody at Softwr re-verifies each tier by hand, so treat this as a structured summary and the vendor's own pricing page as the authority.
- What should I compare Microsoft Excel against before paying?
- The closest accounting tools in this directory are Rydoo, Happay, Moss, Mesh Payments. Each has a side-by-side comparison with Microsoft Excel covering price, platforms and features.