Is Microsoft 365 worth it?

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Our note

Microsoft's UK price page, which I checked on 30 October 2026, listed Microsoft 365 Personal at £8.49 a month or £84.99 a year. It includes 1 TB of cloud storage and desktop Word, Excel, PowerPoint, Outlook and OneNote with Copilot. Family was £10.49 a month or £104.99 a year for up to 6 people, although the AI features are for the subscription owner only. The subscription suits someone who uses the desktop apps and storage regularly, particularly across devices.

There are ways to use the software without that ongoing charge. On 30 October 2026, Microsoft listed free web versions of Word, Excel and PowerPoint and a one-time Office Home 2024 purchase at £119.99. The subscriptions renew automatically at the regular price unless cancelled. Which? reported in July 2025 that Personal and Family renewal prices had risen by 42% and 31% from January 2025. The CMA opened an investigation in July 2026 into how Microsoft explained the changed plans; that investigation was still open. What you actually need from the desktop apps and storage matters more than the subscription name.

Is Microsoft 365 worth it?

Our note

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