Comparison
Microsoft 365 Personal vs Family
Microsoft 365 Personal vs Family: users, OneDrive storage, Copilot eligibility and the cost-per-person math that almost always favors Family.
Both subscriptions include the same desktop apps and Outlook. The split is purely about people: Personal is one user, Family is up to six — each with their own 1 TB OneDrive.
The Family plan costs ~25% more than Personal but covers 6× the users. If you have anyone else at home who'd use Office or want OneDrive backup, Family is the obvious pick.
How do Microsoft 365 Personal and Microsoft 365 Family compare side by side?
| Feature | Microsoft 365 Personal | Microsoft 365 Family |
|---|---|---|
| Users included | 1 | Up to 6 |
| OneDrive per user | 1 TB | 1 TB each (6 TB total) |
| Outlook mailbox per user | 50 GB | 50 GB each |
| Devices per user | Unlimited install, 5 active sign-ins | Same per user |
| Copilot Pro add-on | Available (€22/mo) | Available (€22/mo) |
| Microsoft Defender | ✓ | ✓ |
| Annual price (MSRP) | ~€85 | ~€109 |
| Effective cost per user (6 users) | — | ~€18/year |
Which one should you buy?
Buy Family unless you are absolutely the only person on the subscription. Two users alone makes Family cheaper per head than Personal.
Buy Personal only if you live alone, never share files with family, and don't want the second mailbox.

Microsoft 365 Personal — 1 user · 5 devices
1 user · 1 year · 5 devices
Premium Office and 1 TB OneDrive for one person.

Microsoft 365 Family — 6 users · 30 devices
6 users · 1 year · 30 devices
Premium Office for up to 6 people with 1 TB OneDrive each.
Frequently asked questions
Do family members need to live together?
No. The 5 other slots can be anyone you invite — extended family, partner, kids at university. Each gets their own login and OneDrive.
Can I split the cost?
Yes — many families do. There is no Microsoft restriction on cost-sharing between the 6 accounts.
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