OneDrive pricing starts at $0 for 5 GB with a free Microsoft account, then Microsoft 365 Basic at $19.99 a year for 100 GB and Microsoft 365 Personal at $99.99 a year for 1 TB, at US prices checked in November 2026.
Every paid plan is a Microsoft 365 plan, so each pairs its storage with a set of apps, a number of people and, on most plans, AI; desktop Word, Excel and PowerPoint start at Personal. Home plans bill monthly or yearly; business plans charge per user per month, paid yearly.
Split six ways, Family costs $129.99 / 6 people = $21.67 per person a year, and five Business Basic users cost $7.00 x 5 x 12 = $420 a year. The limit to watch: Family’s 2 TB is shared by everyone on it, while every business user gets 1 TB.
Quick pricing answer
- Free: Microsoft OneDrive gives 5 GB with a Microsoft account.
- Storage only: Microsoft 365 Basic, $19.99 a year or $1.99 a month for 100 GB.
- One person with desktop apps: Microsoft 365 Personal, $99.99 a year or $9.99 a month for 1 TB, with a one-month free trial.
- Household: Microsoft 365 Family, $129.99 a year or $12.99 a month for up to 6 people sharing 2 TB.
- Small business: Business Basic at $7.00 per user per month, paid yearly, with 1 TB per user.
- Caveat: business prices are annual subscriptions. Checked November 8, 2026.
In This Article (12 sections)
OneDrive Pricing at a Glance
Eight Microsoft plans include OneDrive storage, from Microsoft 365 Basic at $19.99 a year to Business Premium with Copilot at $32.00 per user per month on yearly billing.
| Plan | Annual billing | Monthly billing | Storage | Best for | Main limitation |
|---|---|---|---|---|---|
| Microsoft 365 Basic | $19.99 billed yearly | $1.99 billed monthly | 100 GB | Storage only | No desktop apps |
| Microsoft 365 Personal | $99.99 billed yearly | $9.99 billed monthly | 1 TB | One person using Office | One person |
| Microsoft 365 Family | $129.99 billed yearly | $12.99 billed monthly | 2 TB shared | Households of up to 6 | Shared storage |
| Microsoft 365 Premium | $199.99 billed yearly | $19.99 billed monthly | Up to 6 TB (1 TB per person) on the plan card; 2 TB in Microsoft’s comparison tables | Heavy Copilot users | AI for the owner only |
| Microsoft 365 Business Basic | $7.00 per user per month, paid yearly | Not published | 1 TB per user | Companies needing custom email | Web and mobile apps |
| Microsoft 365 Apps for business | $10.00 per user per month, paid yearly | Not published | 1 TB per user | Email hosted elsewhere | No business email |
| Microsoft 365 Business Standard with Copilot | $23.50 per user per month, paid yearly | Not published | 1 TB per user | Desktop apps plus email | Usage-based AI billing |
| Microsoft 365 Business Premium with Copilot | $32.00 per user per month, paid yearly | Not published | 1 TB per user | Device and data security | Highest seat price |
Sources: OneDrive plans and pricing and Microsoft 365 business plans, checked November 2026.
Price history: Microsoft 365 Personal cost $69.99 in January 2024 and January 2025, and $99.99 today (per year). Earlier prices come from archived copies of Microsoft’s pricing page, and my SaaS and AI price index tracks the same entry-plan prices across other tools.
These are US list prices in USD, read November 8, 2026: home plans per account, business plans per user per month on an annual subscription.
OneDrive Pricing Plans Explained
Home plans step up by apps, people covered and AI, and their plan tables stop at 2 TB; the business plans all give 1 TB per user and step up by apps, email and security. Whether OneDrive’s sync and sharing deserve the money at all is the job of my OneDrive review.
Microsoft 365 Basic
Yes, you can buy OneDrive storage without the Office apps: Basic costs $19.99 a year or $1.99 a month for 100 GB for one person, plus 100 GB of mailbox storage and ad-free Outlook on web and mobile. Copilot stays at the free version. Move up when you pass 100 GB or need desktop Word and Excel.
Microsoft 365 Personal
Personal costs $9.99 a month or $99.99 a year for one person: 1 TB, use on up to 5 devices at once, and Word, Excel, PowerPoint, Outlook and OneNote desktop apps with Copilot. That is 10 times Basic’s storage for 5 times the price, plus the apps, which makes it my default for one person who edits documents. A second user means Family.
Microsoft 365 Family
Family costs $12.99 a month or $129.99 a year for 1 to 6 people sharing 2 TB, with AI features for the subscription owner only. Four people pay $129.99 / 4 people = $32.50 each a year, about a third of four Personal plans ($99.99 x 4 = $399.96).
The catch is the shared cap: 2 TB split across six people is about a third of a terabyte each, against 1 TB on Personal.
Microsoft 365 Premium
Premium costs $19.99 a month or $199.99 a year for up to 6 people and adds extensive Copilot usage, exclusive Copilot features and agentic AI to Family. The extra $199.99 – $129.99 = $70 a year buys AI for the subscription owner, not storage, so a storage-only buyer should skip it. Every Copilot plan price is in my Microsoft Copilot pricing guide.
Pricing note
Microsoft prints two storage figures for Family and Premium. The comparison tables on the OneDrive and Microsoft 365 plan pages give both 2 TB. The Premium plan card reads “Up to 6 TB of secure cloud storage (1 TB per person)”, and the OneDrive storage FAQ puts Family at up to 6 TB. This guide uses 2 TB shared; if each person needs 1 TB, check the storage shown at checkout.
Microsoft 365 Business Basic
Business Basic costs $7.00 per user per month, paid yearly, the cheapest business plan with OneDrive: 1 TB per user, web and mobile Word, Excel, PowerPoint and Outlook, custom business email, and Teams for chat, calls and meetings. Business plans stop at 300 users.
Its edge over Family is control, not storage: a mailbox on your domain, the Microsoft 365 admin center, and 1 TB for each user. Desktop apps are the upgrade trigger; the Teams half of the bundle is judged in my Microsoft Teams review.
Microsoft 365 Apps for business
Apps for business costs $10.00 per user per month, paid yearly, for desktop Word, Excel, PowerPoint and OneNote plus 1 TB per user. Custom business email comes with Business Basic, Standard and Premium, not this plan, so it suits a team whose email runs elsewhere and saves $23.50 – $10.00 = $13.50 per user per month, billed annually, against Business Standard with Copilot.
Microsoft 365 Business Standard with Copilot
Business Standard with Copilot costs $23.50 per user per month, paid yearly, for desktop, web and mobile apps, custom business email, Teams, and Copilot in Word, Excel, PowerPoint, Outlook and Teams. Standard is sold as Microsoft 365 Business Standard with Copilot. Usage-based billing applies to select advanced AI features, so for heavy AI users the seat price is a floor.
Microsoft 365 Business Premium with Copilot
Business Premium with Copilot costs $32.00 per user per month, paid yearly, $32.00 – $23.50 = $8.50 more than Standard. The extra buys device security and management, phishing and malware protection, sensitive-data protection, a 1.5 TB archive mailbox and Microsoft Defender for Business. Storage stays at 1 TB per user, so buy Premium to manage company laptops and client data, never for space.
Does OneDrive Have a Free Plan or Trial?
Yes: a free Microsoft account includes 5 GB of OneDrive storage, and Personal, Family, Premium and the business plans each offer a one-month free trial. Basic has no trial; its card offers only Buy now.
Business trials need a credit card, turn into paid subscriptions when the month ends, and carry limited storage. Office Home 2024 costs $179.99 once, for one PC or Mac, and adds no storage: it comes with the same free 5 GB.
Monthly vs Annual OneDrive Pricing
Paying yearly saves up to 17% on the home plans: Personal costs $9.99 x 12 = $119.88 on monthly billing against a yearly price that saves $19.89.
| Plan | Annual billing | Monthly billing | Monthly equivalent | Yearly saving |
|---|---|---|---|---|
| Microsoft 365 Basic | $19.99 | $1.99 | $19.99 / 12 = $1.67 | $1.99 x 12 – $19.99 = $3.89 |
| Microsoft 365 Personal | $99.99 | $9.99 | $99.99 / 12 = $8.33 | $19.89 |
| Microsoft 365 Family | $129.99 | $12.99 | $129.99 / 12 = $10.83 | $25.89 |
| Microsoft 365 Premium | $199.99 | $19.99 | $199.99 / 12 = $16.67 | $39.89 |
Sources: Microsoft 365 plan comparison, checked November 2026.
Use the one-month trial to settle the plan, then pay yearly for any plan you will keep 12 months.
Additional OneDrive Costs to Consider
Storage beyond the plan, Copilot, usage-based AI and a security add-on can push the bill above the list price.
| Cost type | When it applies | Pricing basis | Notes |
|---|---|---|---|
| Extra storage | Personal, Family or Premium past its storage | Expandable up to 10 TB | No price on the plans page |
| Microsoft 365 Copilot Business add-on | Business Basic or Apps for business users who want Copilot in apps | From $21.00 per user per month, paid yearly | Promotional $18.00 to Dec 31, 2026 |
| Usage-based AI billing | Select advanced AI features | Charged by usage, beyond license fees | No published rate |
| Microsoft Defender for Business | Business plans other than Premium | Add-on at $3.00 per user per month, paid yearly | Included in Business Premium |
Sources: OneDrive storage plans and Microsoft 365 business plans, checked November 2026.
The Copilot add-on changes which business plan is cheaper. Ten Business Basic users pay $7.00 x 10 x 12 = $840 for seats and, at the add-on’s regular starting price, $21.00 x 10 x 12 = $2,520 for Copilot: $840 + $2,520 = $3,360 a year. Business Standard with Copilot costs $23.50 x 10 x 12 = $2,820 for the same ten and adds desktop apps. At the $18.00 first-year promotion, Copilot costs $18.00 x 10 x 12 = $2,160 and the total $840 + $2,160 = $3,000, still above $2,820.
How Much Does OneDrive Cost for Your Team?
A year of OneDrive runs from $19.99 for one person on storage alone to $2,820 ($23.50 x 10 x 12) for 10 users on Business Standard with Copilot, at US list prices on yearly billing.
OneDrive cost calculator
This calculator needs JavaScript. The scenario table below gives the same estimate for typical workloads.
Enter what you need. The calculator prices it on every plan at list prices and names the cheapest plan that covers it.
- List prices in USD from Microsoft OneDrive’s official pricing pages, checked Nov 8, 2026. Tax and regional prices are not included.
- 12-month figures are 12 times the monthly cost at the billing you choose.
- A planning estimate at list prices, not a quote.
Enter the number of people, the billing term, and whether you need desktop apps or custom business email. The calculator compares every plan side by side and names the cheapest one that covers the need. It leaves out tax, regional prices, extra storage and AI add-ons, and rounds home plans to monthly equivalents, so a 12-month figure can be a few cents off.
| Team size | Plan | Billing | Monthly equivalent | Annual total | Assumptions |
|---|---|---|---|---|---|
| 1 person, storage only | Microsoft 365 Basic | Yearly | $19.99 / 12 = $1.67 | $19.99 | 100 GB |
| 1 person with desktop apps | Microsoft 365 Personal | Yearly | $99.99 / 12 = $8.33 | $99.99 | 1 TB |
| Household of 4 with desktop apps | Microsoft 365 Family | Yearly | $129.99 / 12 = $10.83 | $129.99 | Up to 6 people included in one price; 2 TB shared |
| 5-person business with email | Microsoft 365 Business Basic | Paid yearly | $7.00 x 5 = $35.00 | $7.00 x 5 x 12 = $420 | Per user; web and mobile apps |
| 10-person business with apps and email | Microsoft 365 Business Standard with Copilot | Paid yearly | $23.50 x 10 = $235.00 | $23.50 x 10 x 12 = $2,820 | Per user; usage-based AI extra |
Sources: OneDrive plans and pricing, checked November 2026. Totals are estimates from list prices, not quotes.
The home-to-business line is the real decision. Four people on Business Basic would pay $7.00 x 4 x 12 = $336 a year for 1 TB each, custom email and admin controls a household rarely needs, so Family wins at that size.
Which OneDrive Plan Should You Choose?
Buy Basic for storage only, Personal for one person with Office, Family for a household, and Business Basic for a company, moving to Business Standard with Copilot when it needs desktop apps.
| Your needs | Plan to consider | Why | Main limitation |
|---|---|---|---|
| Under 5 GB of files | Free Microsoft account | Costs nothing | No ransomware detection and recovery |
| Storage only, one person | Microsoft 365 Basic | Cheapest paid storage | No desktop apps |
| One person who edits in Word and Excel | Microsoft 365 Personal | 1 TB plus desktop apps | One person only |
| A household of 2 to 6 | Microsoft 365 Family | One bill for up to 6 people | 2 TB shared |
| Heavy Copilot use at home or as a freelancer | Microsoft 365 Premium | Extensive Copilot usage | AI for the owner only |
| A company that needs custom email and admin | Microsoft 365 Business Basic | Lowest business seat price | Web and mobile apps only |
| A company that needs desktop apps and email | Microsoft 365 Business Standard with Copilot | Apps, email and Copilot in one seat | Usage-based AI on top |
| A company that wants Copilot | Microsoft 365 Business Standard with Copilot | 10 users pay $2,820 a year, against $840 + $2,520 = $3,360 on Business Basic plus the Copilot add-on at its $21.00 regular price, or $840 + $2,160 = $3,000 at the $18.00 first-year promotion | Usage-based AI on top |
Sources: OneDrive storage plans, checked November 2026.
My take
Pick Personal over Basic if you need desktop Word or Excel; storage alone rarely decides it. Pick Family once two or more people at home need the desktop apps, since two people already pay less on it than on two Personal plans at $99.99 x 2 = $199.98. A company should skip Family: it gives up custom email, the admin center and 1 TB per user.
Is OneDrive Worth the Price?
Yes for a buyer who also uses the Office apps, because the storage comes bundled with them; it is a weaker deal for someone who only needs storage past 100 GB.
A Business Basic seat costs $7.00 x 12 = $84 a year for 1 TB, custom email and Teams.
Skip it if: you need storage alone beyond 2 TB, since the plans page prints no price for expanded storage; my Google Drive review covers Google’s cloud drive.
A company already running email and documents on Google should weigh Google Workspace pricing before adding Microsoft seats.
My take
OneDrive is worth paying for when the Office apps are part of the reason. When only storage matters and you outgrow Basic’s 100 GB, the next step is Personal at 5 times Basic’s price, and most of that extra pays for apps.
Billing, Discounts and Cancellation
Home plans renew automatically at the regular price and selected term until you cancel in your Microsoft account. Business plans give a 7-day window for a prorated refund once the paid subscription begins, and an annual plan paid upfront gets no refund if canceled early, as the OneDrive business plans page and Microsoft’s business FAQ set out.
Business plans come on three terms: a monthly commitment you can cancel without penalty, an annual commitment paid monthly that may carry early-cancellation penalties, and an annual commitment paid upfront. After a business cancellation, the data is deleted and administrators keep a limited-function account for 90 days, so export files first.
The one dated discount is on the Copilot Business add-on: $18.00 instead of $21.00 per user per month, paid yearly, from July 1 to December 31, 2026, for existing customers with an eligible Business plan, on an annual commitment, for the first year only and not on trials.
How I Verified OneDrive Pricing
I read every price on Microsoft’s US pages on November 8, 2026, in US dollars, so the pricing region is the US: the OneDrive plans and pricing page, the OneDrive business plans page, the Microsoft 365 plan comparison and the Microsoft 365 business plans page with its FAQ.
Totals were calculated as the yearly price for flat home plans and price x users x 12 for business plans; a monthly equivalent is the yearly price divided by 12. Microsoft does not publish a monthly-commitment price for business plans, whether prices include tax, or the price of storage beyond a plan on these pages.
Frequently Asked Questions
Does OneDrive give 1 TB free?
No. A free Microsoft account includes 5 GB of OneDrive storage. The cheapest 1 TB on a home plan comes with Microsoft 365 Personal at $99.99 a year, and its one-month free trial lets you try the plan before the first charge.
Is there a 5 TB OneDrive plan?
No plan on Microsoft’s OneDrive pricing pages lists 5 TB. Five business users hold 5 TB between them at 1 TB each, and Personal, Family and Premium expand up to 10 TB at an unprinted price.
Is OneDrive for Business Plan 1 still sold?
Not under that name on Microsoft’s OneDrive business pricing page, which lists Microsoft 365 Business Basic, Apps for business and Business Standard with Copilot instead, each with 1 TB of OneDrive storage per user.
Final Pricing Verdict
Buy Family for a household, Basic if all you need is storage, Business Basic for a small company, and Business Standard with Copilot once that company needs desktop apps.
Stay on the free 5 GB until it fills, and budget for what sits outside the list price: storage beyond 2 TB, Copilot for Business Basic seats, and usage-based AI. If OneDrive is one piece of a wider choice about shared files and chat, my roundup of team collaboration tools compares the options.
My take
Pick Family if two to six people at home need desktop apps and shared storage. A company should pick Business Basic instead, where custom email and 1 TB per user justify the seat price.
