Finletix
Software · $6.99–$12.99/mo · ~$120/yr

Is Microsoft 365 worth it in 2026?

Microsoft 365 auto-renews annually and often duplicates free tools people already use. At roughly $120 a year, whether Microsoft 365 is worth it comes down to one question: do you actually use it?

Worth it if…
  • You use it most weeks.
  • It's your only service in this category.
  • The value clearly beats the $120/yr.
Cancel it if…
  • You can't recall the last time you used it.
  • You also pay for Adobe Creative Cloud or Grammarly or LinkedIn Premium.
  • It started as a free trial you forgot about.
Before you commit $120/yr

You are entitled to a refund of your most recent recurring charge if you cancel within 30 days after that payment, limited to one time per Microsoft account per subscription product; guaranteed prorated refunds beyond that apply only in Canada, Denmark, Finland, Germany, Israel, Korea, the Netherlands, Poland, Portugal and Turkey, not the US.

How Microsoft 365 compares in Software

Microsoft 365 runs $6.99–$12.99/mo — 67% less than the average software subscription we track (~$30/mo across the software services we track). The most common overlap for software subscribers is paying for Adobe Creative Cloud, Grammarly, LinkedIn Premium at the same time — worth checking your statement for before deciding.

First, check you're even still paying for it

Plenty of people debate whether Microsoft 365 is worth it while already paying for a duplicate or a plan they forgot to cancel. Scan a statement with Finletix and see every recurring charge in seconds — no bank login.

Scan freeHow to cancel Microsoft 365

Is Microsoft 365 worth it? FAQ

How much is Microsoft 365 per year?
At $6.99–$12.99/mo, Microsoft 365 costs roughly $120 a year for a typical plan — more on higher tiers. That's 67% less than the average software subscription we track (~$363/yr).
Who is Microsoft 365 worth it for?
Microsoft 365 is worth it if you actively use it most weeks. If you can't remember the last time you did, that annual $120 is likely a leak.
Should I cancel Microsoft 365?
If you're also still paying for Adobe Creative Cloud or Grammarly or LinkedIn Premium — common overlaps in the same Software category — you're likely paying twice for the same need. Check your statement first to confirm you're even still being charged for Microsoft 365.
What if I sign up and Microsoft 365 isn't for me?
You are entitled to a refund of your most recent recurring charge if you cancel within 30 days after that payment, limited to one time per Microsoft account per subscription product; guaranteed prorated refunds beyond that apply only in Canada, Denmark, Finland, Germany, Israel, Korea, the Netherlands, Poland, Portugal and Turkey, not the US.

Compare other subscriptions

Is Adobe Creative Cloud worth it?
Software · $22.99–$59.99/mo
Is Grammarly worth it?
Software · $12–$30/mo
Is LinkedIn Premium worth it?
Software · $29.99–$99.99/mo
Is Canva Pro worth it?
Software · $12.99–$15/mo

Prices are typical US ranges as of 2026 and may change. Finletix is not affiliated with Microsoft 365.