What is Copilot for finance?
Copilot for finance means using Microsoft 365 Copilot in Excel, Outlook and Teams for finance work, together with Microsoft's Finance agent, formerly Microsoft Copilot for Finance. The agent connects to ERP systems such as Dynamics 365 Finance and SAP, runs reconciliations in Excel and helps finance teams handle collections emails in Outlook.
Also calledMicrosoft Copilot for FinanceMicrosoft Finance agent
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- Copilot price
- US$30 / £23.10 a user a month
- Finance agent
- Excel and Outlook
- Language
- US English only
How Copilot works for finance teams
Copilot in Excel builds and edits workbooks: it writes formulas across several sheets, creates charts and PivotTables, sorts, filters and highlights data, and imports data from other workbooks. It runs in Excel for Windows, Mac, the web, iPad, iPhone and Android. Microsoft made the Finance solution in Microsoft 365 Copilot generally available on 20 October 2025, now called the Finance agent. Financial reconciliation is generally available: it compares data sets, finds unmatched transactions, creates a reconciliation report with suggested fixes and saves as a reusable template. Customer communications in Outlook, variance analysis and data preparation in Excel were in public preview at launch. In Outlook, the agent pulls invoice and payment data from Dynamics 365 Finance, SAP and other ERPs to draft replies to customers. The organisation needs Microsoft 365 Copilot licences, and users see only the ERP data their ERP roles allow. Microsoft states that the agent's content and interface are available only in US English for now. Microsoft 365 Copilot costs US$30 per user a month paid yearly in the US and £23.10 excluding VAT in the UK, on top of a qualifying Microsoft 365 plan. Microsoft says business data is encrypted, isolated between tenants and not used to train foundation models.
Common questions
How much does Microsoft 365 Copilot cost?+
US$30 per user a month paid yearly, or US$31.50 paid monthly on an annual commitment, plus a qualifying Microsoft 365 plan. In the UK it costs £23.10 or £24.26, excluding VAT. Copilot Business for smaller firms costs £13.80 a user a month paid yearly on a promotion running from 1 July to 31 December 2026, against a list price of £16.10.
What does the Finance agent do?+
In Excel it reconciles data sets, flags unmatched transactions and writes a reconciliation report with suggested fixes. In Outlook it uses ERP invoice and payment data to help draft replies to customers in the collections process.
Which ERP systems work with the Finance agent?+
Microsoft names Dynamics 365 Finance and SAP, plus other ERP applications. Users get access in line with their permissions in the ERP.
Does Copilot train on company finance data?+
No. Microsoft says Microsoft 365 Copilot follows the organisation's existing security, privacy and compliance policies, and that data is encrypted at rest and in transit, isolated between tenants and not used to train foundation models.
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