If you searched for Microsoft Office 364, you almost certainly meant Microsoft 365, the subscription that grew out of Office 365. No product called Office 364 exists, so here is the current picture for U.S. buyers as of November 13, 2026.
The short version: home plan prices have not changed this year, business plans got more expensive on July 1, 2026, and Office 2021 lost all support on October 13, 2026.
Is There a Microsoft Office 364?
No. The name is a typo, and a common one, because “Office 365” was the brand for years. In 2020, Microsoft rebranded the consumer Office 365 plans as Microsoft 365. Today the company sells the subscription as Microsoft 365, and a one-time purchase version called Office 2024.
If you want the apps themselves, you have two paths:
- Microsoft 365 subscription: Word, Excel, PowerPoint, Outlook and more, with ongoing updates and cloud storage.
- Office 2024 (one-time purchase): The same core apps, but without new features after you buy.
Microsoft 365 Home Plans and Prices in the U.S.
Microsoft sells three consumer tiers. The U.S. list prices are:
| Plan | Monthly | Annual |
|---|---|---|
| Microsoft 365 Personal | $9.99 | $99.99 |
| Microsoft 365 Family | $12.99 | $129.99 |
| Microsoft 365 Premium | $19.99 | $199.99 |
Personal covers one person. Family covers up to six people. Premium also covers up to six people, and its extra cost buys higher Copilot AI limits rather than more storage or seats.
Microsoft raised Personal and Family prices by $3 per month in January 2025 when it added Copilot features. Premium launched in October 2025. Microsoft’s own announcement of Microsoft 365 Premium explains who the tier targets.
Annual billing saves real money. Family costs $25.89 less per year when you pay once instead of monthly.
Did Microsoft 365 Prices Go Up in 2026?
It depends on which plan you hold. Microsoft’s July 2026 price changes hit commercial plans only. Its public pricing and packaging FAQ states there are no changes to consumer pricing in this round.
That means Personal, Family and Premium subscribers kept their rates. Headlines about a Microsoft 365 price hike mostly refer to workplace plans.
New Business Prices That Took Effect July 1, 2026
Small businesses, schools and large employers saw the biggest shifts. Prices below are per user, per month, with annual billing:
- Business Basic: $6 to $7
- Business Standard: $12.50 to $14
- Business Premium: unchanged at $22
- Microsoft 365 E3: $36 to $39
- Microsoft 365 E5: $57 to $60
- Office 365 E3: $23 to $26
- Frontline F1: $2.25 to $3
- Frontline F3: $8 to $10
Existing customers keep their old price until the first renewal on or after July 1, 2026. New and renewing customers pay the new rates.
Business Premium now looks like a stronger value. It sits only $8 above Business Standard and includes advanced security tools.
Office 2021 Support Ended October 13, 2026
This is the deadline that matters most for anyone still on a one-time purchase. Office 2021 reached end of support on October 13, 2026, and Microsoft offers no extended security updates for it.
The apps still open and run. Microsoft no longer issues security fixes, software updates or technical support for them. Over time, that leaves unpatched weaknesses on your computer.
Microsoft explains the details on its Office 2021 end-of-support page. Your realistic options are:
- Move to Microsoft 365 for continuous updates.
- Buy Office 2024, which Microsoft supports until October 2029.
- Stay put, which carries growing security risk.
What Windows 10 Means for Your Office Apps
Operating system support affects Office support. Windows 10 support ended on October 14, 2025. Microsoft’s guidance on what Windows end of support means for Office lays out the rules.
For Microsoft 365, the company is providing security updates on Windows 10 through October 10, 2028. Feature updates on Windows 10 were scheduled to stop with the August 2026 release.
Office 2024 and Office 2021 are not supported on Windows 10 at all. If you run an older PC, upgrading to Windows 11 protects your Office investment.
Microsoft 365 vs. Office 2024: Which Fits You?
Pick Microsoft 365 if you want constant updates, 1 TB of OneDrive storage per person, and Copilot AI features. It also suits families who want to share one plan across several devices.
Pick Office 2024 if you want to pay once and use basic Word, Excel and PowerPoint on a single computer. You will not get new features or the cloud extras.
For a user who needs the apps for five years or more, the math can favor the one-time purchase. For anyone who values updates and storage, the subscription wins.
How to Avoid Paying for Copilot You Don’t Use
Copilot AI now comes bundled with Personal and Family. Microsoft also offers Personal Classic and Family Classic options, which keep the older, lower price without AI features. Availability can change, so check your Microsoft account before your next renewal.
You can find the Classic option during the cancellation flow when it is offered. Review it before you let a plan renew automatically.
Money-Saving Tips for U.S. Subscribers
- Compare annual and monthly billing. Paying yearly cuts the effective monthly rate.
- Share a Family plan. Splitting $129.99 across several people beats separate subscriptions.
- Check student offers. Microsoft has offered students a free year of Personal.
- Audit your seats at work. Businesses can often downgrade unused licenses before renewal.
- Time your renewal. Business customers renewing before the next price change can lock in terms.
What to Watch Next
Microsoft has not announced another round of consumer price changes, so treat any rumor of one as unconfirmed. Watch Microsoft’s licensing news for the next commercial update. Watch the Microsoft 365 Message Center if you manage a workplace account.
Office 2021 users should decide soon. The longer an unsupported suite stays on your machine, the larger the security exposure grows.
Did you mean Microsoft 365 when you searched, and which plan are you using? Tell us in the comments and share this guide with someone still on Office 2021.