How to Cancel Microsoft 365 Personal
Cancel Microsoft 365 Personal in a few minutes. Exact steps, the traps to avoid, refund rules, and what happens to your data after cancellation.
The short answer
Microsoft 365 Personal costs €7.00–€10.00/month. You keep access until the end of the period you have already paid for, so cancelling early does not lose you time. After cancellation, OneDrive storage reverts to the free 5 GB tier. If you are storing more than that, download your files before the subscription lapses or they become read-only.
Leutrim Miftaraj
Founder, SubTracker · Updated July 21, 2026
Step by step
- 1
Open your Microsoft account
Go to account.microsoft.com and sign in.
- 2
Find your subscription
Select Services & subscriptions and locate Microsoft 365.
- 3
Turn off recurring billing
Choose Manage, then Cancel subscription or Turn off recurring billing.
- 4
Confirm
Complete the confirmation and save the email.
Before you cancel
- •After cancellation, OneDrive storage reverts to the free 5 GB tier. If you are storing more than that, download your files before the subscription lapses or they become read-only.
- •Office applications enter reduced-functionality mode — you can view documents but not edit them.
- •Family plan members lose their allocation at the same time. Warn them first.
Refunds
Prorated refunds are available within 30 days of a charge for annual subscriptions.
Before you cancel entirely
Check whether the free tier covers your actual use. Many software subscriptions are bought during an intensive period and then kept out of habit long after the free tier would suffice.
The annual commitment trap
Software subscriptions carry the most expensive cancellation trap of any category, and it is deliberately obscured at the point of sale. Many vendors offer what looks like a monthly plan but is actually an annual commitment billed monthly. The distinction is invisible until you try to leave, at which point an early termination fee appears.
Adobe is the widely known example, charging 50% of the remaining months, but the pattern is common across professional software. Before cancelling anything, find out which plan you are on. It is usually stated in account settings under a heading like "commitment" or "plan term" rather than anywhere prominent.
Export before you cancel, not after
This is the mistake that costs the most and is the hardest to reverse. Many software subscriptions restrict access to your existing work once the plan lapses — files become read-only, projects become inaccessible, or exports are disabled entirely on the free tier.
Export everything you might want before you confirm the cancellation. Not after: several vendors revoke export capability at the moment of cancellation rather than at the end of the paid period, which means the window you assumed you had does not exist.
Check whether the free tier is enough
A significant share of software subscriptions are bought during one intensive project and then kept out of habit. The free tier frequently covers what you actually do now, as opposed to what you were doing when you subscribed. Downgrading rather than cancelling preserves your data and stops the charge.
If you are charged after cancelling
- •Keep the cancellation confirmation. An email or a screenshot showing the date is the document that resolves this, and it is much easier to save now than to reconstruct later.
- •If you are charged after cancelling, contact the provider first with the confirmation attached. Most reverse the charge without argument when presented with a timestamped confirmation.
- •If the provider does not resolve it, your bank or card issuer can reverse the payment. Card networks treat a charge after a documented cancellation as a straightforward chargeback, and the confirmation is the evidence you need.
- •For recurring card payments you can also instruct your bank to block future payments to that merchant. In the EU and UK, banks are required to honour this instruction even if the merchant continues to request payment.
Current pricing: €7.00–€10.00/month · microsoft.com
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Start freeFrequently asked questions
How do I cancel Microsoft 365 Personal?+
Go to account.microsoft.com and sign in. Select Services & subscriptions and locate Microsoft 365.
Do I get a refund when I cancel Microsoft 365 Personal?+
Prorated refunds are available within 30 days of a charge for annual subscriptions.
What happens after I cancel Microsoft 365 Personal?+
You keep access to Microsoft 365 Personal until the end of the billing period you have already paid for. After that the subscription stops and you are not charged again.
How much does Microsoft 365 Personal cost?+
Microsoft 365 Personal costs €7.00–€10.00/month based on 2026 pricing. Prices vary by region and plan tier, so check your account for the exact amount you are charged.
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