Does Excel Cost Money on iPad?

Robert Jul 11, 2026

When it comes to using Microsoft Excel on an iPad, one of the most common questions is whether it costs money. The answer, as with many things in the tech world, is a bit more complex than a simple yes or no.

Free Monthly Budget Excel Spreadsheet
Free Monthly Budget Excel Spreadsheet

Microsoft Excel is a powerful spreadsheet software that's widely used in businesses, schools, and homes around the world. It's part of the Microsoft Office suite, which includes other productivity tools like Word, PowerPoint, and Outlook. So, let's dive into the costs and free options when using Excel on an iPad.

four different types of credit cards are shown in this screenshote image with the text, my cash
four different types of credit cards are shown in this screenshote image with the text, my cash

Microsoft 365 Subscription

Microsoft 365 is a subscription service that includes the full version of Excel, along with the other Office apps. This is the most comprehensive way to use Excel on an iPad, as it provides the full desktop experience, including all features and updates.

Step-By-Step Guide to Budgeting in Excel (FREE Template)
Step-By-Step Guide to Budgeting in Excel (FREE Template)

Microsoft 365 plans start at $6.99 per month for personal use, or $9.99 per month for a family plan that covers up to six people. For businesses, plans start at $5.00 per user per month. However, these plans also include the other Office apps and 1TB of OneDrive cloud storage.

Microsoft 365 Personal

Create Your Perfect Monthly Budget with Our Easy Excel Spreadsheet Template
Create Your Perfect Monthly Budget with Our Easy Excel Spreadsheet Template

If you only need Excel for personal use, the Microsoft 365 Personal plan might be the best fit. It allows you to install Excel on one computer and one tablet (like an iPad), and you can sign in to five instances of the apps on any device at a time.

This plan also includes 1TB of OneDrive cloud storage and access to the other Office apps. It's a great option if you want to use Excel on your iPad and a computer at home, but you don't need to share the apps with a family or use them in a business setting.

Microsoft 365 Family

How To Make a Budget in Excel? (Step by Step With Examples), Making A Budget 213
How To Make a Budget in Excel? (Step by Step With Examples), Making A Budget 213

If you want to share Excel with your family, the Microsoft 365 Family plan is a cost-effective option. It allows you to install the Office apps on up to six devices, and you can sign in to the apps on any device at a time.

This plan also includes 1TB of OneDrive cloud storage per person, so your family can share files and collaborate in the cloud. It's a good choice if you want to use Excel on your iPad and share the apps with your family on their devices.

Free Options for Using Excel on an iPad

Liberty & Wealth – Guiding the Way to Financial Freedom | Budget Spreadsheet Types By Timeframe
Liberty & Wealth – Guiding the Way to Financial Freedom | Budget Spreadsheet Types By Timeframe

While Microsoft 365 offers the most comprehensive way to use Excel on an iPad, there are also free options available.

Microsoft offers a free version of Excel for iPad that includes basic features like creating and editing spreadsheets, as well as viewing and presenting them. However, it lacks many of the advanced features found in the full version of Excel.

a green and white info sheet with the words debt payoff tracker
a green and white info sheet with the words debt payoff tracker
Retail Finance Sheet - Accounts Payable, Invoicing, & Bills Due Excel Tracker, Cash Payments & Ex...
Retail Finance Sheet - Accounts Payable, Invoicing, & Bills Due Excel Tracker, Cash Payments & Ex...
the top 70 excel shortcuts for finance, including an image of a green background and
the top 70 excel shortcuts for finance, including an image of a green background and
How to Make a Monthly Budget Excel Spreadsheet | Cashflow, Income, Fixed and Variable Expenses
How to Make a Monthly Budget Excel Spreadsheet | Cashflow, Income, Fixed and Variable Expenses
Monitor your cash flow | Make money online
Monitor your cash flow | Make money online
💰 14 Excel Finance Budget Templates For You
💰 14 Excel Finance Budget Templates For You
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15 Smart Excel Hacks That Finally Made My Budget Work
How to Create a Budget in Excel and Understand Your Spending
How to Create a Budget in Excel and Understand Your Spending
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Excel Budgeting Spreadsheet To Manage Cash Flow Effectively
The Spreadsheet That Helped Me Save 300K
The Spreadsheet That Helped Me Save 300K
11 Excel Budget Spreadsheet Templates: Personal Finance & Couple Budget
11 Excel Budget Spreadsheet Templates: Personal Finance & Couple Budget
a spreadsheet showing the budget sheet for an investment plan in excel chart format
a spreadsheet showing the budget sheet for an investment plan in excel chart format
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a poster with the words excel formulas for finance written in green and white letters
an image of a screen shot of the checkout page on a cell phone or tablet
an image of a screen shot of the checkout page on a cell phone or tablet
a red and white poster with the words excel for finance
a red and white poster with the words excel for finance
19 Free Monthly Budget Spreadsheet Templates | Aesthetic Google Sheets & Excel Planners
19 Free Monthly Budget Spreadsheet Templates | Aesthetic Google Sheets & Excel Planners
Zero Based Budget Excel Planner Bundle for Smart Money Management – Organize Your Finances Today!
Zero Based Budget Excel Planner Bundle for Smart Money Management – Organize Your Finances Today!
101 Ready Made Excel Templates!
101 Ready Made Excel Templates!
the info sheet for excel tips and tricks
the info sheet for excel tips and tricks
Finance Tracking Made Simple with This iPad Budget
Finance Tracking Made Simple with This iPad Budget

Microsoft Excel for iPad (Free)

The free version of Excel for iPad is a good option if you only need basic spreadsheet functionality. It's also a great way to try out Excel before committing to a subscription plan.

With the free version, you can create new spreadsheets, open and edit existing ones, and even collaborate with others in real-time. However, you won't have access to advanced features like custom functions, pivot tables, or advanced data analysis tools.

Google Sheets

Another free option for using a spreadsheet app on your iPad is Google Sheets. It's part of the Google Drive suite of apps, which includes Google Docs and Google Slides.

Google Sheets is a web-based app that's free to use with a Google account. It offers many of the same features as Excel, including creating and editing spreadsheets, collaborating with others in real-time, and even integrating with other Google apps like Google Docs and Google Slides.

In conclusion, while there are free options available for using Excel on an iPad, the full desktop experience is only available with a Microsoft 365 subscription. Whether you choose to pay for a subscription or use the free version depends on your specific needs and budget. Either way, there are plenty of options for using Excel on your iPad.