How much does Microsoft Dynamics 365 Finance & Supply Chain (F&O) cost?
The Finance plan is USD 210 per user per month official list price. Light users (Activity user) are USD 50 per user per month estimate.
Microsoft · Upper mid-market and enterprise ERP. The licence is only part of the bill: the three worked examples below add implementation, integrations, internal time and support over 3 and 5 years. Prices verified 2026-10-11.
Calculate your own Dynamics 365 F&O TCO
Licence prices
| Plan / licence | Price | Unit | Basis | Notes and source |
|---|---|---|---|---|
| Finance Full users | USD 210 | per user / month | official | Core financial management. Paid yearly. Microsoft Product Terms: minimum purchase of 20 licences. Source (2026-10-11) |
| Finance Premium Full users | USD 300 | per user / month | official | Adds advanced business performance management. Paid yearly. Microsoft Product Terms: minimum purchase of 10 licences. Source (2026-10-11) |
| Supply Chain Management Full users | USD 210 | per user / month | official | Paid yearly. Microsoft Product Terms: minimum purchase of 20 licences. Source (2026-10-11) |
| Supply Chain Management Premium Full users | USD 300 | per user / month | official | Adds advanced planning, analytics and insights. Paid yearly. Microsoft Product Terms: minimum purchase of 10 licences. Source (2026-10-11) |
| Attach licence (second app) Full users | USD 30 | per user / month | official | Official: a second Finance or Supply Chain Management app for a user whose base licence is the other app, $30 per user/month billed annually (Dynamics 365 Licensing Guide, October 2026, base and attach table). Other combinations have other attach prices. Source (2026-10-11) |
| Activity user Light users | USD 50 | per user / month | estimate | Secondary estimate for light users who approve, view or do light operational tasks. Microsoft's Licensing Guide (October 2026) describes the Operations – Activity licence but gives no price. Source (2026-10-11) |
US list prices, per user per month, paid yearly. Microsoft Product Terms set minimum purchases: 20 licences each for Finance and Supply Chain Management, 10 each for the Premium plans; the calculator bills the minimum when fewer users are entered. Attach prices come from Microsoft's Licensing Guide; the Operations – Activity price is not published by Microsoft, so a secondary estimate is used.
Typical total cost of ownership (USD)
Partner rate $150/hour, internal cost $60/hour, list prices, no discounts. Implementation, training, integrations and support are labelled assumptions; the low–high range comes from their ranges.
| Scenario | Year 1 | 3-year TCO | 5-year TCO | Largest cost |
|---|---|---|---|---|
| Upper mid-market 50 full + 50 light users, standard project, 3 connector integrations. Plan: Finance. Open in calculator | $610,223 | $1,076,769 $790,823–$1,394,400 | $1,543,315 $1,166,701–$1,983,300 | Licences / subscriptions (51%) |
| Regional group 150 full + 100 light users, 3 entities in 2 countries, standard project, 2 connector + 2 iPaaS integrations. Plan: Finance. Open in calculator | $1,308,815 | $2,457,045 $1,908,016–$3,060,600 | $3,605,275 $2,890,402–$4,429,200 | Licences / subscriptions (61%) |
| Global rollout 500 full + 300 light users, 5 entities in 5 countries, complex project, 5 iPaaS integrations. Plan: Finance. Open in calculator | $3,872,375 | $7,500,525 $5,916,976–$9,243,000 | $11,128,675 $9,087,202–$13,488,000 | Licences / subscriptions (65%) |
Notes on these examples
- Microsoft Dynamics 365 Finance & Supply Chain (F&O): multi-entity licensing is not modelled (legal entities are not licensed separately on the pricing page; localisation and rollout cost is in implementation).
What the price does not include
- Extra sandbox environments (tier 3+)
- Storage overage
- Electronic Invoicing capacity above the included 100 transactions per tenant/month (200 with a Premium plan)
- ISV solutions
- Premium/Unified support
Cost comparisons
- Microsoft Dynamics 365 Finance & Supply Chain (F&O) vs SAP S/4HANA Cloud cost
- Microsoft Dynamics 365 Finance & Supply Chain (F&O) vs Oracle NetSuite cost
- Microsoft Dynamics 365 Business Central vs Microsoft Dynamics 365 Finance & Supply Chain (F&O) cost
Further reading
- ERP licence types explained: per user, flat, platform and resource-based
- Hidden ERP costs: what the licence price leaves out
- Methodology: every price, source and assumption
FAQ
How much does Microsoft Dynamics 365 Finance & Supply Chain (F&O) cost per user?
The default plan in our data, Finance, is USD 210 per user per month (official list price, checked 2026-10-11). US list prices, per user per month, paid yearly. Microsoft Product Terms set minimum purchases: 20 licences each for Finance and Supply Chain Management, 10 each for the Premium plans; the calculator bills the minimum when fewer users are entered. Attach prices come from Microsoft's Licensing Guide; the Operations – Activity price is not published by Microsoft, so a secondary estimate is used.
What is the total cost of Microsoft Dynamics 365 Finance & Supply Chain (F&O) over 5 years?
For our "Regional group" example (150 full + 100 light users, 3 entities in 2 countries, standard project, 2 connector + 2 iPaaS integrations) the estimated 5-year total is $3,605,275 (range $2,890,402–$4,429,200), of which licences are $2,190,000. It is an estimate based on labelled assumptions, not a quote.
What is not included in the Microsoft Dynamics 365 Finance & Supply Chain (F&O) price?
Extra sandbox environments (tier 3+); Storage overage; Electronic Invoicing capacity above the included 100 transactions per tenant/month (200 with a Premium plan); ISV solutions; Premium/Unified support.
Sources: www.microsoft.com, www.microsoft.com, go.microsoft.com, www.microsoft.com, www.erpresearch.com. Verified 2026-10-11. Full method and assumptions: methodology. Estimates, not quotes.