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Microsoft 365 Licensing

Microsoft 365 E3 vs. E5 vs. F3

Selecting the right Microsoft 365 Enterprise license edition is crucial for balancing cost and capabilities. Not everyone in the organization needs the top-tier E5 plan. Right-sizing licenses — using E3 or F3 where appropriate — can deliver enterprise-wide productivity while avoiding overspending on unnecessary features.

Microsoft 365License OptimizationEnterprise Agreement22 min read
~$8/moF3 Frontline (per user)
~$34/moE3 Enterprise (per user)
~$57/moE5 Premium (per user)
50–70%E5 Premium Over E3

Executive Summary

CIOs and CTOs should tailor their Microsoft 365 licensing mix — E3, E5, and F3 — to match the unique needs of individual user roles. This guide covers detailed feature comparisons, cost analysis, right-sizing strategies, mix-and-match licensing with add-on options, and EA negotiation tactics to help enterprises optimize their Microsoft spend without sacrificing security or productivity.

Table of Contents

01

Overview: E3, E5, and F3 License Options

Microsoft offers multiple Microsoft 365 Enterprise SKUs to cater to the diverse needs of users. Understanding the differences is critical — a common mistake is assuming one size fits all.

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E3 — Core Enterprise Suite

Standard productivity and security needs. Full Office apps, Exchange Online, SharePoint, Teams, Windows 10/11 Enterprise, Azure AD P1, Intune, basic DLP and eDiscovery. The "sweet spot" for most knowledge workers at ~$34/user/month.

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E5 — Premium Suite

Everything in E3 plus advanced security (Defender suite, Azure AD P2), advanced compliance (Advanced eDiscovery, Customer Lockbox), Power BI Pro, Teams Phone System, and Audio Conferencing. ~$57/user/month — roughly 50–70% more than E3.

👷

F3 — Frontline Essentials

Stripped-down plan for frontline/firstline workers. Web and mobile Office apps (no desktop), 2 GB mailbox, 2 GB OneDrive, Teams access, basic Intune/Azure AD P1. Just ~$8/user/month — a fraction of E3/E5 cost.

Key Principle

CIOs should align each user's role with the appropriate license: give power-users and high-risk roles the advanced tools of E5, standard knowledge workers the cost-effective E3, and task-based workers the lightweight F3. This ensures everyone has what they need without paying for extras that go unused.

02

Microsoft 365 E3 — Core Enterprise Suite

Microsoft 365 E3 is the standard enterprise plan that delivers the full Office productivity suite and essential enterprise services without the extras that drive up cost.

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Productivity Apps

Full desktop versions of Office apps (Word, Excel, PowerPoint, Outlook, etc.), plus web and mobile app access for all users.

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Collaboration Services

Exchange Online with 100 GB mailbox and archive capabilities, SharePoint and OneDrive for Business (1 TB per user, expandable), Microsoft Teams for meetings and chats.

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Enterprise Management & Security

Windows 10/11 Enterprise OS licensing, Azure AD Premium P1 for identity management, Microsoft Intune for device management, basic Office 365 DLP, MFA support, and standard eDiscovery.

Real-World Example

A regional bank equipped 90% of its employees with E3 to provide Office apps, email, and baseline security while keeping costs contained. Only specialists in IT security and data analysis were assigned higher-cost licenses — ensuring broad productivity without incurring unnecessary premium costs.

E3 costs approximately $33–$36 per user per month at list price. For many organizations, E3 hits the "sweet spot": comprehensive enough to support enterprise-grade productivity and security, but not over-engineered for users with routine needs.

03

Microsoft 365 E5 — Advanced Capabilities at a Premium

Microsoft 365 E5 is the top-tier plan that includes everything in E3 plus a suite of advanced features, designed for organizations requiring best-in-class security, analytics, and communication.

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Advanced Security

Defender for Endpoint (EDR), Defender for Office 365 Plan 2, Azure AD P2 (risk-based conditional access, Privileged Identity Management), Cloud App Security. Far beyond E3's basic security.

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Advanced Compliance

Advanced eDiscovery, Audit (longer retention + analytics), Customer Lockbox, advanced information protection. Critical for heavily regulated industries (finance, healthcare, government).

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Analytics & AI

Power BI Pro included for rich data visualizations. Workplace Analytics and Viva Insights (advanced mode) for organizational productivity analysis. E3 users would need separate Power BI licenses.

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Telephony & Collaboration

Teams Phone System and Audio Conferencing out of the box — full PBX-like calling functionality and dial-in conferencing. E3 users would require additional licenses for telephony.

Cost Consideration

E5 is approximately $57/user/month — roughly 50–70% more than E3. In enterprise agreements, that gap can represent millions of dollars over a multi-year term. E5's value proposition is consolidation: it may eliminate the need for third-party email security gateways, standalone BI tools, or third-party call systems.

Real-World Example

A global professional services firm initially considered upgrading all 5,000 employees to E5. After analysis, they identified only about 1,000 users (cybersecurity, compliance, and data science roles) would actively use E5 features. They licensed those 1,000 on E5 and kept 4,000 on E3 — resulting in estimated annual savings of several million dollars.

04

Microsoft 365 F3 — Frontline Worker Essentials

Not every employee works at a desk or needs the full Office suite. Microsoft 365 F3 is designed for frontline workers — staff on the shop floor, in the field, or in customer service roles — who require basic communication and productivity tools but not a full PC software environment.

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Lightweight Productivity

Web and mobile access to Office 365 apps (Word, Excel, PowerPoint online), but no desktop Office applications. Suitable for users on shared devices, tablets, or phones.

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Email & Storage Constraints

Exchange Online kiosk plan — typically 2 GB mailbox per user with Outlook Web Access only (no Outlook desktop client). OneDrive limited to 2 GB per user.

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Teams & Collaboration

Full Microsoft Teams access for chat, meetings, and calls. SharePoint sites, Yammer communities, and Shift scheduling tools for frontline connectivity.

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Core Security

Azure AD P1 and Intune for basic device management and security policies on work phones or shared terminals. MFA and conditional access supported.

At approximately $8/user/month, F3 licenses are ideal for retail floor employees, manufacturing line workers, hospitality employees, and hourly service workers who mainly need to check email, view documents, and communicate via Teams. Providing E3 or E5 to these users would be overkill and cost-prohibitive.

05

Feature & Cost Comparison

PlanCost (USD/user/mo)Key FeaturesIdeal Use Cases
Microsoft 365 F3~$8Office web/mobile only (no desktop) · 2 GB mailbox (OWA only) · 2 GB OneDrive · Teams, SharePoint, Yammer · Shift scheduling · Intune + Azure AD P1Frontline/firstline workers: shift employees, retail, factory, or field staff needing basic email & Teams
Microsoft 365 E3~$34Full Office suite (desktop + web + mobile) · 100 GB mailbox + archive · 1 TB OneDrive · Exchange, Teams, SharePoint enterprise · Windows 10/11 Enterprise · Azure AD P1, Intune · Basic DLP, eDiscovery, MFAInformation/knowledge workers: employees who create documents, use email & meetings heavily, need standard enterprise security
Microsoft 365 E5~$57Everything in E3, plus: Defender for Endpoint P2 · Defender for Office P2 · Azure AD P2 · Cloud App Security · Advanced eDiscovery & Audit · Customer Lockbox · Power BI Pro · Teams Phone System · Audio ConferencingPower users & high-security: executives, analysts, IT security, compliance, regulated departments; organizations consolidating tools into M365
Cost Impact at Scale

For a 10,000-user enterprise: deploying all E5 costs ~$6.84M/year. A mix of 70% E3, 20% F3, and 10% E5 costs approximately ~$3.4M/year — a potential saving of over $3M annually. The feature gap for most users is negligible when E3 meets their needs.

06

Right-Sizing Your Licensing: Not Everyone Needs E5

One of the most important licensing strategies for a CIO is "right-sizing": ensuring each employee has the least expensive license that still meets their needs.

Step 1: Assess User Requirements

Analyze the roles within your organization and the tools each role utilizes. Survey departments or review usage logs to identify how extensively users utilize advanced features like Power BI, Defender, or phone system capabilities.

Step 2: Segment Your User Base

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High-Security / Specialized Users (E5)

Cybersecurity team, legal/compliance officers, senior executives handling sensitive data, data scientists needing Power BI Pro. Typically 10–20% of users.

💼

Knowledge Workers (E3)

Analysts, marketers, finance staff, developers, managers. They use email, Office apps, and Teams daily. E3 is usually sufficient. Only upgrade to E5 if a specific need arises.

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Frontline / Firstline Workers (F3)

Retail associates, factory technicians, field sales reps, contractors. They primarily need communication tools and may occasionally view or input data.

Step 3: Use Data-Driven Decisions

Leverage Microsoft 365 admin reports and analytics to identify which features are being utilized. If you've deployed some E5 licenses, check if those users are actually using E5-only features. If not, consider downgrading to E3. Right-sizing is an ongoing process — review license allocations quarterly or biannually as roles change.

Real-World Result

One large enterprise found that after a year of E5 for all users, only a fraction engaged with advanced security dashboards or Power BI. They shifted hundreds of users back to E3 and reallocated E5s to only those who truly needed them — achieving substantial cost savings with no loss in productivity or security.

07

Mix-and-Match Licensing and Add-On Options

Microsoft's licensing model is flexible — you do not have to choose a single SKU for everyone. Many enterprises adopt a mix-and-match approach: for example, 70% E3, 20% F3, and 10% E5. All users can still collaborate; the difference lies in individual features.

Key Add-Ons to Consider

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E5 Security Add-On (~$12/user/month)

Adds Defender suite, advanced threat protection, and Azure AD P2 to an E3 license. Useful if security is the only gap you need to fill for many E3 users — enhances security to E5 level without full E5 cost.

📋

E5 Compliance Add-On (~$10–$12/user/month)

Gives E3 users access to Advanced eDiscovery, audit, Customer Key, and advanced information protection. Ideal for legal, HR, or compliance departments under strict regulatory mandates.

📞

Teams Phone & Audio Conferencing

Adds enterprise voice calling in Teams for E3 users. No need to put everyone on E5 just to get telephony for a subset of users.

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Power BI Pro (~$10/user/month)

Standalone Power BI Pro licenses for any E3 or F3 user needing analytics capability — often cheaper than upgrading an entire group to E5 if they only lack the analytics piece.

⚠ Watch the Add-On Math

Be cautious with piecemeal add-ons: if you need to add security, compliance, and calling to a large subset of users, the combined cost might approach or exceed E5. In such cases, full E5 could be more economical and simpler to manage. Always run the numbers — calculate the breakeven point where add-ons stop making financial sense.

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08

Negotiation and Contract Considerations

Choosing between E3, E5, and F3 isn't just a technical decision — it's a major factor in your Microsoft enterprise agreement negotiations.

💰

Leverage Volume and Scope

Use planned E5 adoption as a bargaining chip. Large enterprises commonly negotiate 10–25% off E5 list price (or more for very large seat counts) in exchange for multi-year commitments or higher adoption. Don't accept the first quote — come armed with pricing benchmarks from peers.

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Timing Can Improve Deals

Align negotiations with Microsoft's fiscal year-end (June 30) or quarter-end when sales teams have strong incentives to close deals. You might secure extra incentives — free add-on licenses, extended trials, or deeper discounts on E5.

🧪

Request Trial Periods/Pilots

If unsure about E5's value, negotiate a 3–6 month pilot for select E5 features or a limited number of seats. This validates benefits before full commitment and signals to Microsoft that you're not sold on E5 sight-unseen.

♟️

Consider Alternative Scenarios

Be prepared to discuss remaining on E3 plus third-party security tools, or upgrading only a minimal set of users. The possibility that you could "walk away" from full E5 deployment gives you leverage. Even mentioning evaluating competitors (like Google Workspace) can add pressure.

Avoid Common Pitfalls

Be wary of over-committing. It's better to slightly underestimate E5 license needs and add more later than to over-purchase and have idle licenses. Also avoid double-paying: if you invest in E5, plan to phase out overlapping third-party tools. Conversely, if you keep third-party solutions, stick with E3 and avoid paying for E5 features you won't use.

Recommendations

1
Align Licenses to Roles

Categorize employees by department, role, or job function and assign the minimum required M365 SKU to each category. Executives and IT admins may receive E5; most office staff E3; frontline workers F3.

2
Start with E3 by Default

Use Microsoft 365 E3 as the default license for knowledge workers. Only upgrade individuals to E5 if a clear need is identified (specific security, analytic, or voice features). This prevents "license creep."

3
Utilize F3 for Frontline Staff

Deploy F3 licenses for employees who don't require full Office desktop apps or large mailboxes. This can dramatically cut licensing costs for large frontline teams while keeping workers connected via email and Teams.

4
Consider Add-Ons vs. Full E5

Before purchasing E5 for capabilities like advanced security or compliance, evaluate add-on licenses. Often adding an E5 Security or Compliance package to E3 for a subset addresses needs at lower cost. Choose full E5 only when multiple premium features are broadly required.

5
Regularly Audit License Usage

Conduct periodic audits of M365 usage to ensure users are on the right plans. If E5 features aren't being utilized by certain users, consider downgrading. Maintain flexibility to upgrade as new needs arise.

6
Negotiate EA Aggressively

Don't pay list prices — use benchmarks to get discounts, especially on E5. Leverage the promise of wider E5 adoption for better terms. Time negotiations around Microsoft's quarter/year-end.

7
Pilot Test E5 Features

When unsure about E5's value, run a pilot program. Enable a small group with E5 or specific add-ons. Use results (ROI, security metrics, user feedback) to decide if broader upgrade is justified.

8
Eliminate Redundancies

If you invest in E5, retire redundant third-party tools (separate security, reporting, or conferencing subscriptions). Conversely, if you prefer third-party solutions, stick with E3 to avoid paying for overlapping E5 features.

9
Stay Informed on Licensing Changes

Microsoft licensing evolves regularly. Monitor announcements (new bundles, price changes, Copilot additions). Being aware of changes allows you to adjust your strategy or renegotiate well before renewal.

10
Plan for Future Growth

If your organization may require more advanced capabilities soon, negotiate upgrade paths or pricing protections now (e.g., discounted step-up from E3 to E5 in year 2), so scaling up later is smoother and budgeted.

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Frequently Asked Questions

Can we mix E3, E5, and F3 licenses within our organization?
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Yes. Microsoft 365 allows a mix of license types in the same tenant. Mixing E3, E5, and F3 is a best practice to optimize costs. You might assign E5 to certain users or departments, and E3 or F3 to others. All users can still collaborate; the difference lies in individual features each user has access to. There's no requirement that all users be on the same SKU.
How do we determine which users truly need an E5 license?
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Focus on use case and feature requirements. Identify roles that handle highly sensitive data, face sophisticated cyber threats, or require advanced analytics and voice capabilities. Examples: cybersecurity staff (advanced threat protection), compliance/legal teams (Advanced eDiscovery), executives (high risk profile), data analysts (Power BI). For each role, ask: will this user significantly benefit from E5's extra features? Usage data and pilot programs help confirm if a user group is using those advanced features.
How much more does E5 cost compared to E3, and is it worth it?
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At list prices, E5 costs about 50–70% more than E3 per user (roughly ~$57 vs ~$34/month). Whether it's "worth it" depends on whether you need the extra features. If E5 enables you to eliminate other software costs (security, telephony, BI tools) and reduces risk, it can justify the price for those users. However, if an employee isn't utilizing E5-only capabilities, paying the premium isn't worthwhile. Many organizations find E5 is very valuable for a small portion of staff and unnecessary for the rest.
What key features does E5 have that E3 doesn't?
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E5 includes everything in E3 plus: advanced security tools (Defender for Endpoint P2, Defender for Office P2, Azure AD P2, Cloud App Security), advanced compliance tools (Advanced eDiscovery, Audit Premium, Customer Lockbox), Power BI Pro for data analytics, and Teams Phone System plus Audio Conferencing for integrated calling. If you need any of these in a widespread way, that's where E5 distinguishes itself.
When is it appropriate to use Microsoft 365 F3 licenses?
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Use F3 for employees who have limited IT needs — typically frontline or hourly workers who don't create a lot of content but need to stay connected. If a user primarily checks email via web/smartphone, uses Teams for messaging or shift scheduling, and maybe views SharePoint content, F3 is appropriate. Ideal for retail staff, factory workers, hospitality employees, call-center agents. However, if a user needs to work extensively on Office documents or requires a large mailbox, they'd need E3 instead.
Can we start users on E3 and upgrade to E5 later if needed?
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Absolutely. You can begin with users on E3 and later change their license to E5 at any time — during mid-subscription or at renewal. Licenses can be easily reassigned in the admin portal. Many organizations do this routinely: if someone's role changes or a new project demands E5 features, you upgrade on the fly. Similarly, you could trial E5 licenses and revert to E3 if value isn't there. The platform makes this technically simple.
Are there add-on options to get E5 capabilities without full E5 licenses?
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Yes. Microsoft offers add-ons that let you pick specific E5 capabilities à la carte for E3 users. The E5 Security add-on (~$12/user/month) provides advanced security tools; the E5 Compliance add-on (~$10–12/user/month) provides advanced compliance tools. You can also add Teams Phone System or Power BI Pro separately. These enable you to fill feature gaps without requiring a complete upgrade. The caution: if adding multiple add-ons, it might be cheaper to just go with E5.
How can we negotiate better pricing for E5 in our enterprise agreement?
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Know list prices and seek insight into peer discounts. Emphasize expected volume and possibility of expanding usage. It's not uncommon to achieve 15–25% off for sizeable enterprise deals. Time negotiations to coincide with Microsoft's fiscal year-end (June 30) or quarter-end. Compare alternatives — even hinting at evaluating other solutions creates leverage. Treat it like any major vendor negotiation: use your volume and willingness to expand or withhold business as leverage.
What are the risks of over-licensing or under-licensing with E3 and E5?
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Over-licensing (too many E5s) means paying for features not being used — at enterprise scale, this can mean hundreds of thousands or millions wasted. Under-licensing means certain users lack critical security or compliance functions, potentially exposing the organization to legal or security risks, or forcing last-minute third-party tool purchases at higher cost. The goal: minimize unused premium features while avoiding shortchanging important needs. Regular reviews and risk assessments help navigate this balance.
Can Microsoft 365 E5 help us cut costs by replacing other software?
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In many cases, yes. E5's value proposition is consolidation. You might retire separate email security appliances, endpoint protection subscriptions, compliance management tools, standalone BI licenses, and third-party PBX/conferencing services. However, you must actually use those E5 features to realize savings — it may require migration effort and training. Evaluate case by case: if E5 lets you eliminate, say, $20/user/month of other subscriptions, the upgrade pays for itself. Inventory your software spend in security, compliance, analytics, and voice to clarify potential ROI.

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Fredrik Filipsson

Co-Founder, Redress Compliance

Fredrik Filipsson brings 20+ years of experience in enterprise software licensing, having worked directly for IBM, SAP, and Oracle before founding Redress Compliance. He has helped hundreds of organizations — including numerous Fortune 500 companies — optimize costs, avoid compliance risks, and secure favorable terms with major software vendors.