As Microsoft ramps up Copilot’s capabilities in Excel, the AI tool is becoming genuinely useful for spreadsheet work.

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Once data is loaded into Excel, Copilot allows users to ask questions in natural language instead of building new formulas.

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Editor's Note: APYs listed in this article are up-to-date as of the time of publication. They may fluctuate (up or down) as the Fed rate changes. CNBC Select will update as changes are made public.