Snowflake has put its AI helper CoCo into a chat pane inside Excel and Google Sheets. Snowflake calls it a preview; its preview page says previews should not be used with production data, and its Preview Terms say they are for internal evaluation. It bills by token use plus warehouse compute. Snowflake's price table lists a rate per model but does not mention Excel or Sheets.
Snowflake is a service where companies store their business data. CoCo is its AI helper, and these two add-ons put it in a chat window beside your spreadsheet. Think of an analyst sitting next to you: you ask for last quarter's revenue by region (Snowflake's own example), and, as Snowflake describes it, the helper fetches the numbers from the company's data store and shows you what it wants to write before it writes anything. It matters to you only if your company already uses Snowflake. If it does, the questions are what it costs, which terms apply to a preview, and what ends up in the file. We tested nothing.
Snowflake, a platform where companies keep and analyze their data, has put an AI helper called CoCo into a chat pane beside Microsoft Excel and Google Sheets. Snowflake's release note of November 3, 2026 calls it a preview, and it needs a Snowflake account with CoCo switched on. You type a request and, once you approve each change, CoCo fills the sheet with numbers read from your company's Snowflake data at the moment you ask. Snowflake's own example request is "Show last quarter’s revenue by region."
Whose permissions does it use?
Your own, says Snowflake: "Queries run under your own role, so access control, masking, and row access policies apply to the data that reaches your spreadsheet." The claim is Snowflake's. In plain terms (our wording), a role is a named set of permissions, and masking and row access policies hide values or rows.
How does it work, step by step?
- An administrator sets up sign-in, once. The Excel guide says "an account administrator creates an OAuth security integration and gives you the resulting client ID" (OAuth is a standard way to log in on the vendor's own page and hand an app a limited pass). Only an account administrator, or a role with "the global CREATE INTEGRATION privilege", can run the command. The Sheets guide says an account with the Excel integration "can use the same integration and the same client ID".
- Someone installs it by hand, not from an app store. "During the current stage of the preview", the Excel add-in is a file you "sideload" on Mac or Windows, and the Sheets add-on is a script you copy into a spreadsheet. A Microsoft 365 or Google Workspace administrator can instead deploy it organization-wide.
- You sign in. You enter your Snowflake account identifier and the client ID (a code Snowflake generates for your company's sign-in setup), log in with your own credentials in the browser, and paste back a one-time code.
- You ask, then approve. CoCo writes and runs the query, shows a before-and-after of the cells, and you accept or reject it. A later refresh re-runs the saved query "without a request to the model".
What does a citation tell you?
Snowflake says every written value carries a citation, so "results can be verified rather than taken on trust". A citation shows where a number came from. It does not show that the query behind it asked the right question. In our reading, the check stays with a person. The guides advise: "For accurate results, include the context CoCo needs, such as the database, schema, and objects you want to work with." Snowflake's Excel guide lists copying or deleting a sheet, and refreshing a table, among changes that "can’t be fully reversed" with undo.
Has Snowflake tested it?
Snowflake's blog post of November 5, 2026 reports its own internal tests of common spreadsheet tasks in Excel (25 tasks, three trials, October 26 to 28, 2026) and says CoCo for Excel had "better latency and used fewer output tokens" than "an AI model harness for Excel using the Snowflake MCP". These are Snowflake's results, for Excel only; we read the text, not the charts, and reproduced nothing.
How finished is it?
| Where | Label as printed |
|---|---|
| Release note, "Nov 03, 2026" | Title ends "(Preview)"; text says the add-ons "are now available in preview" |
| Excel and Sheets guides | "Preview Feature", the word "Open" (Snowflake's Preview features page says "Most preview features are Open, meaning they are enabled by default for all accounts"), and the line "Available to all accounts." |
"Available to all accounts" is Snowflake's phrase for the preview. It does not mean any company can use it: the guides also require "A Snowflake account with Snowflake Cortex and CoCo enabled" and the administrator's sign-in setup. We do not call it generally available, because Snowflake's pages do not.
What do Snowflake's preview terms say?
In short, Snowflake's own pages say previews are meant for testing, not for production or regulated data, and that previews sit outside its support and privacy commitments. The Preview features page says: "Preview features are provided primarily for evaluation and testing purposes. They should not be used in production systems or with production data." Snowflake's Preview Terms of Service (the page prints "Last Updated: November 24, 2020") say previews are for "internal evaluation purposes", are "excluded from Snowflake’s support and service level obligations" and from its "security, compliance and privacy commitments", and that customers "shall not use Previews to process personal data or other data that is subject to any compliance or legal requirements".
Snowflake's AI Terms (the page prints "Last Updated: October 27, 2026") promise that Snowflake "will not use Customer Data or Usage Data (in each case, including any Inputs or Outputs) to train, re-train or fine-tune any Model that Snowflake makes available for use by other parties". They also say use of "any Preview AI Features is outside the scope of these AI Terms", and they define the features they cover as "generally available". The legal notice on both guides names its designation "Covered AI Features", while the same guides say "Preview Feature". The pages we read do not say which terms apply to the add-ons. That depends on your agreement with Snowflake; ask your counsel.
How much does it cost, and how is it billed?
The guides say the add-ons are "billed based on token consumption, consistent with other CoCo experiences, and doesn’t require a separate per-seat license". (A token is a small chunk of text that AI services count and bill by.) The guides add: "Pricing details are provided in the Snowflake Service Consumption Table."
We read that table on November 10, 2026; it prints "Effective: November 9, 2026". Its Table 6(e), "Snowflake AI Features Table, Snowflake CoCo", has one row per model, with rates in "AI Credits per one million Tokens". Across its 44 rows the input rate runs from 0.055 to 11.00, so which model the add-ons use would matter; the pages we read do not say. The table does not mention Excel or Sheets, and the guides do not list which models the add-ons offer, so we cannot say which row applies to you. Its Table 2(b) prices an AI Credit at $2.00 on demand (Global) or $2.20 (Regional) (capacity customers pay by contract size). The table says it "applies to Previews, provided that Previews may be subject to different pricing, as may be set forth in the applicable Documentation", and the guides set out no different price. We measured no task and do no cost arithmetic.
| Item | What the guides say |
|---|---|
| Refreshing from the pane | "Refreshing data from the pane doesn’t consume CoCo tokens." Yet "Each refresh still uses virtual warehouse compute to run the queries." |
| Asking CoCo in chat to refresh | "that request consumes CoCo tokens like any other CoCo request" |
The limit and quota pages we read name CoCo CLI, CoCo Desktop and CoCo in Snowsight, not Excel or Sheets, so whether spreadsheet use counts is a question for Snowflake.
What access does the Google Sheets add-on ask for?
The Sheets guide says: "The script asks Google for permission to see, edit, create, and delete all your Google Sheets spreadsheets, plus permission to show its menu and sidebar." Snowflake adds that "The script reads and writes only the spreadsheet that it’s copied into." The guide also says the Apps Script code "never receives your Snowflake sign-in tokens, and it has no permission to make network requests". These are Snowflake's statements; we did not test what the permission allows or any of them.
Where does it stop?
- Phones. Sheets needs "Google Sheets in a web browser on a computer. The add-on doesn’t run in the Google Sheets apps for Android or iOS."
- The Sheets version does less than the Excel one. No CORTEX functions (the formulas that call Snowflake's AI from one cell) and no refresh when the file opens.
- Settings travel with the file; your agreement does not. An Excel workbook stores its saved queries and, if switched on, its "refresh when opening" setting, so "anyone who opens a copy receives both". But "Your agreement to run those queries isn’t stored in the file", so, as Snowflake describes it, a workbook someone sends you cannot run its queries as you until you turn the setting on yourself.
- An interrupted refresh can leave mixed data. Both guides say the result "can hold a mix of old and new rows"; CoCo "reports how many rows it wrote and doesn’t retry".
What do the pages not say?
On the Snowflake pages we read, we did not find: which models the add-ons offer; how often the generated queries are correct on your data; what a typical task costs; which terms apply to the add-ons; whether prompts and results are kept (the AI Terms page does not use the words "retain" or "retention", and the guides print a table labelling inputs "Usage Data" and outputs "Customer Data"); what a colleague sees when they open the file, beyond "the underlying data remains governed by Snowflake"; or any review by Microsoft or Google (the Sheets guide says only, of a private app, that "Google doesn’t review private apps").
What should you ask before switching it on?
In our reading, settle these first:
- Who pays for the tokens and for refreshes?
- Who may create the sign-in setup?
- Do daily limits or quotas cover the spreadsheets?
- Who can open the file after the numbers land in it?
- Are prompts and results kept, and by whom?
- Which terms govern the preview for our account?
On November 10, 2026 we read the thirteen Snowflake pages listed under Sources: the release note prints Nov 03, 2026, the blog Nov 5, 2026, the price table "Effective: November 9, 2026", the two terms pages a "Last Updated" date each, the release index carries dated entries, and seven pages print no date. We did not open the Pass-Through Terms or the Acceptable Use Policy. We tested nothing; everything here is Snowflake's own text. Snowflake sells the tokens and credits described. Pages can change.
What to do this week
Steps that need no developer access.
- Ask whoever runs your Snowflake account whether CoCo is switched on for it, and who would pay for tokens and warehouse credits. If you do not use Snowflake, stop here.
- Name one owner for the sign-in setup and for deciding who may use the add-ons. The guides say only an account administrator, or a role with the global CREATE INTEGRATION privilege, can create it.
- Ask Snowflake in writing which model rows of its Service Consumption Table apply to the spreadsheet add-ons, whether daily limits and quotas cover them, how long prompts and results are kept, and whether the AI Terms or the Preview Terms govern your account. The pages we read do not answer these.
Read next
Our teardown of Databricks Genie file analysis covers whose permissions that product uses. See also enterprise AI agent platforms compared, production AI agents architecture and the teardowns hub.
Sources
- Snowflake documentation: release note "Nov 03, 2026: Snowflake CoCo for Microsoft Excel and Snowflake CoCo for Google Sheets (Preview)", read November 10, 2026
- Snowflake documentation: Snowflake CoCo for Microsoft Excel (no printed date), read November 10, 2026
- Snowflake documentation: Snowflake CoCo for Google Sheets (no printed date), read November 10, 2026
- Snowflake Service Consumption Table (PDF, "Effective: November 9, 2026"), read November 10, 2026
- Snowflake blog: "Bringing Governed AI to the Spreadsheet: Announcing Snowflake CoCo for Microsoft Excel and Google Sheets" (Nov 5, 2026), read November 10, 2026
- Snowflake Preview Terms of Service ("Last Updated: November 24, 2020"), read November 10, 2026
- Snowflake AI Terms ("Last Updated: October 27, 2026"), read November 10, 2026
- Snowflake documentation: Preview features (no printed date), read November 10, 2026
- Snowflake documentation: Overview of Snowflake CoCo (no printed date), read November 10, 2026
- Snowflake documentation: Cost controls for CoCo (no printed date), read November 10, 2026
- Snowflake documentation: Daily credit usage limits for CoCo (no printed date), read November 10, 2026
- Snowflake documentation: Per-user quotas (no printed date), read November 10, 2026
- Snowflake documentation: new features index, entry of Nov 03, 2026, read November 10, 2026