Microsoft Account vs Local Account on Windows

Windows can sign you in two ways: with a Microsoft account, which syncs your settings across devices, or a local account, which stays on just this PC. This guide explains the real difference, and shows how to switch between them, in either direction, from Settings.

What’s the difference?

It’s about where your settings live, not how secure you are.

Microsoft account — Settings, files and apps sync across your devices. Needs an internet connection to set up.

Local account — Lives only on this PC. No syncing, and you can sign in without internet.

Both can be secure — Either one can use a PIN, fingerprint, or Windows Hello to sign in.

How to microsoft account vs local account: step by step

Settings → Accounts → Your info

1Switch to a local account

In Settings, Accounts, Your info, click Sign in with a local account instead.

WHAT TO DOVerify your password, choose a user name and password, then click Sign out and finish.

Microsoft account vs local account: Switch to a local account

Settings → Accounts → Your info

2Switch to a Microsoft account

On a local account, click Sign in with a Microsoft account instead.

WHAT TO DOSign in, let Windows sync your settings, then click Finish.

Switch to a Microsoft account

A few tips

You can switch back any time — It’s not a one-way decision, from either account type.
New PC? Microsoft account saves time — Your settings, wallpaper, and some apps can carry over automatically.
Want less syncing? Local is fine — Especially for a shared or single-purpose computer.

Recap: Microsoft account vs local account

Microsoft account: syncs across devices, needs internet to set up
Local account: this PC only, works offline
Switch either way from Settings → Accounts → Your info
You can switch back any time

Printable quick guide

Microsoft Account vs Local Account (1-page quick guide PDF)

Frequently asked questions

Is a local account more secure than a Microsoft account?

Not really. Either one can use a strong password, a PIN, or Windows Hello (face or fingerprint) to sign in. The real difference is where your settings live, not how secure the sign-in is.

Will I lose my files if I switch account types?

No. Your profile folder, including your files, stays the same when you switch between a Microsoft account and a local account on the same PC.

Do I need an internet connection to switch account types?

Only to switch to a Microsoft account, since it has to verify your sign-in online. Switching to a local account can be done offline.

Can I switch back after I change my mind?

Yes. You can switch between a Microsoft account and a local account as many times as you like, from Settings → Accounts → Your info.

You can switch back and forth any time, it’s not a one-way decision. A Microsoft account is handy when setting up a new PC, since your settings and some apps can carry over automatically.