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Microsoft Copilot ×
ChatGPT ×
  • Microsoft Copilot ×
  • ChatGPT ×

Comparator · Chat assistants

Microsoft Copilot$9.99/mo (Microsoft 365 Personal)vsChatGPT$20/mo (Plus (consumer))
Starting price$9.99/mo · $20/mo
Free tieryes · yes
Plans documented6 · 10
Platforms3 · 4
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Comparison of Microsoft Copilot, ChatGPT
Microsoft Copilot
Visit website for Microsoft Copilot (opens in a new tab)
ChatGPT
Visit website for ChatGPT (opens in a new tab)
Category Chat assistants Chat assistants
Main use cases
  • Everyday questions and chat
  • Drafting documents in Word
  • Summarizing Outlook email
  • Analyzing spreadsheet data
  • Generating images
  • Drafting and editing text
  • Answering general questions
  • Summarizing documents
  • Getting help with code
  • Brainstorming ideas
Best for Existing Microsoft 365 users, Office document and email productivity, Households wanting AI plus Office apps Knowledge workers, Students, Developers, General consumers
Platforms Web, Desktop, Mobile Web, Desktop, Mobile, API
Pricing model Freemium Freemium
Pricing

Copilot app: free to use (sign-in unlocks more features). Separate Microsoft 365 consumer plans with higher Copilot usage: Personal $9.99/mo, Family $12.99/mo, Premium $19.99/mo, Pro $99.99/mo (monthly billing only).

Checked Sep 29, 2026. Official pricing ↗

Individual plans: Free, Go, Plus and Pro; organization plans: Business and Enterprise. Prices were displayed in a non-US currency when we checked, so US prices are not confirmed here — see official pricing.

Checked Sep 30, 2026. Official pricing ↗
Key features
  • Chat assistant on web, desktop and mobile
  • File uploads, voice and conversation memory when signed in
  • Integration with Word, Excel, PowerPoint, Outlook and Teams
  • Choice of OpenAI and Anthropic models
  • Cowork for multi-step tasks
  • Researcher and Analyst agents (Microsoft 365 Premium/Pro)
  • Chat with file uploads and data analysis
  • Web search and deep research
  • Image generation
  • Voice conversations
  • Projects, memory and custom GPTs
  • Codex coding agent
Pros
  • Web app plus Windows, Mac, iOS and Android apps
  • Sign-in with Microsoft, Apple or Google account
  • Paid Microsoft 365 plans offer a one-month free trial (except Pro)
  • Personal plan includes 1 TB cloud storage
  • Free plan available for everyday chat
  • Apps for web, iOS, Android and desktop
  • Wide feature set in one product (search, images, voice, files)
  • Business and Enterprise plans with SSO and admin controls
Limitations
  • File uploads, unlimited voice and memory require signing in
  • Higher usage limits require a paid Microsoft 365 plan
  • Mac app requires macOS Sonoma 14 or later
  • Mobile app and feature availability vary by country/region
  • Free plan limits uploads, image generation, voice and deep research
  • The lower-cost Go plan may include ads, per OpenAI's pricing page
  • Can produce inaccurate or outdated information that needs checking
  • API usage is billed separately from ChatGPT subscriptions
Ratings
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Review status Listed

Verified Oct 1, 2026

 Listed

Verified Sep 30, 2026