Our pick for most teams
73.3/ 100
- Price
- From $9.99/user/mo · $99.99/user/yr
- Free plan
- Limited usage subject to capacity; sign in for chat history, image creation, voice and longer conversations
ChatGPT vs Microsoft Copilot: Microsoft Copilot fits most teams of 5
Start here: Microsoft Copilot
People already paying for Microsoft 365 who want AI inside Word, Excel and Outlook
61.1/ 100
- Price
- From $25/user/mo · $240/user/yr
- Free plan
- Free tier: limited messages with uploads, limited image creation, voice, deep research, memory and Codex; unlimited text chats subject to abuse guardrails
Add more tools to this comparisonCompare a different set
Which one fits your team
- Checked 2026-10-14
- 7 sources
The score is worked out from the facts below. How we score tools. What we earn is not part of it.
Microsoft Copilot: who it fits and who it does not
- Good for
- People already paying for Microsoft 365 who want AI inside Word, Excel and Outlook
- First-time AI users who want a free assistant in Windows and Edge
- Not for
- Families who each need AI features (AI is for the subscription owner only)
- Users who need published usage limits
- The catch
- Free and built into Microsoft apps, but usage limits are not published and family plans give AI to the owner only.
Data last verified: 2026-10-16
ChatGPT: who it fits and who it does not
- Good for
- Writers, marketers and creatives drafting content
- Quick research, brainstorming and summarizing long texts
- Developers wanting starter code and debugging help
- Not for
- Anyone who will publish output without fact-checking
- Users needing real-time information on the free tier
- Tasks requiring highly specialized expertise or emotional empathy
- The catch
- Versatile general-purpose assistant, but it can hallucinate and the best features require a paid subscription.
Data last verified: 2026-10-14
What each one costs over five years
Same team size, cheapest plan of each, paid monthly or yearly.
Microsoft Copilot
Five years for a team of 5, paid yearly: $649.95
On the Microsoft 365 Family plan, at today's price. We do not assume a rise.
- Paid monthly, one year
- $155.88
- Paid yearly, one year
- $129.99
Paying yearly saves $25.89 a year (17%).
Change the number to see your own total. Nothing is sent anywhere.
Vendor pricing page · checked 2026-10-19ChatGPT
Five years for a team of 5, paid yearly: $6,000
On the Business (Standard seat) plan, at today's price. We do not assume a rise.
- Paid monthly, one year
- $1,500
- Paid yearly, one year
- $1,200
Paying yearly saves $300 a year (20%).
Change the number to see your own total. Nothing is sent anywhere.
Vendor pricing page · checked 2026-10-18The four facts that decide it
| Microsoft Copilot | ChatGPT | |
|---|---|---|
| Score out of 100 | 73.3 | 61.1 |
| Cheapest plan | Microsoft 365 Family | Business (Standard seat) |
| Free plan | Limited usage subject to capacity; sign in for chat history, image creation, voice and longer conversations | Free tier: limited messages with uploads, limited image creation, voice, deep research, memory and Codex; unlimited text chats subject to abuse guardrails |
| Works with (apps) | 0 | 4 |
Every figure comes from the vendor's own pages, listed under Sources.
Microsoft Copilot
- Score out of 100
- 73.3
- Cheapest plan
- Microsoft 365 Family
- Free plan
- Limited usage subject to capacity; sign in for chat history, image creation, voice and longer conversations
- Works with (apps)
- 0
ChatGPT
- Score out of 100
- 61.1
- Cheapest plan
- Business (Standard seat)
- Free plan
- Free tier: limited messages with uploads, limited image creation, voice, deep research, memory and Codex; unlimited text chats subject to abuse guardrails
- Works with (apps)
- 4
Feature by feature, on the same list
Open a row for the vendor's own wording and the page we read it on.
Chat interfaceMicrosoft Copilot: YesChatGPT: Yes
- Microsoft Copilot
- Unlimited text chats on Free subject to abuse guardrails Vendor page · checked 2026-10-14
File uploadMicrosoft Copilot: YesChatGPT: Yes
- ChatGPT
- Uploading files is free, within capacity limits; files are deleted within 18 months Vendor page · checked 2026-10-18
Web browsingMicrosoft Copilot: YesChatGPT: Yes
Understands imagesMicrosoft Copilot: YesChatGPT: Yes
- Microsoft Copilot
- 'Vision' limited on Free; included on Go, Plus, Pro Vendor page · checked 2026-10-14
Voice modeMicrosoft Copilot: YesChatGPT: Yes
- Microsoft Copilot
- Voice on Free; expanded on Go/Plus; unlimited* on Pro Vendor page · checked 2026-10-14
Follows your standing instructionsMicrosoft Copilot: Not verifiedChatGPT: Not verified
- Microsoft Copilot
- Not verified: the vendor gives no detail. Not verified
- ChatGPT
- Not verified: the vendor gives no detail. Not verified
Remembers your preferencesMicrosoft Copilot: YesChatGPT: Yes
- Microsoft Copilot
- Limited on Free; included on Go; expanded on Plus and Pro Vendor page · checked 2026-10-14
- ChatGPT
- Personalization remembers details you share when signed in; you can view and delete it Vendor page · checked 2026-10-18
Code executionMicrosoft Copilot: YesChatGPT: Not verified
- Microsoft Copilot
- 'Data analysis' limited on Free; included on paid plans Vendor page · checked 2026-10-14
- ChatGPT
- Not verified: the vendor gives no detail. Not verified
Team workspaceMicrosoft Copilot: YesChatGPT: Not verified
- ChatGPT
- Not verified: the vendor gives no detail. Not verified
Connects to your other apps (API)Microsoft Copilot: Not verifiedChatGPT: Not verified
- Microsoft Copilot
- Not verified: the vendor gives no detail. Not verified
- ChatGPT
- Not verified: the vendor gives no detail. Not verified
What you risk by starting
Microsoft Copilot
Trial, refunds and getting your data out of Microsoft Copilot.
ChatGPT
Trial, refunds and getting your data out of ChatGPT.
- Refund policy
- Canceling stops future renewals but does not automatically refund previous charges; eligibility depends on purchase and location; request via OpenAI Support (web/Google Play) or Apple (App Store)
- Vendor page · checked 2026-10-14
- Getting your data out
- Export via Settings > Data controls or the Privacy Portal ('Download my data'); ZIP of chat history and account data, can take up to 7 days; not available for Business/Enterprise/Healthcare workspaces (help.openai.com/en/articles/7260999)
- Vendor page · checked 2026-10-14
Where these facts come from
Microsoft Copilot
https://www.microsoft.com/en-us/microsoft-365-copilot/pricing/individuals · checked 2026-10-16https://support.microsoft.com/en-us/microsoft-365-copilot/what-s-the-difference-between-microsoft-copilot-free-and-copilot-in-microsoft-365 · checked 2026-10-16https://support.microsoft.com/en-us/microsoft-copilot/privacy-faq-for-microsoft-copilot · checked 2026-10-16https://support.microsoft.com/en-us/microsoft-copilot/microsoft-copilot-privacy-controls · checked 2026-10-16ChatGPT
https://help.openai.com/en/articles/8792828-chatgpt-business-overview · checked 2026-10-14https://chatgpt.com/pricing · checked 2026-10-14https://help.openai.com/en/articles/7232927-how-do-i-request-a-refund-for-chatgpt-subscription · checked 2026-10-14What to do next
- Work out the cost for your own team size
- Compare the runner-up, ChatGPT
- See how we score, so you can check our work
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Data last verified: 2026-10-14