Microsoft 365 Copilot vs ChatGPT

Pick up to 4 tools and see their free plans, entry prices, platforms and limits in one table. Every fact comes from each vendor's own pages, checked 23 September 2026.

Compared on	Microsoft 365 Copilot From $21/user/mo Visit Remove	ChatGPT Free plan · from $8/mo Visit Remove
What it is	AI assistant built into Word, Excel, PowerPoint, Outlook and Teams for business	OpenAI's AI chat assistant for writing, research, images, voice and coding
Free plan	No	Unlimited text chats with GPT-5.6 Luna (subject to abuse guardrails); limited uploads, image generation, voice chats, deep research, memory and Codex access
Cheapest paid plan	$21/user/mo billed annually (Microsoft 365 Copilot Business (add-on))Microsoft 365 Copilot pricing	$8/mo (Go)ChatGPT pricing
What it covers	Add-on only for existing customers with an eligible Microsoft 365 Business plan, which is paid for separately. Monthly figure is the monthly-subscription price. A promotional price of $18.00 per user/month (paid yearly) is offered between July 1 and December 31, 2026.	Go may include ads. Plus is $20/month. OpenAI's FAQ says Go and Plus are sold as monthly plans; annual plans are for Business and Enterprise.
Free trial	None stated	None stated
Platforms	Not stated	Web, iOS, Android, macOS
Integrations (vendor's figure)	Not stated	Not stated
Open source	No	No
Good for	Summarising long email threads and Teams meetings for a small team Drafting proposals and reports in Word from existing files Getting a first-pass analysis of spreadsheet data in Excel	Drafting and editing emails, reports and posts Researching a topic with web search and deep research Analysing a spreadsheet or document you upload
Watch out for	Copilot Business is an add-on: it needs a separate, eligible Microsoft 365 Business plan Business plans cover identity and access management for up to 300 users; larger organisations use the enterprise plan at $30.00 user/month paid yearly A monthly subscription costs 20% more per user than paying yearly ($25.20 vs $21.00 for the add-on)	Free and Go have limited uploads, image generation, voice, deep research and Codex access The Go plan may include ads Business plans start at 2 users; Enterprise and Edu pricing requires contacting sales
Made by	Microsoft Corporation	OpenAI

Entry prices are the cheapest paid plan, as each vendor publishes it; “What it covers” says what that price is per (a user, a channel, a brand, a number of contacts). The sources are listed on each tool's page.

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