Microsoft 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.

Written head to head: Microsoft Copilot vs ChatGPT, with when to choose each side.

Compared on	Microsoft Copilot Free plan · from $9.99/mo Visit Remove	ChatGPT Free plan · from $8/mo Visit Remove
What it is	Microsoft's free consumer AI assistant, with more use in Microsoft 365 plans	OpenAI's AI chat assistant for writing, research, images, voice and coding
Free plan	Limited free version subject to available capacity and usage limits; signing in with a personal Microsoft account adds chat history, image creation, longer conversations and voice	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	$9.99/mo (Microsoft 365 Personal)Microsoft Copilot pricing	$8/mo (Go)ChatGPT pricing
What it covers	Or $99.99/year. Copilot chat with higher usage than free, plus Copilot in Microsoft 365 apps; AI features are for the subscription owner only.	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	1-month free trial of Microsoft 365 Personal, Family or Premium	None stated
Platforms	Web, Windows, macOS, iOS, Android	Web, iOS, Android, macOS
Integrations (vendor's figure)	Not stated	Not stated
Open source	No	No
Good for	Asking quick questions and getting answers from the web Summarising a long web page in Edge Drafting documents in Word with a Microsoft 365 subscription	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	Free use depends on available capacity and usage limits In Microsoft 365 Family, Copilot features are for the subscription owner only and cannot be shared Copilot Pro is no longer sold; Microsoft points buyers to Microsoft 365 Premium	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	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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