Our pick for most teams
77.3/ 100
- Price
- From $25.20/user/mo · $216/user/yr
- Free plan
- Not verified
ChatGPT vs Microsoft 365 Copilot: Microsoft 365 Copilot fits most teams of 5
Start here: Microsoft 365 Copilot
Small businesses already on Microsoft 365 who want Copilot in Word, Excel, Outlook and Teams
57.8/ 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
- 5 sources
The score is worked out from the facts below. How we score tools. What we earn is not part of it.
Microsoft 365 Copilot: who it fits and who it does not
- Good for
- Small businesses already on Microsoft 365 who want Copilot in Word, Excel, Outlook and Teams
- Not for
- Businesses not on Microsoft 365 (the add-on needs a qualifying plan)
- The catch
- Copilot sits inside the Office apps your team already uses, but the add-on needs a paid Microsoft 365 plan and its lower yearly price is a first-year promotion.
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 365 Copilot
Five years for a team of 5, paid yearly: $5,400
On the Microsoft 365 Copilot Business (add-on) plan, at today's price. We do not assume a rise.
- Paid monthly, one year
- $1,512
- Paid yearly, one year
- $1,080
Paying yearly saves $432 a year (29%).
Change the number to see your own total. Nothing is sent anywhere.
Vendor pricing page · checked 2026-10-18ChatGPT
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 365 Copilot | ChatGPT | |
|---|---|---|
| Score out of 100 | 77.3 | 57.8 |
| Cheapest plan | Microsoft 365 Copilot Business (add-on) | Business (Standard seat) |
| Free plan | Not verified | 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) | 6 | 4 |
Every figure comes from the vendor's own pages, listed under Sources.
Microsoft 365 Copilot
- Score out of 100
- 77.3
- Cheapest plan
- Microsoft 365 Copilot Business (add-on)
- Free plan
- Not verified
- Works with (apps)
- 6
ChatGPT
- Score out of 100
- 57.8
- 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 365 Copilot: YesChatGPT: Yes
- Microsoft 365 Copilot
- Unlimited text chats on Free subject to abuse guardrails Vendor page · checked 2026-10-14
File uploadMicrosoft 365 Copilot: YesChatGPT: Yes
Web browsingMicrosoft 365 Copilot: YesChatGPT: Yes
Understands imagesMicrosoft 365 Copilot: YesChatGPT: Not verified
- Microsoft 365 Copilot
- 'Vision' limited on Free; included on Go, Plus, Pro Vendor page · checked 2026-10-14
- ChatGPT
- Not verified: the vendor gives no detail. Not verified
Voice modeMicrosoft 365 Copilot: YesChatGPT: Yes
- Microsoft 365 Copilot
- Voice on Free; expanded on Go/Plus; unlimited* on Pro Vendor page · checked 2026-10-14
Follows your standing instructionsMicrosoft 365 Copilot: Not verifiedChatGPT: Yes
- Microsoft 365 Copilot
- Not verified: the vendor gives no detail. Not verified
Remembers your preferencesMicrosoft 365 Copilot: YesChatGPT: Yes
- Microsoft 365 Copilot
- Limited on Free; included on Go; expanded on Plus and Pro Vendor page · checked 2026-10-14
Code executionMicrosoft 365 Copilot: YesChatGPT: Not verified
- Microsoft 365 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 365 Copilot: YesChatGPT: Yes
- ChatGPT
- Copilot in Teams (needs a Teams licence) and shared Notebooks Vendor page · checked 2026-10-18
Connects to your other apps (API)Microsoft 365 Copilot: Not verifiedChatGPT: Not verified
- Microsoft 365 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 365 Copilot
Trial, refunds and getting your data out of Microsoft 365 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 365 Copilot
https://www.microsoft.com/en-us/microsoft-365-copilot/pricing · checked 2026-10-16https://www.microsoft.com/en-us/copilot/pricing/business · 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