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
Microsoft 365 Copilot 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
47.3/ 100
- Price
- From $25.20/user/mo · $216/user/yr
- Free plan
- Not verified
Add more tools to this comparisonCompare a different set
Which one fits your team
- Checked 2026-10-16
- 6 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
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
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 2026-10-19Microsoft 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 2026-10-18The four facts that decide it
| Microsoft Copilot | Microsoft 365 Copilot | |
|---|---|---|
| Score out of 100 | 73.3 | 47.3 |
| Cheapest plan | Microsoft 365 Family | Microsoft 365 Copilot Business (add-on) |
| Free plan | Limited usage subject to capacity; sign in for chat history, image creation, voice and longer conversations | Not verified |
| Works with (apps) | 0 | 6 |
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
Microsoft 365 Copilot
- Score out of 100
- 47.3
- Cheapest plan
- Microsoft 365 Copilot Business (add-on)
- Free plan
- Not verified
- Works with (apps)
- 6
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: YesMicrosoft 365 Copilot: Yes
- Microsoft 365 Copilot
- Free; web, Windows, macOS, iOS, Android and Edge Vendor page · checked 2026-10-16
File uploadMicrosoft Copilot: YesMicrosoft 365 Copilot: Yes
- Microsoft 365 Copilot
- Uploading files is free, within capacity limits; files are deleted within 18 months Vendor page · checked 2026-10-18
Web browsingMicrosoft Copilot: YesMicrosoft 365 Copilot: Yes
Understands imagesMicrosoft Copilot: Not verifiedMicrosoft 365 Copilot: Yes
- Microsoft Copilot
- Not verified: the vendor gives no detail. Not verified
- Microsoft 365 Copilot
- Screen or camera help; extensive usage on Premium Vendor page · checked 2026-10-18
Voice modeMicrosoft Copilot: YesMicrosoft 365 Copilot: Yes
Follows your standing instructionsMicrosoft Copilot: YesMicrosoft 365 Copilot: Not verified
- Microsoft Copilot
- Build your own agents with Agent Builder and Copilot Studio Vendor page · checked 2026-10-18
- Microsoft 365 Copilot
- Not verified: the vendor gives no detail. Not verified
Remembers your preferencesMicrosoft Copilot: YesMicrosoft 365 Copilot: Yes
- Microsoft 365 Copilot
- Personalization remembers details you share when signed in; you can view and delete it Vendor page · checked 2026-10-18
Code executionMicrosoft Copilot: Not verifiedMicrosoft 365 Copilot: Not verified
- Microsoft Copilot
- Not verified: the vendor gives no detail. Not verified
- Microsoft 365 Copilot
- Not verified: the vendor gives no detail. Not verified
Team workspaceMicrosoft Copilot: YesMicrosoft 365 Copilot: Not verified
- Microsoft Copilot
- Copilot in Teams (needs a Teams licence) and shared Notebooks Vendor page · checked 2026-10-18
- Microsoft 365 Copilot
- Not verified: the vendor gives no detail. Not verified
Connects to your other apps (API)Microsoft Copilot: Not verifiedMicrosoft 365 Copilot: Not verified
- Microsoft Copilot
- Not verified: the vendor gives no detail. Not verified
- Microsoft 365 Copilot
- 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.
Microsoft 365 Copilot
Trial, refunds and getting your data out of Microsoft 365 Copilot.
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 2026-10-16Microsoft 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 2026-10-16What to do next
- Work out the cost for your own team size
- Compare the runner-up, Microsoft 365 Copilot
- See how we score, so you can check our work
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Data last verified: 2026-10-16