Pick ChatGPT if
everyone who wants a hosted general assistant — writing, Q&A, light research, images.
Read the ChatGPT pageChatGPT vs Microsoft Copilot
Our take
Pick ChatGPT if everyone who wants a hosted general assistant — writing, Q&A, light research, images. Pick Microsoft Copilot if teams already on Microsoft 365 who will buy a Copilot bundle or add-on. Skip ChatGPT if teams that cannot send prompts to OpenAI, or developers who need a repo-aware IDE (Cursor) or a local runtime (Ollama). Skip Microsoft Copilot if individuals who only want a free web chat (ChatGPT Free,
Microsoft Copilot
Microsoft’s work assistant (Copilot Chat
Best for
ChatGPT A general-purpose conversation
Microsoft Copilot AI grounded in Microsoft 365
Free plan
ChatGPT $0 · unlimited everyday text chats (abuse guardrails). Limited uploads, images, voice, deep research, memory, Codex, and desktop Work. Confirmed as the free plan on chatgpt.com/pricing copy and Help
Microsoft Copilot $0 · extra for the limited web-data chat (not in-app Copilot)
Lowest paid
ChatGPT Plus $20/mo, monthly only
Microsoft Copilot Microsoft 365 Business Standard with Copilot $23.50/user/mo
Next step up
ChatGPT Pro $100 / $200 / $500 per month
Microsoft Copilot Microsoft 365 Business Premium with Copilot $32.00/user/mo
Coding agent
ChatGPT Codex, rate-limited on Free
Microsoft Copilot Completions and chat in your IDE
Runs where
ChatGPT Local or hosted
Microsoft Copilot
Watch out
ChatGPT chatgpt.com/pricing HTML still hides $
Microsoft Copilot No signed-out composer
Last checked
ChatGPT 2026-10-19 · help.openai.com
Microsoft Copilot 2026-10-20 · microsoft.com/en-us/copilot/pricing
Which one, then?
Pick Microsoft Copilot if
teams already on Microsoft 365 who will buy a Copilot bundle or add-on.
Read the Microsoft Copilot page