Microsoft Copilot vs ChatGPT

Microsoft Copilot vs ChatGPT: side-by-side comparison of features, pricing, pros and cons. Pick the right AI tool for your task.

Microsoft Copilot
Best for: AI assistant integrated across Microsoft 365, Teams, Word, Excel, and Outlook
ChatGPT
Best for: General-purpose AI assistant for writing, coding, analysis, and image generation
OverviewAI assistant built into Windows 11, Edge and Microsoft 365. GPT-5.2 powered with Bing search. Free for all Windows users.OpenAI's flagship AI assistant with 1B+ monthly active users. Free and Go tiers include contextual ads (US, 2026). Plus $20/mo, Pro $100/mo, Pro $200/mo. GPT-5.5 is the current default model.
PricingFreemiumFreemium
Users1B+
Advantages
Free for all Windows 11 users — no signup or extra subscription required
Deep Office 365 integration: Word, Excel, Outlook, Teams, PowerPoint
Bing search built-in for real-time, up-to-date answers
GPT-5.2 and Claude model option for drafting in Microsoft 365 apps
1B+ monthly active users — the most widely adopted AI assistant globally
GPT-5.5 as the default model with strong reasoning and instruction following
Multi-modal: handles text, images, files, voice, code execution, and web browsing
ChatGPT Images 2.0 for high-quality AI image generation
Custom GPTs for personal AI configurations and specialized workflows
Disadvantages
Quality inconsistent compared to using ChatGPT or Claude directly
Full Microsoft 365 Copilot costs an extra $30/user/month on top of M365 subscription
Free and Go tiers now show contextual ads (US market, 2026)
Usage limits on Plus frustrating during peak hours
Less specialized than purpose-built tools for coding or deep research
Pro plans at $100–$200/month expensive for individual users
Rating
Websitecopilot.microsoft.comchat.openai.com