ChatGPT
Solo $20 · Team-5 $100/mo
G2 4.6 (3,909)
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Covers:ChatImagesVoiceAgents
OpenAI's assistant for chat, images, research, coding agents and voice.
Free plan
Microsoft Copilot
Microsoft's free AI assistant, with bigger Copilot limits in Microsoft 365 Premium and Pro.
Covers:ChatImagesVoice
Free plan
Own Microsoft Copilot? or
Facts verified Nov 2026. Spotted a mistake?
What you'd pay
verified Nov 2026Solo
$16.67/mo
Team of 5
$83.35/mo
Flat
PlanMonthlyAnnual, per monthUnitIncluded
Copilot (free)Monthly: $0Annual, per month: —per account
- · Chat and web answers
- · Image creation
- · Copilot Voice
Microsoft 365 PersonalMonthly: $9.99Annual, per month: $8.33per subscription (1 person)
- · Office apps and 1 TB storage
- · Copilot in apps: 60 AI credits/month
Microsoft 365 FamilyMonthly: $12.99Annual, per month: $10.83per subscription (up to 6 people)
- · Office apps for up to 6 people
- · 60 AI credits/month for owner only
Microsoft 365 PremiumMonthly: $19.99Annual, per month: $16.67per subscription (up to 6 people; AI for owner)
- · Extensive Copilot use in Word, Excel, PowerPoint, Outlook
- · Researcher, Analyst, Deep Research
- · Voice 60 min/day, Vision 15 min/day
- · Limited agent tasks
Microsoft 365 ProMonthly: $99.99Annual, per month: —per subscription (monthly only; AI for owner)
- · Everything in Premium
- · Highest Copilot and agentic AI limits
- · 5 TB shared storage
External ratings
verified Nov 2026Our scores
Value4/5
Ease of use4/5
Depth3/5
Support2/5
Text 4/5Image 4/5Video 1/5Voice 4/5Agents 2/5
What it is
Copilot is Microsoft's consumer AI assistant on web, Windows, Edge and mobile, free with a Microsoft account. It chats, searches the web, creates images and supports voice conversation. Microsoft 365 Premium replaced Copilot Pro in October 2025 and bundles higher Copilot limits with the Office apps; a top Microsoft 365 Pro tier was added in September 2026. Limitation: the paid plans share Office apps with up to six people, but only the subscription owner gets the extra Copilot features.
Standout capability
Only consumer AI plan that bundles AI help inside Word, Excel, PowerPoint and Outlook.
Best for
Microsoft 365 householdsWindows usersOffice document work
- Free chat with web answers
- Image creation
- Copilot Voice conversation
- Copilot inside Office apps
Community sentiment
What people praise
Users appreciate a capable free assistant and, on Premium, getting AI help directly inside the Office apps they already use.
What people complain about
Frequent complaints are inconsistent answers, confusing plan changes and Copilot being pushed into Windows and Office whether wanted or not.
Geo & compliance
- EU data hosting
- Unknown
What we like
- Generous free tier
- Built into Windows and Edge
- Premium bundles Office apps
Worth knowing
- Extra AI only for plan owner
- Plan names change often
- Answers can be inconsistent
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