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ChatGPT vs Microsoft 365 Copilot: Complete Comparison 2026

Choosing between ChatGPT and Microsoft 365 Copilot? We compare both tools across features, pricing, pros and cons to help you decide which is the better fit in 2026.

ChatGPT9.5

OpenAI · Chatbots & LLMs, Coding, Writing

ChatGPT is OpenAI's flagship conversational AI, powering hundreds of millions of weekly users across web, mobile and API. Built on the GPT-4o and GPT-5 family of models, it handles text, images, voice and code in a single interface. With browsing, data analysis, custom GPTs and a vast plugin ecosystem, it remains the default assistant for most knowledge workers.

Microsoft 365 Copilot8.3

Microsoft · Productivity, Writing

Microsoft 365 Copilot embeds AI across Word, Excel, PowerPoint, Outlook and Teams to draft, analyse and summarise using your work data. It's the default AI layer for Microsoft-centric enterprises.

Key differences at a glance

  • •ChatGPT scores higher overall (9.5 vs 8.3).
  • •ChatGPT has a free tier; Microsoft 365 Copilot does not.
  • •ChatGPT leans on most polished and widely supported ecosystem.
  • •Microsoft 365 Copilot leans on deep office integration.

Side-by-side comparison

FeatureChatGPTOpenAIMicrosoft 365 CopilotMicrosoft
Quality score9.5 / 108.3 / 10
Starting price$20/mo$30/mo
Free tierYes — Free tier availableNo
API input price$30 / 1M tokens—
API output price$180 / 1M tokens—
SpeedFast—
Context window128K tokens—
CategoriesChatbots & LLMs, Coding, WritingProductivity, Writing
Key features
  • Multimodal text, image and voice input
  • Advanced data analysis (code interpreter)
  • Custom GPTs and GPT Store
  • Web browsing and real-time search
  • Drafting in Word and Outlook
  • Excel analysis and formulas
  • PowerPoint generation
  • Teams meeting recaps
Pros
  • + Most polished and widely supported ecosystem
  • + Excellent general reasoning and coding
  • + Huge third-party integration support
  • + Deep Office integration
  • + Works on your real data
  • + Enterprise security
Cons
  • − Usage caps on the most capable models
  • − Can be verbose and overly cautious
  • − Premium per-seat price
  • − Requires M365 ecosystem

ChatGPT

Choose ChatGPT if you want most polished and widely supported ecosystem and a free tier to start.

Microsoft 365 Copilot

Choose Microsoft 365 Copilot if you want deep office integration.

Pricing comparison

ChatGPT
$20/mo
API: $30 in / $180 out per 1M tokens
Microsoft 365 Copilot
$30/mo
查看即時 API 價格數據 → llmprice.app

The verdict

Overall, ChatGPT edges ahead with a quality score of 9.5 versus 8.3 for Microsoft 365 Copilot. Choose ChatGPT if you want most polished and widely supported ecosystem. That said, Microsoft 365 Copilot is the better pick when deep office integration matters most — so the right answer depends on your priorities and budget.

Try ChatGPT →Try Microsoft 365 Copilot →

Frequently asked questions

Q. Which is better, ChatGPT or Microsoft 365 Copilot?

On our scoring, ChatGPT edges ahead (9.5/10), but the right pick depends on your priorities and budget — see the breakdown above.

Q. Is ChatGPT or Microsoft 365 Copilot cheaper?

ChatGPT has a free tier, so it's cheaper to start. Microsoft 365 Copilot begins at $30/mo.

Q. Can I use ChatGPT and Microsoft 365 Copilot together?

Yes — many teams use more than one AI tool, picking ChatGPT for some tasks and Microsoft 365 Copilot for others where it's stronger.