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ChatGPT vs Microsoft Copilot

Features, pricing, ratings, and pros and cons, side by side.

ChatGPT logo

ChatGPT

OpenAI's AI assistant for writing, research, coding, image generation and voice chat

4.0(1 review)Freemium
Visit websiteView details
Microsoft Copilot logo

Microsoft Copilot

Microsoft's AI assistant for chat, writing and research across web, apps and Microsoft 365

Freemium
Visit websiteView details

Verdict

ChatGPT and Microsoft Copilot are both AI Assistants tools. ChatGPT scores higher in FinderAtlas's editorial review (8.9 vs 8.4 out of 10). Both have a free plan or trial.

Best overall

ChatGPT

  • Students
  • Writers
  • Software Developers
  • Researchers

Choose ChatGPT if

  • You want a tool built for everyday questions, drafting and editing text, summarizing documents, coding help, data analysis and image generation in one assistant.
  • One assistant covers text, voice, images, file analysis, search and coding.
  • Free tier lets users try the service without a card.

Choose Microsoft Copilot if

  • You want a tool built for drafting and summarizing inside Word.
  • Free tier with chat, image creation and voice on web, desktop and mobile.
  • Built into Word, Excel, PowerPoint, Outlook and Teams for Microsoft 365 subscribers.
Best for beginners
ChatGPT
Best for business
ChatGPT

Features

18 features compared.

  • Chat with web search
    ChatGPT
    Available
    Microsoft Copilot
    Not available
  • Voice mode
    ChatGPT
    Available
    Microsoft Copilot
    Not available
  • Image generation
    ChatGPT
    Available
    Microsoft Copilot
    Not available
  • File and image analysis
    ChatGPT
    Available
    Microsoft Copilot
    Not available
  • Projects
    ChatGPT
    Available
    Microsoft Copilot
    Not available
  • ChatGPT agent
    ChatGPT
    Available
    Microsoft Copilot
    Not available
  • Codex
    ChatGPT
    Available
    Microsoft Copilot
    Not available
  • Connectors and apps
    ChatGPT
    Available
    Microsoft Copilot
    Not available
  • Chat
    ChatGPT
    Not available
    Microsoft Copilot
    Available
  • Image creation
    ChatGPT
    Not available
    Microsoft Copilot
    Available
  • Voice
    ChatGPT
    Not available
    Microsoft Copilot
    Available
  • Microsoft 365 integration
    ChatGPT
    Not available
    Microsoft Copilot
    Available
  • Cowork
    ChatGPT
    Not available
    Microsoft Copilot
    Available
  • Researcher
    ChatGPT
    Not available
    Microsoft Copilot
    Available
  • Code
    ChatGPT
    Not available
    Microsoft Copilot
    Available
  • Notebook and Guided Learning
    ChatGPT
    Not available
    Microsoft Copilot
    Available
  • Work IQ
    ChatGPT
    Not available
    Microsoft Copilot
    Available
  • Auto model picker
    ChatGPT
    Not available
    Microsoft Copilot
    Available

Pricing

Plans as listed by each vendor. Check their sites for current prices.

  • Pricing model
    ChatGPT
    Freemium
    Microsoft Copilot
    Freemium
  • Free plan
    ChatGPT
    Yes
    Microsoft Copilot
    Yes
  • Starting price
    ChatGPT
    $0
    Microsoft Copilot
    $0
  • Plans
    ChatGPT
    8 plans
    Microsoft Copilot
    4 plans

ChatGPT plans

  • Free

    $0

    Limited access to OpenAI's models for everyday use

    • Limited messages
    • Limited file uploads
    • Limited image generation
    • May show ads in some regions

  • Go

    $8/month

    Low-cost plan with more usage than Free

    • More messages than Free
    • More uploads and image generation
    • May show ads

  • Plus

    Most popular

    $20/month

    For individuals who want more capable models and higher limits

    • Access to more advanced models
    • Projects
    • Expanded Codex
    • Higher limits for research and voice

  • Pro 100

    $100/month

    High-volume use for research and coding

    • About 5x Plus usage
    • Everything in Plus

  • Pro 200

    $200/month

    Higher usage than Pro 100

    • About 20x Plus usage
    • Everything in Plus

  • Pro 500

    $500/month

    Highest usage tier

    • Highest usage limits
    • Ultrafast model variants
    • Everything in Plus

  • Business

    $25/user/mo

    For small teams, with a two-seat minimum

    • Shared workspace
    • Admin controls
    • Business data not used for training by default

  • Enterprise

    Custom/user/mo

    For large organizations, priced by contract

    • Single sign-on
    • Admin and security controls
    • Dedicated support

Microsoft Copilot plans

  • Copilot Free

    $0

    Free with a signed-in Microsoft account; some features have usage limits

    • Chat
    • Image creation
    • Voice
    • Web research
    • Copilot apps on web
    • desktop and mobile

  • Microsoft 365 Personal

    $9.99/month

    One person; includes desktop Office apps and Copilot with higher usage than free

    • Copilot in Word
    • Excel
    • PowerPoint and Outlook
    • Higher usage than free
    • 1 TB storage

  • Microsoft 365 Premium

    Most popular

    $19.99/month

    Up to 6 people on the plan, with AI features for the owner; replaced Copilot Pro

    • Everything in Family
    • Extensive advanced chat and image creation
    • Premium-only features
    • Limited agentic AI use

  • Microsoft 365 Copilot Business

    $25.20/user/month

    Add-on for small and medium businesses; needs an eligible Microsoft 365 plan

    • Copilot in Microsoft 365 apps
    • Chat grounded in work data
    • Enterprise Data Protection
    • Admin controls
    • Adoption analytics

Our ratings

Scored out of 10 by the Finder Atlas editorial team. Last reviewed October 2026.

ChatGPT
8.9overall
Microsoft Copilot
8.4overall

  • General Reasoning & Logic

    ChatGPT
    9.0
    Microsoft Copilot
    Not rated

  • Conversational Fluency

    ChatGPT
    9.2
    Microsoft Copilot
    Not rated

  • Coding & Data Analysis

    ChatGPT
    8.8
    Microsoft Copilot
    Not rated

  • Multimodal Processing

    ChatGPT
    9.0
    Microsoft Copilot
    Not rated

  • Ecosystem & Integrations

    ChatGPT
    8.7
    Microsoft Copilot
    Not rated

  • Microsoft 365 Integration

    ChatGPT
    Not rated
    Microsoft Copilot
    9.3

  • Enterprise Security

    ChatGPT
    Not rated
    Microsoft Copilot
    8.8

  • Ease of Use

    ChatGPT
    Not rated
    Microsoft Copilot
    8.2

  • Reasoning & Logic

    ChatGPT
    Not rated
    Microsoft Copilot
    8.0

  • Value for Money

    ChatGPT
    Not rated
    Microsoft Copilot
    7.8

Scores weigh documented features, plan value, platform coverage, integrations and user feedback. A missing score means we have not rated that area yet.

Pros and cons

ChatGPT

Pros

  • One assistant covers text, voice, images, file analysis, search and coding
  • Free tier lets users try the service without a card
  • Apps for web, iOS, Android, macOS and Windows with synced history
  • Large ecosystem of connectors, projects and agent features
  • Plans range from $8 to $500 per month, so users can match spend to usage

Cons

  • Free and Go usage limits are low and may include ads
  • Pricing and model lineup change often, which makes limits hard to compare over time
  • Answers can be wrong and need checking, especially for facts and citations
  • The top Pro tiers cost $100 to $500 per month

Microsoft Copilot

Pros

  • Free tier with chat, image creation and voice on web, desktop and mobile
  • Built into Word, Excel, PowerPoint, Outlook and Teams for Microsoft 365 subscribers
  • Copilot Chat is included with eligible business Microsoft 365 plans at no extra cost
  • Enterprise Data Protection and admin controls in business plans
  • Apps for Windows, macOS, iOS and Android

Cons

  • Consumer premium features require a Microsoft 365 subscription; the standalone Copilot Pro plan is no longer sold
  • Copilot Business is an add-on at $21 to $25.20 per user per month on top of a Microsoft 365 plan
  • Usage limits apply to free and lower tiers, and Microsoft does not publish exact numbers on the pricing page
  • Family plan AI features are for the subscription owner only

Platforms

  • Web
    ChatGPT
    Supported
    Microsoft Copilot
    Supported
  • Windows
    ChatGPT
    Supported
    Microsoft Copilot
    Supported
  • macOS
    ChatGPT
    Supported
    Microsoft Copilot
    Supported
  • iOS
    ChatGPT
    Supported
    Microsoft Copilot
    Supported
  • Android
    ChatGPT
    Supported
    Microsoft Copilot
    Supported
  • API
    ChatGPT
    Not supported
    Microsoft Copilot
    Not supported
  • Browser Extension
    ChatGPT
    Not supported
    Microsoft Copilot
    Not supported

Integrations

ChatGPT

2 integrations
  • Gmail
  • MCP connectors

Microsoft Copilot

9 integrations
  • Microsoft 365
  • Word
  • Excel
  • PowerPoint
  • Outlook
  • Teams
  • OneNote
  • OneDrive
  • Microsoft Edge

Company

  • Company
    ChatGPT
    OpenAI
    Microsoft Copilot
    Microsoft
  • Founded
    ChatGPT
    2015
    Microsoft Copilot
    1975
  • Headquarters
    ChatGPT
    San Francisco, CA
    Microsoft Copilot
    Redmond, WA
  • Listing
    ChatGPT
    Claimed
    Microsoft Copilot
    Claimed

Frequently asked questions

Is ChatGPT better than Microsoft Copilot?

It depends on your workflow. ChatGPT is built for everyday questions, drafting and editing text, summarizing documents, coding help, data analysis and image generation in one assistant. Microsoft Copilot is built for drafting and summarizing inside Word.

What are the key feature differences between ChatGPT and Microsoft Copilot?

ChatGPT: OpenAI's AI assistant for writing, research, coding, image generation and voice chat. Microsoft Copilot: Microsoft's AI assistant for chat, writing and research across web, apps and Microsoft 365. ChatGPT is rated 4.0/5 from 1 user review.

Does ChatGPT or Microsoft Copilot have a free plan?

Yes, both do. ChatGPT is freemium and Microsoft Copilot is freemium, and each has a free plan or trial.

Which is cheaper, ChatGPT or Microsoft Copilot?

Both can be used for free. Paid plans differ in limits and features, so compare the tiers in the pricing table above.