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Kimi vs Microsoft Copilot

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

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

Kimi and Microsoft Copilot are both AI Assistants tools. Microsoft Copilot scores higher in FinderAtlas's editorial review (8.4 vs 7.9 out of 10), led by ease of use. Both have a free plan or trial. Only Kimi offers an API. Only Microsoft Copilot is available on Windows and Android.

Best overall

Microsoft Copilot

  • Microsoft 365 users
  • Office workers
  • Students
  • Small businesses

Choose Kimi if

  • You want a tool built for Long-form research, generating slide decks and documents, parallel agent tasks, coding assistance with Kimi Code.
  • International USD plans start at $19/month and include Kimi Code and Agent Swarm.
  • Broad agent toolset: deep research, slides, documents, spreadsheets, website building and scheduled tasks.

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
Kimi
Best for business
Microsoft Copilot

Features

19 features compared.

  • Kimi K3 Assistant
    Kimi
    Available
    Microsoft Copilot
    Not available
  • Agent Swarm
    Kimi
    Available
    Microsoft Copilot
    Not available
  • Deep Research
    Kimi
    Available
    Microsoft Copilot
    Not available
  • Presentations and Documents
    Kimi
    Available
    Microsoft Copilot
    Not available
  • App and Website Builder
    Kimi
    Available
    Microsoft Copilot
    Not available
  • Scheduled Tasks and Projects
    Kimi
    Available
    Microsoft Copilot
    Not available
  • Kimi Code
    Kimi
    Available
    Microsoft Copilot
    Not available
  • Plugins
    Kimi
    Available
    Microsoft Copilot
    Not available
  • Goal Mode
    Kimi
    Available
    Microsoft Copilot
    Not available
  • Chat
    Kimi
    Limited
    Microsoft Copilot
    Available
  • Image creation
    Kimi
    Not available
    Microsoft Copilot
    Available
  • Voice
    Kimi
    Not available
    Microsoft Copilot
    Available
  • Microsoft 365 integration
    Kimi
    Not available
    Microsoft Copilot
    Available
  • Cowork
    Kimi
    Not available
    Microsoft Copilot
    Available
  • Researcher
    Kimi
    Not available
    Microsoft Copilot
    Available
  • Code
    Kimi
    Limited
    Microsoft Copilot
    Available
  • Notebook and Guided Learning
    Kimi
    Not available
    Microsoft Copilot
    Available
  • Work IQ
    Kimi
    Not available
    Microsoft Copilot
    Available
  • Auto model picker
    Kimi
    Not available
    Microsoft Copilot
    Available

Limited means partial support or a paid add-on.

Pricing

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

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

Kimi plans

  • Free

    $0

    Entry tier of the consumer assistant

    • Chat
    • limited agent usage

  • Plus

    Most popular

    $19/month

    Entry paid plan for coding and research

    • Kimi Code
    • research
    • office tasks
    • Agent Swarm
    • rolling 5-hour Kimi Code limit with no weekly limit

  • Pro

    $39/month

    More credits and advanced agent features

    • Everything in Plus
    • more credits
    • Goal Mode
    • dedicated Kimi Claw

  • Max

    $99/month

    Heavy agent users

    • More credits
    • up to 4 parallel Agent tasks
    • 100 projects
    • 50GB storage
    • 20 scheduled tasks
    • 20 widget tasks

  • Ultra

    $199/month

    Highest-volume users

    • 10x Agent credits
    • up to 4 parallel Agent tasks
    • 100 projects
    • 50GB storage
    • 25 scheduled tasks
    • 25 widget tasks

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.

Kimi
7.9overall
Microsoft Copilot
8.4overall

Kimi leads in 1 category and Microsoft Copilot in 1.

  • Ease of Use

    Microsoft Copilot leads by 0.2
    Kimi
    8.0
    Microsoft Copilot
    8.2

  • Feature Depth

    Kimi
    8.5
    Microsoft Copilot
    Not rated

  • Value for Money

    Kimi leads by 0.2
    Kimi
    8.0
    Microsoft Copilot
    7.8

  • Performance & Speed

    Kimi
    8.0
    Microsoft Copilot
    Not rated

  • Documentation & Support

    Kimi
    7.0
    Microsoft Copilot
    Not rated

  • Microsoft 365 Integration

    Kimi
    Not rated
    Microsoft Copilot
    9.3

  • Enterprise Security

    Kimi
    Not rated
    Microsoft Copilot
    8.8

  • Reasoning & Logic

    Kimi
    Not rated
    Microsoft Copilot
    8.0

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

Kimi

Pros

  • International USD plans start at $19/month and include Kimi Code and Agent Swarm.
  • Broad agent toolset: deep research, slides, documents, spreadsheets, website building and scheduled tasks.
  • A separate pay-per-token API with a 1M-token context window on K3.
  • Rated 4.7 out of 5 from 5.3K ratings on the US App Store.
  • Earlier K2-family models were reported to have downloadable weights, which suits self-hosting teams.

Cons

  • Free-tier limits are not clearly published on the help pages.
  • Plan structure is changing: legacy plan names (Moderato, Allegretto, Allegro, Vivace) coexist with Plus, Pro, Max and Ultra, which can confuse buyers.
  • Credits do not roll over, and one shared pool covers chat, agents and Kimi Code.
  • The site interface and several help pages default to Chinese; I found no confirmed Android or Windows client.

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

Integrations

Kimi

4 integrations
  • Plugins marketplace
  • Kimi Browser Extension
  • Kimi Office Extension
  • Kimi Open Platform API

Microsoft Copilot

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

Company

  • Company
    Kimi
    Moonshot AI
    Microsoft Copilot
    Microsoft
  • Founded
    Kimi
    2023
    Microsoft Copilot
    1975
  • Headquarters
    Kimi
    Beijing, China
    Microsoft Copilot
    Redmond, WA
  • Listing
    Kimi
    Claimed
    Microsoft Copilot
    Claimed

Frequently asked questions

Is Kimi better than Microsoft Copilot?

It depends on your workflow. Kimi is built for Long-form research, generating slide decks and documents, parallel agent tasks, coding assistance with Kimi Code. Microsoft Copilot is built for drafting and summarizing inside Word.

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

Kimi: Chat, research and agent assistant from Moonshot AI, built on its Kimi K3 model. Microsoft Copilot: Microsoft's AI assistant for chat, writing and research across web, apps and Microsoft 365.

Does Kimi or Microsoft Copilot have a free plan?

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

Which is cheaper, Kimi 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.