Microsoft Copilot
Microsoft's AI assistant for chat, writing and research across web, apps and Microsoft 365
Freemium
Otter.ai
Record, transcribe and summarize meetings, with action items and searchable AI chat
Freemium
Verdict
Microsoft Copilot is listed under AI Assistants and Otter.ai under Audio & Speech AI. Both have a free plan or trial. Only Otter.ai is available on Chrome Extension and offers an API.
Best overall
Microsoft Copilot
- Microsoft 365 users
- Office workers
- Students
- Small businesses
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.
Choose Otter.ai if
- You want a tool built for meeting transcription and summaries.
- Permanent free plan with 300 monthly transcription minutes.
- Works through a notetaker bot or bot-free via desktop apps and Chrome extension.
- Best for beginners
- Otter.ai
- Best for business
- Microsoft Copilot
Features
19 features compared.
- ChatMicrosoft CopilotAvailableOtter.aiNot available
- Image creationMicrosoft CopilotAvailableOtter.aiNot available
- VoiceMicrosoft CopilotAvailableOtter.aiNot available
- Microsoft 365 integrationMicrosoft CopilotAvailableOtter.aiNot available
- CoworkMicrosoft CopilotAvailableOtter.aiNot available
- ResearcherMicrosoft CopilotAvailableOtter.aiNot available
- CodeMicrosoft CopilotAvailableOtter.aiNot available
- Notebook and Guided LearningMicrosoft CopilotAvailableOtter.aiNot available
- Work IQMicrosoft CopilotAvailableOtter.aiNot available
- Auto model pickerMicrosoft CopilotAvailableOtter.aiNot available
- Live transcriptionMicrosoft CopilotNot availableOtter.aiAvailable
- Notetaker botMicrosoft CopilotNot availableOtter.aiAvailable
- Bot-free recordingMicrosoft CopilotNot availableOtter.aiAvailable
- AI summaries and action itemsMicrosoft CopilotNot availableOtter.aiAvailable
- Otter AI ChatMicrosoft CopilotNot availableOtter.aiAvailable
- ChannelsMicrosoft CopilotNot availableOtter.aiAvailable
- File importMicrosoft CopilotNot availableOtter.aiAvailable
- CRM syncMicrosoft CopilotNot availableOtter.aiAvailable
- Otter MCP serverMicrosoft CopilotNot availableOtter.aiAvailable
Pricing
Plans as listed by each vendor. Check their sites for current prices.
- Pricing modelMicrosoft CopilotFreemiumOtter.aiFreemium
- Free planMicrosoft CopilotYesOtter.aiYes
- Starting priceMicrosoft Copilot$0Otter.ai$0
- PlansMicrosoft Copilot4 plansOtter.ai4 plans
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
Otter.ai plans
Basic
$0
For those who want to give it a try
- 300 monthly transcription minutes
- 30 minutes per conversation
- 3 lifetime file imports
- Live transcription
- AI Chat
- iOS and Android apps
Pro
Most popular$16.99/user/mo
For individuals and small teams
- 1,200 monthly transcription minutes
- 90 minutes per meeting
- 10 monthly file imports
- Advanced search and export
- Custom vocabulary
- Salesforce and HubSpot and Zapier integrations
Business
$30/user/mo
For medium-sized teams
- Unlimited meetings and recordings
- 4 hours per meeting
- Unlimited file imports
- 3 concurrent meetings
- Custom AI workflows
- Admin activity logs and usage analytics
- Prioritized support
Enterprise
Custom/custom
For large teams and companies
- Everything in Business
- SSO and SCIM and Domain Capture
- Otter API and Webhooks
- Custom CRM and dialer integrations
- HIPAA compliance add-on
- Customer Success Program
Our ratings
Scored out of 10 by the Finder Atlas editorial team. Last reviewed October 2026.
- Microsoft Copilot
- 8.4overall
- Otter.ai
- 8.4overall
Microsoft Copilot leads in 0 categories and Otter.ai in 1, with 1 tied.
Microsoft 365 Integration
- Microsoft Copilot
- 9.3
- Otter.ai
- Not rated
Enterprise Security
- Microsoft Copilot
- 8.8
- Otter.ai
- Not rated
Ease of Use
Otter.ai leads by 0.8- Microsoft Copilot
- 8.2
- Otter.ai
- 9.0
Reasoning & Logic
- Microsoft Copilot
- 8.0
- Otter.ai
- Not rated
Value for Money
Tied- Microsoft Copilot
- 7.8
- Otter.ai
- 7.8
Transcription Accuracy
- Microsoft Copilot
- Not rated
- Otter.ai
- 8.4
Meeting Summaries & Action Items
- Microsoft Copilot
- Not rated
- Otter.ai
- 8.5
Integrations
- Microsoft Copilot
- Not rated
- Otter.ai
- 8.3
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
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
Otter.ai
Pros
- Permanent free plan with 300 monthly transcription minutes
- Works through a notetaker bot or bot-free via desktop apps and Chrome extension
- Summaries, action items and AI Chat across past meetings
- Apps for web, iOS, Android, Mac and Windows, rated 4.8 on the App Store from 86K ratings
- Integrations with Zoom, Teams, Google Meet, Slack and CRMs such as Salesforce and HubSpot
Cons
- Free plan caps conversations at 30 minutes and file imports at 3 lifetime
- Pro caps monthly transcription at 1,200 minutes and meetings at 90 minutes
- Business costs $30 per user per month on monthly billing
- API access, SSO and HIPAA add-on require the Enterprise plan
- Transcription is limited to six listed languages
Platforms
- WebMicrosoft CopilotSupportedOtter.aiSupported
- WindowsMicrosoft CopilotSupportedOtter.aiSupported
- macOSMicrosoft CopilotSupportedOtter.aiSupported
- iOSMicrosoft CopilotSupportedOtter.aiSupported
- AndroidMicrosoft CopilotSupportedOtter.aiSupported
- APIMicrosoft CopilotNot supportedOtter.aiSupported
- Browser ExtensionMicrosoft CopilotNot supportedOtter.aiNot supported
- Chrome ExtensionMicrosoft CopilotNot supportedOtter.aiSupported
Integrations
Microsoft Copilot
9 integrations- Microsoft 365
- Word
- Excel
- PowerPoint
- Outlook
- Teams
- OneNote
- OneDrive
- Microsoft Edge
Otter.ai
13 integrations- Zoom
- Microsoft Teams
- Google Meet
- Google Calendar
- Slack
- Salesforce
- HubSpot
- Zapier
- Dropbox
- Google Drive
- Asana
- ClickUp
- Claude
Company
- CompanyMicrosoft CopilotMicrosoftOtter.aiOtter.ai, Inc.
- FoundedMicrosoft Copilot1975Otter.ai2016
- HeadquartersMicrosoft CopilotRedmond, WAOtter.aiMountain View, CA
- ListingMicrosoft CopilotClaimedOtter.aiClaimed
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Frequently asked questions
Is Microsoft Copilot better than Otter.ai?
It depends on your workflow. Microsoft Copilot is built for drafting and summarizing inside Word. Otter.ai is built for meeting transcription and summaries.
What are the key feature differences between Microsoft Copilot and Otter.ai?
Microsoft Copilot: Microsoft's AI assistant for chat, writing and research across web, apps and Microsoft 365. Otter.ai: Record, transcribe and summarize meetings, with action items and searchable AI chat.
Does Microsoft Copilot or Otter.ai have a free plan?
Yes, both do. Microsoft Copilot is freemium and Otter.ai is freemium, and each has a free plan or trial.
Which is cheaper, Microsoft Copilot or Otter.ai?
Both can be used for free. Paid plans differ in limits and features, so compare the tiers in the pricing table above.