Microsoft Copilot vs ChatGPT: current plan pricing
Public subscription plans verified against official vendor pricing. Feature verdicts and capability claims are under source review.
Criteria and disclosure: We compare current public plan names, prices, currencies, billing cadence, and billing units. Outbound vendor links may be affiliate links, but commission does not alter the records or ordering. Current scope: This page compares public subscription prices only. API usage pricing, plan limits, and product verdicts are intentionally excluded until their source records are complete.
Microsoft Copilot plans
Copilot Free
Free consumer AI chat. Microsoft does not publish an exact daily message allowance.
$0
Microsoft 365 Personal
One person, Microsoft 365 apps with Copilot, and 1 TB storage.
$9.99/month or $99.99/year
Microsoft 365 Family
Up to six people, but AI benefits are for the subscription owner only.
$12.99/month or $129.99/year
Microsoft 365 Premium
Up to six people with the highest individual Copilot usage level.
$19.99/month or $199.99/year
Microsoft 365 Copilot Business
Copilot add-on for an eligible Microsoft 365 Business plan. The $18 annual rate applies to the first year through September 30, 2026; regular annual rate is $21.
$25.20/user/month or $18/user/month annual promo
Microsoft 365 Copilot Enterprise add-on
Enterprise Copilot add-on for a qualifying Microsoft 365 subscription.
$31.50/user/month or $30/user/month paid yearly
Microsoft 365 Business Standard with Copilot
Microsoft 365 Business Standard with Copilot included, for up to 300 users.
$28.20/user/month or $23.50/user/month annual
Microsoft 365 Business Premium with Copilot
Business Premium security and management with Copilot included, for up to 300 users.
$38.40/user/month or $32/user/month annual
ChatGPT plans
Free
Free tier.
$0
Go
$8 per month.
$8/mo
Plus
$20 per month.
$20/mo
Pro 5x
$100 per month with 5x the usage allowance of Plus.
$100/mo
Pro 20x
$200 per month with 20x the usage allowance of Plus.
$200/mo
Business
$25 per user with monthly billing or $20 per user per month with annual billing. Two users minimum.
$25/user/mo ($20/user/mo annual)
Enterprise
Pricing is not publicly listed.
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