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Microsoft Copilot vs ChatGPT: current plan pricing

Public subscription plans with field-scoped official pricing reviews. Feature verdicts and capability claims are under source review.

By whatsthebestai editorialPricing reviewed (Partial review) 2026-10-26Article baseline evidence date: 2026-09-21

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 Copilot tier; the paid individual plans publish higher Copilot usage than free.

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 extensive Copilot usage; AI benefits are for the subscription owner.

$19.99/month or $199.99/year

Microsoft 365 Pro

Monthly billing only. Includes Microsoft 365 Premium with the highest individual Copilot usage tier.

$99.99/month

Microsoft 365 Copilot Business

Copilot add-on for existing Microsoft 365 customers with an eligible Business plan: $25.20/user/month paid monthly. A first-year promotion offers $18/user/month paid yearly from July 1-December 31, 2026; annual commitment required; not available on trials and cannot be combined with another offer. The page lists the original annual-billing rate as $21/user/month.

$25.20/user/month paid monthly, or promotional $18/user/month paid yearly; annual invoice total not published

Microsoft 365 Copilot Enterprise add-on

Requires a qualifying Microsoft 365 subscription. Both payment options require an annual commitment.

$31.50/user/month, paid monthly, or $30/user/month, paid yearly; annual commitment in both cases

Microsoft 365 Business Standard with Copilot

Microsoft 365 Business Standard with Copilot included, for up to 300 users.

$28.20/user/month paid monthly, or $23.50/user/month paid yearly; annual invoice total not published

Microsoft 365 Business Premium with Copilot

Business Premium security and management with Copilot included, for up to 300 users.

$38.40/user/month paid monthly, or $32/user/month paid yearly; annual invoice total not published

Last pricing check 2026-10-26; Partial review. Field-scoped official pricing/billing review; unconfirmed fields and older evidence remain explicit. Not blanket price certification.

Full pricing details

Official sources (4)

Official source: Microsoft Copilot: Microsoft 365 Copilot individual pricing Official source: Microsoft Copilot: Pricing Official source: Microsoft Copilot: Microsoft 365 Copilot enterprise Official source: Microsoft Copilot: Copilot Studio

ChatGPT plans

Free

Free text chats with GPT-6 Luna, subject to abuse guardrails; uploads, image creation, voice, deep research, memory and Codex access are limited.

More messages with tools, uploads, image creation and voice chats than Free, plus longer memory. This plan may include ads.

$8/mo

Plus

Advanced reasoning, expanded messages, uploads and deep research; projects, scheduled tasks, custom GPTs and expanded Codex access. Limits apply.

$20/mo

Pro 100

$100/month. Pro models, Codex and deep research; no Ultrafast. Usage allowances vary by model.

$100/mo

Pro 200

$200/month. New subscriptions have reopened. More included usage than Pro 100, with a lower allowance than previously offered; no Ultrafast. Eligible existing subscribers keep the previous allowance through October 29, 2026 while subscribed.

$200/mo

Pro 500

Highest included usage among the three Pro plans; includes Ultrafast. Usage allowances vary by model.

$500/month

Business Standard

$25 per user with monthly billing or $20 per user per month with annual billing. Business workspaces require at least two seats.

$25/user/mo ($20/user/mo annual)

Business Premium

$125 per user with monthly billing or $100 per user per month with annual billing. Premium includes five times more usage than Standard; Business workspaces require at least two seats.

$125/user/mo ($100/user/mo annual)

Enterprise

Pricing is not publicly listed.

Contact sales

Last pricing check 2026-10-26; Partial review. Field-scoped official pricing/billing review; unconfirmed fields and older evidence remain explicit. Not blanket price certification.

Full pricing details

Official sources (18)