ChatGPT vs Microsoft Copilot
Microsoft Copilot comes out ahead of ChatGPT on 4 of the 6 things that decide this, going by what each company publishes and what independent review sites report. The one that matters for you may be one the leader loses.
The verdict
Microsoft Copilot takes it, 4–1 on rounds.
On the published figures and the independent review sites, Microsoft Copilot takes 4 of 6 rounds. Treat that as a starting point and check the current figures on both pages, because prices and plans move.
Choose ChatGPT if…
- • You want ChatGPT's edge on what it costs to start
Choose Microsoft Copilot if…
- • You want Microsoft Copilot's edge on what customers say on trustpilot and what the standard paid plan costs
Round by round
- Round 1What customers say on TrustpilotMicrosoft Copilot winsChatGPT5/10
1.3 out of 5
TrustScore from 1,225 reviews on Trustpilot
- 1.3 out of 5, against 1.6 out of 5
Source: trustpilot.com ↗
Microsoft Copilot wins this round on independent review-site data, not on its own claims.
- Round 2Free image generationTieMicrosoft Copilot7/10
Not stated
Microsoft's pages imply but do not plainly state image creation on the free plan
- web grounding and image generation on the free tier
Source: toolchase.com ↗
Nothing to separate them here.
- Round 3What it costs to startChatGPT winsChatGPT8/10
Go $8/mo
Go / Plus / Pro, billed monthly (Individual tab); Business tab for seats
Source: chatgpt.com ↗
Microsoft Copilot5/10M365 Personal $9.99/mo
Microsoft 365 Personal / Premium / Pro, billed monthly (Monthly toggle); Microsoft 365 Copilot Business add-on for seats (paid yearly)
- M365 Personal $9.99/mo, against Go $8/mo
Source: microsoft.com ↗
ChatGPT wins this round on what the published sources say.
- Round 4What the standard paid plan costsMicrosoft Copilot winsChatGPT5/10
Plus $20/mo
Go / Plus / Pro, billed monthly (Individual tab); Business tab for seats
- Plus $20/mo, against M365 Premium $19.99/mo
Source: chatgpt.com ↗
Microsoft Copilot8/10M365 Premium $19.99/mo
Microsoft 365 Personal / Premium / Pro, billed monthly (Monthly toggle); Microsoft 365 Copilot Business add-on for seats (paid yearly)
Source: microsoft.com ↗
Microsoft Copilot wins this round on what the published sources say.
- Round 5What the top plan costsMicrosoft Copilot winsChatGPT5/10
Pro from $100/mo
Go / Plus / Pro, billed monthly (Individual tab); Business tab for seats
- Pro from $100/mo, against M365 Pro $99.99/mo
Source: chatgpt.com ↗
Microsoft Copilot8/10M365 Pro $99.99/mo
Microsoft 365 Personal / Premium / Pro, billed monthly (Monthly toggle); Microsoft 365 Copilot Business add-on for seats (paid yearly)
Source: microsoft.com ↗
Microsoft Copilot wins this round on what the published sources say.
- Round 6What a business seat costsMicrosoft Copilot winsChatGPT5/10
Business $20/user/mo (annual)
Go / Plus / Pro, billed monthly (Individual tab); Business tab for seats
- Business $20/user/mo (annual), against Copilot Business $18/user/mo (yearly)
Source: chatgpt.com ↗
Microsoft Copilot8/10Copilot Business $18/user/mo (yearly)
Microsoft 365 Personal / Premium / Pro, billed monthly (Monthly toggle); Microsoft 365 Copilot Business add-on for seats (paid yearly)
Source: microsoft.com ↗
Microsoft Copilot wins this round on what the published sources say.
Side by side
- ChatGPT Pro, per month
- Arena text leaderboard score of gpt-5.6-sol-xhigh, the best OpenAI model, leaderboard dated 2 October 2026
- web grounding and image generation on the free tier
- 1484, against 1505
- 1.3 out of 5, against 1.5 out of 5
- $8, against $4.99
- 1484, against 1525
- M365 Personal $9.99/mo, against Go $8/mo
- M365 Personal $9.99/mo, against AI Plus $4.99/mo
- 28 reviews, against 35 reviews
- 472 reviews, against 826 reviews