Head-to-head · verified September 25, 2026
ChatGPT vs Copilot: price comparison
ChatGPT is cheaper to start: ChatGPT Go costs $8/mo against $19.99/mo for Microsoft 365 Premium. At the standard tier it's ChatGPT Plus ($20/mo) against Microsoft 365 Premium ($19.99/mo).
Plans tier by tier
| ChatGPT | Microsoft Copilot | |
|---|---|---|
| Free | ChatGPT Free Free | Copilot Free Free |
| Entry (under $15) | ChatGPT Go $8/mo | — |
| Standard (~$20) | ChatGPT Plus $20/mo | Microsoft 365 Premium $19.99/mo |
| Premium ($90+) | ChatGPT Pro ($100) $100/mo ChatGPT Pro ($200) $200/mo Closed to new sign-ups | — |
Key numbers
| ChatGPT | Copilot | |
|---|---|---|
| Cheapest paid plan | ChatGPT Go $8/mo | Microsoft 365 Premium $19.99/mo |
| Most expensive plan | ChatGPT Pro ($100) $100/mo | Microsoft 365 Premium $19.99/mo |
| Plans on sale | 5 | 2 |
| Annual discount | Not listed | Yes |
| Cheapest API model | GPT-6 Luna $0.10 / $0.50 | No public API |
| Priciest API model | GPT-5.5 pro $30 / $180 | No public API |
| Both standard plans | $39.99/mo together ($480/yr) | |
Pick ChatGPT if…
First-time AI buyers, everyday questions and voice-first users. Start free, move to Go when upload or image limits bite, and pay $20 when you want GPT-6 or Deep Research.
- Best-known voice mode and mobile apps
- Strong image generation built in
- GPT-6 models now available from the $20 Plus tier
The safe default. Go at $8 is the value pick, Plus at $20 is the full product, and Pro only makes sense if you hit Plus limits every day.
ChatGPT plans in detail →Pick Copilot if…
Freelancers, small businesses and households that spend hours a week in Word, Excel and Outlook.
- AI where your documents already live
- M365 Premium bundles Office, storage and AI for $19.99
- Annual plan at $199.99 is shared with up to 6 people (Office + storage)
Buy the ecosystem, not the chatbot. If Office is your day, it earns its price; otherwise look elsewhere.
Microsoft Copilot plans in detail →Recent changes
- ChatGPT GPT-6 family launched
GPT-6 Astra ($10 / $50), Sol ($2 / $10) and Luna ($0.10 / $0.50) on the API; GPT-6 models added to ChatGPT Plus and Pro. GPT-6 Pro: 50 messages/week on Pro $100, 200 on Pro $200.
- ChatGPT ChatGPT Pro $200 closed to new sign-ups
Existing subscribers keep renewing; the $100 Pro tier remains open.
- ChatGPT GPT-5.6 Sol API promotion
$5 / $30 → $4 / $20 until Nov 21, 2026.
- Copilot Copilot Pro retired
Support ended. Premium Copilot now only via Microsoft 365 Premium ($19.99/month).
- ChatGPT GPT-5.6 Terra and Luna price cuts
Terra $2.50 / $15 → $2 / $12. Luna $1 / $6 → $0.20 / $1.20.
ChatGPT vs Copilot: questions
Is ChatGPT cheaper than Copilot?
To start, yes for ChatGPT: its cheapest paid plan is ChatGPT Go at $8/mo, versus Microsoft 365 Premium at $19.99/mo.
Do ChatGPT and Copilot both have a free plan?
Yes. ChatGPT Free: unlimited everyday text chat (abuse safeguards apply), capped uploads, image generation and voice. Copilot Free: copilot in windows, edge and on the web.
Should I choose ChatGPT or Copilot?
Choose ChatGPT if you are: first-time AI buyers, everyday questions and voice-first users. Start free, move to Go when upload or image limits bite, and pay $20 when you want GPT-6 or Deep Research. Choose Copilot if you are: freelancers, small businesses and households that spend hours a week in Word, Excel and Outlook.
Sources
Checked against the official pages below on September 25, 2026. Prices are USD before local tax. See how we verify prices and the change log.