Head-to-head · verified September 25, 2026
Copilot vs MultipleChat: price comparison
Copilot is cheaper to start: Microsoft 365 Premium costs $19.99/mo against $20/mo for MultipleChat Pro. At the standard tier it's Microsoft 365 Premium ($19.99/mo) against MultipleChat Pro ($20/mo).
Plans tier by tier
| Microsoft Copilot | MultipleChat | |
|---|---|---|
| Free | Copilot Free Free | MultipleChat Free Free |
| Entry (under $15) | — | — |
| Standard (~$20) | Microsoft 365 Premium $19.99/mo | MultipleChat Pro $20/mo MultipleChat Pro for Teams $25/mo |
| Premium ($90+) | — | MultipleChat Smart $90/mo MultipleChat Smart for Teams $95/mo |
Key numbers
| Copilot | MultipleChat | |
|---|---|---|
| Cheapest paid plan | Microsoft 365 Premium $19.99/mo | MultipleChat Pro $20/mo |
| Most expensive plan | Microsoft 365 Premium $19.99/mo | MultipleChat Smart for Teams $95/mo |
| Plans on sale | 2 | 5 |
| Annual discount | Yes | Not listed |
| Cheapest API model | No public API | No public API |
| Priciest API model | No public API | No public API |
| Both standard plans | $39.99/mo together ($480/yr) | |
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 →Pick MultipleChat if…
People who use more than one AI model and want to compare or combine their answers without paying for several subscriptions.
- One $20 plan covers models from several providers
- Compare Mode shows answers side by side
- Document, presentation, spreadsheet and image studios included in Pro
Worth testing if you already pay for two or more AI plans. If one native plan does everything you need, stay with it.
MultipleChat plans in detail →Recent changes
- Copilot Copilot Pro retired
Support ended. Premium Copilot now only via Microsoft 365 Premium ($19.99/month).
Copilot vs MultipleChat: questions
Is Copilot cheaper than MultipleChat?
To start, yes for Copilot: its cheapest paid plan is Microsoft 365 Premium at $19.99/mo, versus MultipleChat Pro at $20/mo.
Do Copilot and MultipleChat both have a free plan?
Yes. Copilot Free: copilot in windows, edge and on the web. MultipleChat Free: starter workspace, basic model testing.
Should I choose Copilot or MultipleChat?
Choose Copilot if you are: freelancers, small businesses and households that spend hours a week in Word, Excel and Outlook. Choose MultipleChat if you are: people who use more than one AI model and want to compare or combine their answers without paying for several subscriptions.
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.