Head-to-head · verified September 25, 2026
Gemini vs Copilot: price comparison
Gemini is cheaper to start: Google AI Plus costs $4.99/mo against $19.99/mo for Microsoft 365 Premium. At the standard tier it's Google AI Pro ($19.99/mo) against Microsoft 365 Premium ($19.99/mo).
Plans tier by tier
| Gemini | Microsoft Copilot | |
|---|---|---|
| Free | Gemini Free Free | Copilot Free Free |
| Entry (under $15) | Google AI Plus $4.99/mo | — |
| Standard (~$20) | Google AI Pro $19.99/mo | Microsoft 365 Premium $19.99/mo |
| Premium ($90+) | Google AI Ultra $99.99/mo Google AI Ultra (top tier) $199.99/mo | — |
Key numbers
| Gemini | Copilot | |
|---|---|---|
| Cheapest paid plan | Google AI Plus $4.99/mo | Microsoft 365 Premium $19.99/mo |
| Most expensive plan | Google AI Ultra (top tier) $199.99/mo | Microsoft 365 Premium $19.99/mo |
| Plans on sale | 5 | 2 |
| Annual discount | Not listed | Yes |
| Cheapest API model | Gemini 3.1 Flash-Lite $0.25 / $1.50 | No public API |
| Priciest API model | Gemini 3.1 Pro $2 / $12 | No public API |
| Both standard plans | $39.98/mo together ($480/yr) | |
Pick Gemini if…
People already paying for Google One storage or working in Google Workspace.
- AI Plus at $4.99 is the cheapest paid entry among the majors
- AI Pro includes 5 TB of Google One storage
- Deep Gmail, Docs and Drive integration
Strongest bundle in AI. If you were going to pay for storage anyway, AI Plus or AI Pro is close to a free upgrade.
Gemini 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
- Gemini Gemini 3.8 Flash launched
$0.75 / $3.75 until Dec 31, 2026, then $1.50 / $7.50. Available in the Gemini app on AI Pro and Ultra.
- Copilot Copilot Pro retired
Support ended. Premium Copilot now only via Microsoft 365 Premium ($19.99/month).
- Gemini Gemini 3.6 Flash becomes the free default
The free Gemini app moved to 3.6 Flash.
- Gemini Google AI Plus price cut
$7.99 → $4.99 per month; storage 200 GB → 400 GB.
- Gemini Google AI Pro storage increase
2 TB → 5 TB of Google One storage at the same $19.99.
Gemini vs Copilot: questions
Is Gemini cheaper than Copilot?
To start, yes for Gemini: its cheapest paid plan is Google AI Plus at $4.99/mo, versus Microsoft 365 Premium at $19.99/mo.
Do Gemini and Copilot both have a free plan?
Yes. Gemini Free: 15 gb google storage, gemini in the app and on the web. Copilot Free: copilot in windows, edge and on the web.
Should I choose Gemini or Copilot?
Choose Gemini if you are: people already paying for Google One storage or working in Google Workspace. 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.