Comparison · ChatGPT vs Copilot

ChatGPT vs Copilot for business.

Last updated November 13, 2026 · By Chris Tabb, founder · Sources checked November 13, 2026

Both put an AI assistant in front of your team. Microsoft 365 Copilot lives inside Word, Excel, PowerPoint, Outlook, and Teams. ChatGPT Business is its own workspace that connects to the tools you use, Microsoft 365 included. Prices and features below are each vendor’s published US figures, checked November 13, 2026. Appearly works on ChatGPT, so read this as a ChatGPT consultancy’s comparison, and check Microsoft’s page for its side.

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§ 01

Side by side

Published US prices per user per month, as checked on November 13, 2026. Microsoft prices shown are annual subscriptions.
	ChatGPT Business	Microsoft 365 Copilot (business plans)
Price	Standard $25 monthly / $20 annual; Premium $125 / $100	Copilot Business add-on $21 (promo $18 when checked); M365 Business Standard with Copilot $23.50; Business Premium with Copilot $32
Where it works	ChatGPT on web, desktop, and mobile	Inside Word, Excel, PowerPoint, Outlook, Teams, and the Copilot app
Company data	Company Knowledge and connectors: Google Workspace, Slack, GitHub, Microsoft 365, custom MCP	Microsoft 365 work data through Microsoft Graph
Agents	Workspace agents with apps, schedules, Slack and API triggers	Pre-built agents and Copilot Studio agents
Size	Teams of 2 to 200 (Enterprise beyond)	Business plans for up to 300 users (Enterprise plans beyond)
Custom GPTs	Retire Dec 11, 2026; migrate to plugins	Not applicable

§ 02

Who should pick which

Copilot, if your team lives in Word, Excel, Outlook, and Teams all day and you want the assistant inside those apps.
ChatGPT Business, if your tools are mixed (Google Workspace, Slack, GitHub, Microsoft 365), you want one workspace for chat, files, agents, and Codex, or your team already uses ChatGPT.
Both, if different teams need different things. Pilot each with a few people before you buy seats.

Our honest take
Run the same five real tasks in each with three people for two weeks. The answer is usually obvious after that.

§ FAQ

Questions we hear

Is ChatGPT Business cheaper than Microsoft 365 Copilot?

It depends on what you already pay for. ChatGPT Business Standard is $20 per user per month on annual billing. Microsoft lists the Copilot Business add-on at $21 per user per month, paid yearly, on top of a Microsoft 365 plan, with a promotional price shown when we checked.

Can ChatGPT Business work with Microsoft 365?

Yes. OpenAI lists connections to Microsoft 365, alongside Google Workspace, Slack, and GitHub, and Company Knowledge can answer from connected sources a user can already access.

Does Appearly set up Copilot?

No. Appearly is a ChatGPT consultancy. We help you decide and, if you choose ChatGPT, run the rollout. Appearly is not affiliated with OpenAI or Microsoft.

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Sources · checked November 13, 2026

OpenAI figures are OpenAI’s, quoted as published on the date checked. Appearly is not affiliated with OpenAI. ChatGPT is a trademark of OpenAI.