Tool profile
Microsoft Copilot
Microsoft Copilot is an AI assistant powered by OpenAI models that is embedded across Microsoft's product ecosystem including Windows, Edge, Bing, and Microsoft 365. It can answer questions, generate text and images, summarize documents, write code, and automate tasks directly inside apps you likely already use. Think of it as Microsoft's branded wrapper around GPT-4-class models, tuned for workplace and general consumer use.
Models and pricing
General Q&A, web search with citations, basic image generation via Designer, casual writing help
Uses GPT-4o with some rate limits. Good enough for everyday consumer tasks and occasional use. No Microsoft 365 app integration.
Heavy personal users who want priority GPT-4o access plus Copilot features inside Word, Excel, PowerPoint, Outlook, and OneNote on a personal Microsoft 365 subscription
Requires a separate personal Microsoft 365 subscription (around $7–$10/month) to unlock the full Office integration. Priority model access during peak hours is the main practical upgrade over free.
Teams and enterprises wanting Copilot deeply embedded in Teams meetings, Outlook, Word, Excel, SharePoint, and connected to internal business data via Microsoft Graph
This is the serious enterprise product. It can summarize Teams calls, draft emails based on your calendar context, and search across your organization's documents. Requires at least a Microsoft 365 Business Standard or E3/E5 plan underneath it, so real total cost is higher.
IT teams and developers building custom AI agents or chatbots on top of Microsoft's infrastructure, connected to internal data sources
Not an end-user product. Aimed at businesses that want to build their own branded Copilot-style assistant. Pricing can scale significantly with usage — verify current rates on Microsoft's site as this area changes frequently.
Developers wanting AI code completion, explanation, and pull request summaries inside VS Code, JetBrains, or GitHub.com
Powered by OpenAI Codex and GPT-4-class models. A separate, distinct product from the main Copilot line despite the shared name. Well-regarded for code generation and is a direct competitor to Cursor and Tabnine.
Which model should you use?
If you are an individual on Microsoft 365 Personal, Copilot Pro at $20/month is the practical upgrade; if you run or work in a business already paying for Microsoft 365, push your IT department toward Microsoft 365 Copilot ($30/user/month) since the Teams and Outlook integration alone tends to justify the cost for heavy email and meeting users.
How we evaluate
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