Microsoft 365 Copilot vs Gemini vs ChatGPT vs Claude for work
One live, sourced comparison of the four big workplace AI plans: price per seat, seat minimums, usage limits, features and data terms. Every value links to the vendor page it came from. Last checked 2026-10-18.
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| Feature | Microsoft 365 Copilot Business (add-on) | Microsoft 365 Business Standard / Premium with Copilot (bundles) | Microsoft 365 Copilot (Enterprise) | Microsoft 365 Copilot Chat | Microsoft Copilot Studio | Google Workspace with Gemini (Business Starter / Standard / Plus) | ChatGPT Business | ChatGPT Enterprise | Claude Team | Claude Enterprise |
|---|---|---|---|---|---|---|---|---|---|---|
| Price (annual billing) | $21.00 list; shown as $18.00 promotional, per user/month, paid yearly [source] | Standard + Copilot $23.50; Premium + Copilot $32.00 per user/month, paid yearly [source] | $30.00 per user/month, paid yearly [source] | No additional cost with an eligible Microsoft 365 subscription; agents billed on a metered basis [source] | Pre-purchase plan (prepaid Copilot Credit Commit Units, save up to 20%) or pay-as-you-go; per-credit price not shown on the page we checked [source] | Starter $7, Standard $14, Plus $22 per user/month as displayed with the Annual option selected (20% off first 3 months promo Nov 1, 2026 to Feb 1, 2027) [source] | Standard seat $20, Premium seat $100 per user/month, billed annually [source] | Contact sales (no public price) [source] | Standard seat $20, Premium seat $100 per seat/month, billed annually [source] | $20 per seat/month billed annually, 20-seat minimum, plus usage at API rates [source] |
| Price (monthly billing) | $25.20 per user/month (monthly subscription) [source] | Standard + Copilot $28.20; Premium + Copilot $38.40 per user/month (monthly subscription) [source] | $31.50 per user/month paid monthly (annual commitment) [source] | No additional cost (eligible plans) [source] | Pay-as-you-go, usage-based [source] | Unknown — not verified | Standard seat $25, Premium seat $125 per user/month [source] | Annual plans only [source] | Standard seat $25, Premium seat $125 per seat/month [source] | Annual billing only [source] |
| Seats / limits | Unknown — not verified | Business plans: identity management for up to 300 users [source] | Unknown — not verified | Unknown — not verified | Unknown — not verified | Business plans: maximum 300 users; Enterprise has no min/max [source] | 2 paid seats minimum; for teams of 2-200 [source] | Unknown — not verified | Teams of 2 to 150 [source] | 20 seats [source] |
| Requirements | A qualifying Microsoft 365 business or enterprise plan [source] | Includes the Microsoft 365 suite (email, Office apps, Teams) [source] | A qualifying Microsoft 365 enterprise plan [source] | Microsoft Entra account with an eligible Microsoft 365 subscription [source] | An Azure subscription is required to use agents [source] | Gemini is included in Workspace plans (no separate add-on on this page) [source] | Standalone (no other suite required) [source] | Sales-led [source] | Standalone [source] | Self-serve or sales-assisted [source] |
| Usage limits | Unknown — not verified | Unknown — not verified | Unknown — not verified | File uploads: limits apply (no figure published on page) [source] | Consumes Copilot Credits [source] | Higher-tier plans get expanded access to Gemini models and features; 'AI Expanded Access' add-on exists [source] | Standard has included limits incl. a 5-hour limit; Premium has 5x usage and no 5-hour limit; workspace credits extend usage [source] | Unknown — not verified | Rolling 5-hour session limits plus weekly limits; Standard seats get more than Pro, Premium 5x Standard [source] | Usage billed at API rates; admins set user and org spend limits [source] |
| Meetings | Copilot in Teams [source] | Copilot in Teams [source] | Copilot in Teams; Facilitator agent for meetings [source] | Unknown — not verified | Unknown — not verified | Gemini in Meet: summarize, translate, take notes (higher tiers) [source] | Unknown — not verified | Unknown — not verified | Unknown — not verified | Unknown — not verified |
| Documents | Copilot in Word and PowerPoint [source] | Copilot in Word and PowerPoint [source] | Copilot in Word, PowerPoint; Copilot Pages and Notebooks [source] | Available in select productivity apps; Copilot Pages [source] | Unknown — not verified | Gemini in Docs (Standard and up) [source] | ChatGPT Work, Space pages; Word/PowerPoint extensions (per plan table) [source] | Unknown — not verified | Claude Docs, Slides, Design; create/edit files with code execution [source] | All Team features [source] |
| Spreadsheets | Copilot in Excel [source] | Copilot in Excel [source] | Copilot in Excel; Analyst agent [source] | Unknown — not verified | Unknown — not verified | Gemini in Sheets (Standard and up) [source] | Data analysis; Excel and Google Sheets extensions [source] | Unknown — not verified | Claude Dashboards (beta); code execution for analysis [source] | All Team features [source] |
| Copilot in Outlook [source] | Copilot in Outlook [source] | Prioritize inbox, summarize threads in Outlook [source] | Copilot in Outlook included [source] | Unknown — not verified | Gemini in Gmail (all Business plans) [source] | Unknown — not verified | Unknown — not verified | Claude for Microsoft Outlook [source] | Claude for Microsoft Outlook [source] | |
| Agents | Pre-built Researcher, Analyst and Facilitator agents [source] | Pre-built Microsoft agents [source] | Researcher, Analyst, Agent Store, custom agents via Copilot Studio [source] | Custom agents on a metered (pay-per-use) basis [source] | Autonomous agents and agents for external channels (websites, apps, social) [source] | Workspace Studio: automate work with AI agents [source] | Workspace agents; ChatGPT Work; Codex; Dots on Premium seats [source] | Unknown — not verified | Claude Code and Claude Cowork; hand off and schedule tasks [source] | All Team features [source] |
| Connectors / grounding | Work IQ grounding on Microsoft 365 data plus Copilot connectors [source] | Work IQ on Microsoft 365 data [source] | 100+ connectors for AI search across line-of-business data [source] | Web-grounded; work-data grounding requires a Copilot license [source] | Work IQ grounding available to agents [source] | Gemini in Drive to find and analyze files [source] | Google Workspace, Slack, GitHub, Microsoft 365 and more [source] | Unknown — not verified | Connectors, enterprise search, Claude for Microsoft 365 [source] | All Team features [source] |
| Context window | Unknown — not verified | Unknown — not verified | Unknown — not verified | Unknown — not verified | Unknown — not verified | Unknown — not verified | Unknown — not verified | Unknown — not verified | Up to 1M tokens, varies by model [source] | Up to 1M tokens, varies by model [source] |
| Data & training terms | Data not used to train foundation models (Microsoft enterprise page) [source] | Data not used to train foundation models [source] | Encrypted, tenant-isolated, not used to train foundation models [source] | Enterprise-grade privacy and security [source] | Unknown — not verified | Unknown — not verified | No training on your business data by default [source] | Business data not used for training (OpenAI business page) [source] | No model training on your content by default [source] | No model training by default [source] |
| Admin & compliance | Adoption/usage analytics; inherits Microsoft 365 security and compliance [source] | Premium bundle adds Intune, Defender, Purview, Entra ID [source] | SharePoint Advanced Management, Copilot Analytics, EU Data Boundary, ISO/IEC 27018, GDPR [source] | IT controls, enterprise data protection, agent management [source] | Unknown — not verified | Security and management controls; Vault, DLP, data regions on higher tiers [source] | SAML SSO, MFA, centralized billing, usage analytics, spend controls [source] | Enterprise SCIM, role-based access controls, data residency (contact sales) [source] | SSO, domain verification, central billing, usage analytics, connector controls [source] | SCIM, audit logs, Compliance API, custom data retention, RBAC, HIPAA-ready offering [source] |