Consumer app is free. API is usage-based from ~$0.14/million input tokens (Flash) to ~$0.435/million tokens (Pro). No subscription required for API.

Free plan at copilot.microsoft.com. Copilot Pro $30/month for individuals. Microsoft 365 Copilot for business at $30/user/month (requires Microsoft 365 subscription).

Subject to Chinese data laws. Routing sensitive data through hosted API carries data sovereignty risk for EU and US organisations. Self-hosting open-source models eliminates this. Review carefully before enterprise use.

Copilot has access to your emails, documents, and Teams messages within your tenant. Review permission settings carefully. Enterprise version maintains data within Microsoft 365 environment.

• ✓API pricing 50-90% cheaper than comparable Western models
• ✓Open source models can be self-hosted for full data control
• ✓Reasoning models competitive with OpenAI o1 on complex tasks
• ✓Free consumer app with no subscription

• ✓Deep integration with Word, Excel, Outlook, and Teams with zero workflow change
• ✓Free plan genuinely capable for everyday AI tasks
• ✓Enterprise data stays within Microsoft 365 security boundary
• ✓Teams meeting summary and email summarisation are practical time-savers

• ✕Data sovereignty concerns for EU and US enterprises
• ✕Consumer app has fewer features than ChatGPT Plus
• ✕Smaller English-language community support
• ✕Model update cadence less predictable than commercial providers

• ✕Microsoft 365 Copilot business plan expensive at $30/user/month on top of existing licensing
• ✕Effectiveness depends on quality of organisation's Microsoft 365 data
• ✕Less capable for creative and coding tasks than specialised tools