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ChatGPT Plus vs Microsoft 365 Premium

Microsoft 365 Premium is $0.010000000000001563/mo cheaper · Updated 2026-08-31

ChatGPT Plus

openai
$20/mo

Plus users can choose GPT-5.6 Terra and Luna; subscription prices and quota budgets were unchanged by the July 30 price cut.

Full details →

Microsoft 365 Premium

microsoft
$19.99/mo

Microsoft 365 Premium replaces standalone Copilot Pro for consumers at $19.99/month or $199.99/year.

Full details →
Attribute ChatGPT Plus Microsoft 365 Premium
Price $20/mo $19.99/mo
Tier pro pro
Context window 32K tokens 64K tokens
Provider openai microsoft
Billing monthly monthly-or-yearly
Audience consumer consumer
Flagship models gpt-5.6-terra, gpt-5.6-luna gpt-5.4, o3
Usage note Plus users can choose GPT-5.6 Terra and Luna; subscription prices and quota budgets were unchanged by the July 30 price cut. Microsoft 365 Premium replaces standalone Copilot Pro for consumers at $19.99/month or $199.99/year.
Feature count 11 6

Only in ChatGPT Plus

  • +GPT-5.6 access as rollout reaches the account
  • +GPT-5.6 Thinking access (manual model picker)
  • +advanced reasoning models
  • +voice conversations
  • +image generation
  • +file uploads and analysis
  • +data analysis
  • +custom GPTs
  • +memory
  • +canvas
  • +deep research

Only in Microsoft 365 Premium

  • +Copilot in Word/Excel/PowerPoint/Outlook
  • +priority Copilot access
  • +100 boosts/day image gen
  • +Designer access
  • +Microsoft 365 apps
  • +6 TB cloud storage

Which one should I pick?

Microsoft 365 Premium is $0.010000000000001563/mo cheaper Picking between ChatGPT Plus and Microsoft 365 Premium usually comes down to three things: which models you want access to, how much you'll actually use, and what ecosystem you already live in.

  • Pick ChatGPT Plus if you want gpt-5.6-terra or gpt-5.6-luna as your daily driver, or if GPT-5.6 access as rollout reaches the account matters to you.
  • Pick Microsoft 365 Premium if you want gpt-5.4 or o3, or if Copilot in Word/Excel/PowerPoint/Outlook is closer to your workflow.

Still unsure? The Subscription vs API calculator tells you the break-even usage where pay-as-you-go API access would be cheaper than either subscription.

Frequently asked questions

What is the price difference between ChatGPT Plus and Microsoft 365 Premium? +

Microsoft 365 Premium costs $19.99/mo and ChatGPT Plus costs $20/mo, a difference of $0.010000000000001563/month (about $0.12000000000001876/year). Pricing verified 2026-08-31.

Which AI models are included with ChatGPT Plus vs Microsoft 365 Premium? +

ChatGPT Plus bundles gpt-5.6-terra, gpt-5.6-luna. Microsoft 365 Premium bundles gpt-5.4, o3. The model lineup is usually the most important factor — pick the plan whose flagship models match the work you actually do.

Is ChatGPT Plus or Microsoft 365 Premium better value for power users? +

ChatGPT Plus costs $0.010000000000001563/month more than Microsoft 365 Premium. That premium is worth it if you regularly hit Microsoft 365 Premium's usage limits, want access to the gpt-5.6-terra model, or value the extra features listed above.

Can I switch between ChatGPT Plus and Microsoft 365 Premium? +

Yes. Both plans are monthly subscriptions you can cancel or downgrade at any time. Many users keep one plan as a daily driver and try the other for a single billing cycle to compare in their own workflow.