ChatGPT Business vs Microsoft 365 Copilot Business
Microsoft 365 Copilot Business is $4/mo cheaper · Updated 2026-05-29
ChatGPT Business
openaiStandard ChatGPT seats include ChatGPT and Codex. $25/seat monthly or $20/seat/month when billed annually. Minimum 2 seats.
Full details →Microsoft 365 Copilot Business
microsoftSMB Business SKU up to 300 users. Standard annual-commit price is $21/seat/mo; promo $18/seat/mo through 2026-06-30; month-to-month is $25.20/seat/mo.
Full details →| Attribute | ChatGPT Business | Microsoft 365 Copilot Business |
|---|---|---|
| Price | $25/seat/mo | $21/seat/mo |
| Tier | business | business |
| Context window | 32K tokens | 64K tokens |
| Provider | openai | microsoft |
| Billing | monthly-or-yearly | annual-or-month-to-month |
| Audience | business | business |
| Flagship models | gpt-5.5, gpt-5.4, gpt-5.4-mini | gpt-5.4, o3 |
| Usage note | Standard ChatGPT seats include ChatGPT and Codex. $25/seat monthly or $20/seat/month when billed annually. Minimum 2 seats. | SMB Business SKU up to 300 users. Standard annual-commit price is $21/seat/mo; promo $18/seat/mo through 2026-06-30; month-to-month is $25.20/seat/mo. |
| Feature count | 8 | 6 |
Only in ChatGPT Business
- +shared workspace
- +admin console
- +standard ChatGPT seats include Codex
- +Codex-only usage-based seats available
- +SSO and MFA
- +no training on your data
- +collaborative GPTs
- +apps, projects, company knowledge, deep research
Only in Microsoft 365 Copilot Business
- +Copilot in M365 apps
- +Copilot Chat
- +Microsoft Graph grounding
- +Copilot Studio
- +SSO
- +business data protection
Which one should I pick?
Microsoft 365 Copilot Business is $4/mo cheaper Picking between ChatGPT Business and Microsoft 365 Copilot Business 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 Business if you want gpt-5.5 or gpt-5.4 as your daily driver, or if shared workspace matters to you.
- Pick Microsoft 365 Copilot Business if you want gpt-5.4 or o3, or if Copilot in M365 apps 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 Business and Microsoft 365 Copilot Business? +
Microsoft 365 Copilot Business costs $21/seat/mo and ChatGPT Business costs $25/seat/mo, a difference of $4/month (about $48/year). Pricing verified 2026-05-29.
Which AI models are included with ChatGPT Business vs Microsoft 365 Copilot Business? +
ChatGPT Business bundles gpt-5.5, gpt-5.4, gpt-5.4-mini. Microsoft 365 Copilot Business 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 Business or Microsoft 365 Copilot Business better value for power users? +
ChatGPT Business costs $4/month more than Microsoft 365 Copilot Business. That premium is worth it if you regularly hit Microsoft 365 Copilot Business's usage limits, want access to the gpt-5.5 model, or value the extra features listed above.
Can I switch between ChatGPT Business and Microsoft 365 Copilot Business? +
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.