Microsoft 365 Copilot Business vs ChatGPT Business
Microsoft 365 Copilot Business is $4/mo cheaper · Updated 2026-08-31
Microsoft 365 Copilot Business
microsoftSMB Business SKU for 1–300 users. Standard annual-commit price is $21/seat/month; the standalone $18/seat/month promotion is extended through 2026-12-31; month-to-month is $25.20/seat/month.
Full details →ChatGPT Business
openaiStandard ChatGPT seats include ChatGPT and Codex. $25/seat monthly or $20/seat/month when billed annually. Minimum 2 seats.
Full details →| Attribute | Microsoft 365 Copilot Business | ChatGPT Business |
|---|---|---|
| Price | $21/seat/mo | $25/seat/mo |
| Tier | business | business |
| Context window | 64K tokens | 32K tokens |
| Provider | microsoft | openai |
| Billing | annual-or-month-to-month | monthly-or-yearly |
| Audience | business | business |
| Flagship models | gpt-5.4, o3 | gpt-5.6, gpt-5.6-sol, gpt-5.4 |
| Usage note | SMB Business SKU for 1–300 users. Standard annual-commit price is $21/seat/month; the standalone $18/seat/month promotion is extended through 2026-12-31; month-to-month is $25.20/seat/month. | Standard ChatGPT seats include ChatGPT and Codex. $25/seat monthly or $20/seat/month when billed annually. Minimum 2 seats. |
| Feature count | 6 | 8 |
Only in Microsoft 365 Copilot Business
- +Copilot in M365 apps
- +Copilot Chat
- +Microsoft Graph grounding
- +Copilot Studio
- +SSO
- +business data protection
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
Which one should I pick?
Microsoft 365 Copilot Business is $4/mo cheaper Picking between Microsoft 365 Copilot Business and ChatGPT 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 Microsoft 365 Copilot Business if you want gpt-5.4 or o3 as your daily driver, or if Copilot in M365 apps matters to you.
- Pick ChatGPT Business if you want gpt-5.6 or gpt-5.6-sol, or if shared workspace 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 Microsoft 365 Copilot Business and ChatGPT 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 2026-08-31.
Which AI models are included with Microsoft 365 Copilot Business vs ChatGPT Business? +
Microsoft 365 Copilot Business bundles gpt-5.4, o3. ChatGPT Business bundles gpt-5.6, gpt-5.6-sol, gpt-5.4. The model lineup is usually the most important factor — pick the plan whose flagship models match the work you actually do.
Is Microsoft 365 Copilot Business or ChatGPT 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-5.6 model, or value the extra features listed above.
Can I switch between Microsoft 365 Copilot Business and ChatGPT 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.