GitHub Copilot Business vs Microsoft 365 Copilot Business
$19/seat/mo vs $21/seat/mo billed annually: choose by included models and usage limits. API usage is separate.
| Compare | GitHub Copilot Business | Microsoft 365 Copilot Business |
|---|---|---|
| Monthly USD | $19/seat/mo | $21/seat/mo billed annually |
| Included models | Claude Haiku 5.5, Claude Opus 5.5, Claude Fable 5.1, Claude Sonnet 5, Claude Sonnet 5.5, Gemini 3.8 Flash, Gemini 4 Argon, GPT-5.6 Terra, GPT-6 Astra, GPT-6 Luna, GPT-6.1 Sol, Grok 4.6, Grok 4.7, Kimi K3 | Microsoft 365 Copilot |
| Billing | monthly | annual-or-month-to-month |
| Verified · Monthly USD source · Included models source · How we verify → | ||
GitHub Copilot Business is $2/mo cheaper · Updated 2026-10-25
Which one should you pick?
Pick GitHub Copilot Business if you want
- Claude Haiku 5.5 as your main model
- coding agent
- a $2/mo lower bill
Pick Microsoft 365 Copilot Business if you want
- Microsoft 365 Copilot as your main model
- deep research
- office & app integrations
GitHub Copilot Business is $2/mo cheaper. Based on listed plan terms; check usage limits before upgrading.
| GitHub Copilot Business | $19/mo $228 per year at the monthly rate · usage: 1,900 credits/seat, pooled |
|---|---|
| Microsoft 365 Copilot Business | $21/mo $252 per year at the monthly rate · usage: Everyday chat included |
Listed monthly prices · How we verify →
| Attribute | GitHub Copilot Business | Microsoft 365 Copilot Business |
|---|---|---|
| Price | $19/seat/mo | $21/seat/mo billed annually |
| Best for | Organisations on GitHub | Adding Copilot to M365 Business |
| Usage | 1,900 credits/seat, pooled | Everyday chat included |
| Billing | monthly | annual-or-month-to-month |
| Audience | business | business |
| Models | Claude Haiku 5.5, Claude Opus 5.5, Claude Fable 5.1, Claude Sonnet 5, Claude Sonnet 5.5, Gemini 3.8 Flash, Gemini 4 Argon, GPT-5.6 Terra, GPT-6 Astra, GPT-6 Luna, GPT-6.1 Sol, Grok 4.6, Grok 4.7, Kimi K3 | Microsoft 365 Copilot |
| Key perks | Pooled AI credits; IP indemnity; SAML SSO | Add-on only; $18 promo to Dec 2026; Researcher & Analyst |
| Context window | Not fixed per plan | Not fixed per plan |
| Deep research | Not listed | Yes |
| Coding agent | Yes | Not listed |
| Office & app integrations | Not listed | Yes |
| Team admin & SSO | Yes | Yes |
| Verified | Price 2026-10-25 · models 2026-10-25 | Price 2026-10-25 · models 2026-10-25 |
✓ listed in the provider's current plan terms · — not listed (may still be available) · Pricing data: How we verify →
Usage limits in full
- GitHub Copilot Business
- 1,900 base AI credits per granted seat per month; 1,900 total. One AI credit equals $0.01 USD; credit cost varies by model and task. Credits are pooled organization-wide; admins control models, budgets and paid overage. Code completions and next edit suggestions remain unlimited and do not consume credits. Current model list is a verified subset of the official plan matrices, not an exhaustive list; feature and administrator restrictions apply. Fable model data is retained for safety classification by default; any time-limited enterprise ZDR exemption requires approval and model enablement. No annual price or discount is established by these current sources.
- Microsoft 365 Copilot Business
- Add-on only: requires an existing eligible Microsoft 365 Business subscription. $21/user/month with annual commitment ($252/user/year); month-to-month $25.2/user/month. $18.00/user/month first-year annual promotion runs 2026-07-01 through 2026-12-31, excludes trials and cannot be combined with other offers. Subscriptions auto-renew. Everyday chat and Copilot in apps are included; advanced experiences including Cowork, Code, Autopilot and Work IQ APIs are usage-billed beyond license fees. Teams license required for Teams features. No specific API model SKU or numerical usage quota is promised.
Everything each plan lists
Only in GitHub Copilot Business
- +CLI
- +Agent mode use in VS Code, Visual Studio, JetBrains, Eclipse, and Xcode
- +Integrates with MCP servers
- +Pull request reviews in GitHub
- +Assign work to Copilot to research, plan, and write code — with or without a pull request
- +Delegate tasks to third-party coding agents like Claude by Anthropic and OpenAI Codex (Preview)
- +Copilot Spaces
- +User management in github.com
- +Usage metrics
- +IP indemnity
- +SAML SSO authentication
Only in Microsoft 365 Copilot Business
- +Copilot in Microsoft 365 apps
- +work data grounding
- +model choice
- +Researcher and Analyst
- +enterprise data protection
- +management and analytics
- +eligible Microsoft 365 Business subscription required
How to decide
GitHub Copilot Business is $2/mo cheaper. Picking between GitHub Copilot 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. 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 GitHub Copilot Business and Microsoft 365 Copilot Business?
GitHub Copilot Business costs $19/seat/mo and Microsoft 365 Copilot Business costs $21/seat/mo billed annually, a difference of $2/month (about $24/year). Pricing verified 2026-10-25.
Which AI models are included with GitHub Copilot Business vs Microsoft 365 Copilot Business?
GitHub Copilot Business bundles Claude Haiku 5.5, Claude Opus 5.5, Claude Fable 5.1, Claude Sonnet 5, Claude Sonnet 5.5, Gemini 3.8 Flash, Gemini 4 Argon, GPT-5.6 Terra, GPT-6 Astra, GPT-6 Luna, GPT-6.1 Sol, Grok 4.6, Grok 4.7, Kimi K3. Microsoft 365 Copilot Business bundles Microsoft 365 Copilot. The model lineup is usually the most important factor — pick the plan whose flagship models match the work you actually do.
Is GitHub Copilot Business or Microsoft 365 Copilot Business better value for power users?
Microsoft 365 Copilot Business costs $2/month more than GitHub Copilot Business. That premium is worth it if you regularly hit GitHub Copilot Business's usage limits, want access to the Microsoft 365 Copilot model, or value the extra features listed above.
Can I switch between GitHub Copilot Business and Microsoft 365 Copilot Business?
Check each provider's billing terms before switching. Monthly, annual and per-seat commitments can differ; cancellation usually stops renewal rather than refunding the current period.