Microsoft 365 Premium vs ChatGPT Plus
Microsoft 365 Premium is $0.010000000000001563/mo cheaper · Updated 2026-08-31
Microsoft 365 Premium
microsoftMicrosoft 365 Premium replaces standalone Copilot Pro for consumers at $19.99/month or $199.99/year.
Full details →ChatGPT Plus
openaiPlus users can choose GPT-5.6 Terra and Luna; subscription prices and quota budgets were unchanged by the July 30 price cut.
Full details →| Attribute | Microsoft 365 Premium | ChatGPT Plus |
|---|---|---|
| Price | $19.99/mo | $20/mo |
| Tier | pro | pro |
| Context window | 64K tokens | 32K tokens |
| Provider | microsoft | openai |
| Billing | monthly-or-yearly | monthly |
| Audience | consumer | consumer |
| Flagship models | gpt-5.4, o3 | gpt-5.6-terra, gpt-5.6-luna |
| Usage note | Microsoft 365 Premium replaces standalone Copilot Pro for consumers at $19.99/month or $199.99/year. | Plus users can choose GPT-5.6 Terra and Luna; subscription prices and quota budgets were unchanged by the July 30 price cut. |
| Feature count | 6 | 11 |
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
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
Which one should I pick?
Microsoft 365 Premium is $0.010000000000001563/mo cheaper Picking between Microsoft 365 Premium and ChatGPT Plus 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 Premium if you want gpt-5.4 or o3 as your daily driver, or if Copilot in Word/Excel/PowerPoint/Outlook matters to you.
- Pick ChatGPT Plus if you want gpt-5.6-terra or gpt-5.6-luna, or if GPT-5.6 access as rollout reaches the account 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 Premium and ChatGPT Plus? +
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 Microsoft 365 Premium vs ChatGPT Plus? +
Microsoft 365 Premium bundles gpt-5.4, o3. ChatGPT Plus bundles gpt-5.6-terra, gpt-5.6-luna. The model lineup is usually the most important factor — pick the plan whose flagship models match the work you actually do.
Is Microsoft 365 Premium or ChatGPT Plus 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 Microsoft 365 Premium and ChatGPT Plus? +
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.