Meta AI vs Microsoft Copilot
Price, platforms and features side by side. The table says where each price was read and when.
Meta AI
Meta's free AI assistant across its apps, the web and AI glasses
Microsoft Copilot
Microsoft's AI assistant for chat, images and Microsoft 365 apps
Where they differ
- Meta AI starts at $7.99 per month (Meta One Core). Microsoft Copilot starts at $9.99 per month, or $99.99 per year (Microsoft 365 Personal).
- Only Microsoft Copilot lists Windows and macOS apps.
- Microsoft Copilot also covers AI agents.
At a glance
| Meta AI | Microsoft Copilot | |
|---|---|---|
| Pricing | Free plan | Free plan |
| Starts at | $7.99 per month (Meta One Core) | $9.99 per month, or $99.99 per year (Microsoft 365 Personal) |
| Free plan | Meta AI is free for everyone. Meta One plans add more monthly AI usage for features such as image and video generation; Meta does not publish the size of the free allowance. | A limited free version of Copilot, subject to available capacity and usage limits. Signing in adds chat history, more image creation, longer conversations and longer voice use. |
| Free trial | None listed | One-month free trial of Microsoft 365 Personal, Family and Premium; terms vary by offer and region. |
| Web | ||
| macOS | ||
| Windows | ||
| iOS | ||
| Android | ||
| Made by | Meta | Microsoft |
| Price read from | meta.com | microsoft.com |
| Checked | Oct 5, 2026 | Oct 5, 2026 |
Who each one suits
Meta AI
- People who already use WhatsApp, Instagram, Messenger or Facebook
- Everyday questions and image creation without a subscription
- Owners of Meta's AI glasses, which use the app as their companion
Microsoft Copilot
- People who already work in Word, Excel, PowerPoint and Outlook
- Windows 11 users: the Copilot app comes installed on new PCs
- Households that want Office apps and cloud storage in the same plan
Worth knowing
Meta AI
- Meta One is bought inside Meta's mobile apps; the plans page says to subscribe using your mobile app.
- Meta says plans, benefits, pricing and availability may vary by region, app and account.
- Certain Meta AI features are only available in select countries and languages, according to the app listings.
- The size of the free allowance is not published; Meta says only that paid plans include more monthly AI usage.
Microsoft Copilot
- The free version is subject to available capacity and limits, and the pricing page does not give the numbers.
- Researcher and Analyst are not available on Microsoft 365 Personal or Family; they need Premium at $19.99 a month or Pro.
- On Microsoft 365 Family, AI features are available only to the subscription owner and cannot be shared with other members.
- According to Wikipedia, Microsoft said in August 2026 it would merge the consumer and Microsoft 365 Copilot apps and remove Mico, Deep Research and group chats.
Key features
Meta AI
- Chat by text or voice
- Voice conversations are supported in 13 languages, and live AI answers questions about what your camera sees in real time.
- Image creation and editing
- Creates images from a prompt, with presets based on trending styles, and edits photos when you sketch on them or describe the change you want.
- Research reports
- Searches across sources and returns a structured, detailed research report on a topic in minutes.
- Tasks and briefings
- Takes on ongoing jobs such as daily briefings and reminders, keeping up with email and calendar, shopping lists and workout plans.
- File and photo analysis
- Upload documents, PDFs or spreadsheets for summaries, comparisons or analysis, or take a photo for help. Several files can be sent together.
- Incognito Chat
- Starts a private, temporary conversation with Meta AI that only you can see.
Microsoft Copilot
- Chat with web-grounded answers
- Helps with writing, brainstorming and summarizing in a chat, and gives real-time answers based on web search.
- Voice and Vision
- Spoken conversations, plus visual help from your screen or camera. Usage is standard on Personal and Family, higher on Premium and highest on Pro.
- Image generation
- Creates images inside Copilot. The allowance rises from standard usage on Personal and Family to extensive use on Premium and Pro.
- Researcher and Analyst
- Researcher finds and synthesizes information, and Analyst works through raw data. Both are unavailable on Personal and Family and included with Premium and Pro.
- Copilot in Microsoft 365 apps
- Paid plans add Copilot to the Word, Excel, PowerPoint and Outlook desktop apps to draft, edit and summarize documents and email.
- Cowork and model choice
- Cowork takes on a multi-step project and returns finished files, and you can switch between OpenAI and Anthropic models. Microsoft notes some capabilities need specific licenses.
Plans
Meta AI
Free$0
Meta AI in the app, at meta.ai and inside WhatsApp, Messenger, Instagram and Facebook.
Meta One Core$7.99
per month
More AI usage for generating and editing images, creating videos and voice effects, bundled with Instagram Plus, WhatsApp Plus and Facebook Plus.
Meta One Premium$19.99
per month
Everything in Core with expanded AI usage and more video creation.
Microsoft Copilot
Free$0
Chat, web-grounded answers, image creation and voice, subject to available capacity and usage limits.
Microsoft 365 Personal$9.99
per month, or $99.99 per year
For 1 person: higher Copilot usage than free, Copilot in the Word, Excel, PowerPoint and Outlook desktop apps, and 1 TB of cloud storage.
Microsoft 365 Family$12.99
per month, or $129.99 per year
Everything in Personal for 1 to 6 people, with 1 TB of storage each. Copilot AI features are for the subscription owner only.
Microsoft 365 Premium$19.99
per month, or $199.99 per year
Extensive Copilot usage, the Researcher and Analyst agents, and limited usage of agentic AI.
Microsoft 365 Pro$99.99
per month, monthly billing only
Everything in Premium with the highest usage limits for chat, agentic AI, voice and vision.
Ways to pay less
Meta AI
No public discounts listed.
Microsoft Copilot
- Annual discount
Save up to 17% with yearly billing
Microsoft's pricing page lists Personal at $99.99, Family at $129.99 and Premium at $199.99 per year, a saving of up to 17% against paying monthly. Pro is monthly only.
- Education
Student offers on Microsoft 365
Microsoft says eligible college students may qualify for discounted Microsoft 365 subscriptions, and some get free access through their school. Offers vary by institution and region.
- Other savings
Microsoft Workplace Discount Program
Microsoft offers savings on select Microsoft 365 subscriptions through eligible employers, using a valid work email address.
