| Integration | Embedded directly in Microsoft 365 apps (Word, Excel, Outlook, Teams, PowerPoint) | Standalone web/app interface; limited integration with third-party apps |
| Data Access | Connects to your emails, calendar, files, Teams chats via Microsoft Graph | Only knows what you manually type or upload; no access to business data |
| Security & Compliance | Enterprise-grade security with Microsoft 365 compliance (GDPR, ISO 27001, etc.) | Limited; depends on the platform and version (Pro, Enterprise) |
| Contextual Awareness | Uses work context (recent meetings, emails, documents) to tailor responses | No knowledge of your past interactions or work-related context unless manually provided |
| Collaboration Features | Real-time collaboration in Teams, Word, Excel, and Microsoft Loop | No native collaboration; one-to-one conversation interface |
| Document Generation | Drafts personalized business documents, proposals, meeting recaps using company data | Writes from generic prompts, lacking company context |
| Excel Capabilities | Understands and interprets real-time spreadsheet data, formulas, trends | Can generate Excel formulas or interpret data if input manually |
| Meeting Integration | Summarizes Teams meetings, identifies key points and action items | Cannot access or summarize meetings unless you paste transcripts |
| Email Automation | Writes context-aware replies, drafts and summarizes email threads | Can draft emails but requires manual input and lacks message history awareness |
| Customization & Extensibility | Supports plugins, custom workflows via Power Platform and Copilot Studio | Limited plugin support (mainly for browsing, code, and APIs in ChatGPT Plus) |
| Learning Curve | Low – works within familiar Microsoft tools | Requires prompting skills; some learning curve to get optimal outputs |
| Pricing | Available as an add-on to Microsoft 365 subscription (Copilot for Microsoft 365) | Free basic access; Pro features available via OpenAI subscription |
| Best For | Businesses looking to boost productivity, streamline operations, and protect sensitive data | Individuals, creators, and general users needing quick answers or creative help |