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ChatGPT vs Microsoft Copilot

ChatGPT: OpenAI's AI assistant, which creates and edits images inside a conversation with ChatGPT Images. Microsoft Copilot: Microsoft's AI assistant, with image generation and photo editing built into chat and the Copilot app.

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Updated October 16, 2026

ChatGPT and Microsoft Copilot details as published on chatgpt.com and copilot.microsoft.com (and their official app store listings), checked October 16, 2026. Luren AI shown for reference.
	ChatGPT	Microsoft Copilot	Luren AI
Platforms	Web, iOS, Android	Web, iOS, Android, Desktop	iPhone and Android app
Mobile app	Yes	Yes	Yes, iPhone and Android
Free plan	Yes: the Free plan includes limited image creation	Copilot can generate images for free; Microsoft 365 plans give higher image-creation usage than free.	Free to download and try
Pricing	Free, then Go $8, Plus $20 and Pro from $100 a month, with more image creation on each tier (as listed on its pricing page)	Free, or Copilot with a Microsoft 365 plan: Personal $9.99, Family $12.99, Premium $19.99 and Pro $99.99 a month in the US (as listed on its pricing page).	Pay per creation with coins, or a weekly or yearly Pro subscription
What you need to start	Nothing: describe an image, or upload a photo and describe the change	None: describe the image you want, or upload a photo and say what to change.	One photo, or just a prompt; no training
AI models	OpenAI's own image generator, ChatGPT Images 2.5; no third-party models	Microsoft does not name the image model on its support pages; the Copilot app lets you choose between leading AI models for chat and work tasks.	Nano Banana Pro, Nano Banana 2.1, GPT Image 2.5, Seedream, Qwen-Image 3.0, Grok Imagine; Veo 3.1, Kling, Seedance
Images	Text-to-image in a chat, in any aspect ratio, with text and transparent backgrounds on request, templates, and images with thinking on Plus and Pro	Images from a text prompt in chat; the app's Create section adds templates, styles such as Photorealistic or Anime, colors and three sizes	300+ styles, your own prompt with a model picker, and an AI agent
Video	Not offered	The Create section makes videos from a prompt or a PowerPoint deck, with an AI script and narration over footage and music from Microsoft's content library	Image to video, text to video, UGC videos and 40+ AI dances
Editing	Upload a photo and describe the changes, or highlight an area with the selection tool; resize and remove on mobile	Upload a photo and describe the change, such as removing people in the background or changing the setting	Restore, upscale, change clothes, backgrounds, pose and expression

Choose ChatGPT if…

Quick images inside a conversation
Refining an image by describing changes
Posters, logos and graphics with text

ChatGPT is OpenAI's AI assistant, and ChatGPT Images, now at version 2.5, creates new pictures or edits a photo you upload right inside a conversation. You can select an area to change, choose any aspect ratio, start from templates for posters or logos, or sketch an idea on mobile, on the web, iOS and Android.

Strengths

Images and edits happen in the same chat as writing and research
Follows instructions to add text, details or a transparent background
Selective edits: highlight an area and describe the change
Available on the web, iOS and Android, with image creation on the free tier

Limits to know

Image creation on the Free plan is limited
Generating an image can take a few minutes, depending on complexity
Only OpenAI's own image model, with no choice of other providers
Video generation is not listed among its plan features
Its help center notes that selection highlights are not always precise

ChatGPT alternatives →

Choose Microsoft Copilot if…

Quick images for documents, slides and posts
Microsoft 365 subscribers who want image creation inside the apps they already use
Simple edits to a photo by describing the change

Microsoft Copilot is Microsoft's AI assistant, on the web, in apps for iPhone, Android and the desktop, and inside Word, Excel, PowerPoint and Outlook. You can generate an image by describing it in a chat or edit a photo you upload, and with a Microsoft 365 subscription the Copilot app's Create section adds templates, styles, sizes and brand colors. Image creation is available for free, and Microsoft 365 plans raise the usage limits.

Strengths

Image generation is available for free in the same assistant you use for chat and work
Edit an uploaded photo with plain-language requests and keep refining it in the same conversation
Built into Word, Excel, PowerPoint, Outlook and Teams, with brand kits for work accounts
Images made in the Copilot app carry Content Credentials (C2PA) that mark them as AI-generated

Limits to know

Copilot is built mainly as a work and productivity assistant, and image creation is one feature among many
The Create section of the Copilot app requires an eligible Microsoft 365 subscription
Without a Copilot license, Microsoft says quality and performance depend on service availability
Videos from the Create section use footage from Microsoft's content library rather than generated video

Microsoft Copilot alternatives →

Key differences

Microsoft Copilot makes video (The Create section makes videos from a prompt or a PowerPoint deck, with an AI script and narration over footage and music from Microsoft's content library); ChatGPT does not list video features.
Free plans: ChatGPT: Yes: the Free plan includes limited image creation. Microsoft Copilot: Copilot can generate images for free; Microsoft 365 plans give higher image-creation usage than free.

A third option

Both kinds of model, in one phone app

Luren AI puts Nano Banana Pro, GPT Image 2.5, Seedream, Veo 3.1 and Kling side by side on iPhone and Android, with 300+ ready-made styles, UGC ads, AI dances and an AI agent that makes the picture for you. Start from one photo, no training.

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FAQ

ChatGPT vs Microsoft Copilot: questions

Is ChatGPT better than Microsoft Copilot?

It depends on the job. ChatGPT suits quick images inside a conversation; refining an image by describing changes; posters, logos and graphics with text. Microsoft Copilot suits quick images for documents, slides and posts; microsoft 365 subscribers who want image creation inside the apps they already use; simple edits to a photo by describing the change.

Is ChatGPT free?

Yes: the Free plan includes limited image creation.

Is Microsoft Copilot free?

Copilot can generate images for free; Microsoft 365 plans give higher image-creation usage than free.

Which is better for video, ChatGPT or Microsoft Copilot?

ChatGPT: no video features listed. Microsoft Copilot: The Create section makes videos from a prompt or a PowerPoint deck, with an AI script and narration over footage and music from Microsoft's content library.

Is ChatGPT image generation free?

Yes, with limits. OpenAI's pricing page lists limited image creation on the Free plan, more on Go and Plus, and unlimited, faster image creation on Pro, and its help center says ChatGPT Images is available on all tiers.

Is Copilot image generation free?

Yes, Copilot can generate images for free. Microsoft's plans page lists higher usage than free for AI image creation in Microsoft 365 Personal and Family, and extensive usage in Microsoft 365 Premium. Microsoft says that without a Copilot license, quality and performance depend on service availability.

Is there an alternative to ChatGPT and Microsoft Copilot on my phone?

Luren AI is an iPhone and Android app with image models like Nano Banana Pro, GPT Image 2.5 and Seedream, video models like Veo 3.1 and Kling, 300+ ready-made styles and an AI agent. It is free to download and try.

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Sources

ChatGPT and Microsoft Copilot are trademarks of their owners. Luren AI is not affiliated with either. Details are as each company publishes them on its own site and store listings on the date above; plans and prices change, so check their sites before you buy.