iGPT vs Microsoft 365 Copilot

iGPT

The interesting part is not the chat box but the plumbing under it — deduplicating quoted email text and attributing speakers across thread formats is fiddly work most 'chat with your inbox' tools skip. Selling that same layer as a token-billed API is unusual and genuinely useful if you are building on top. The unknown is the vendor itself: no company name, no address, no country.

Pros

• +Rebuilds email threads with quoted-text deduplication and participant attribution
• +Combines private context with live web data in a single cited answer
• +Developer API priced per token with no setup fee or commitment
• +States that customer email, documents and chat history are not used for model training

Cons

• −No legal entity, address or country disclosed anywhere on the site
• −Team carries a three-seat minimum, so the practical entry is $90/month
• −Token-billed API makes costs hard to forecast in advance

Microsoft 365 Copilot

For a company that lives in Outlook, Teams and SharePoint there is no competing assistant with the same reach into its own data, and the free Copilot Chat tier means every tenant can try the web-grounded version for nothing. The paid add-on is worth it for the people who draft, summarise and search across the tenant all day; it is wasted on seats that mostly read email, and the Business edition's $18 headline is a first-year promotion against a $21 list price.

Pros

• +Grounds answers in the user's own mail, files, meetings and chats with existing permissions respected
• +Free Copilot Chat with web grounding ships with eligible plans, so evaluation costs nothing
• +Business edition and bundles bring the price well under the $30 enterprise add-on for smaller companies
• +Enterprise data protection, EU data boundary and admin usage reports come as standard

Cons

• −Requires a qualifying Microsoft 365 licence on top, so the true cost is add-on plus base seat
• −Yearly commitment on the discounted prices; month-to-month is 20 to 40% dearer
• −Cowork and Code agents are usage-billed credits beyond the licence, and the credit rates are not on the pricing page
• −Product naming keeps shifting — the app is now called Microsoft Copilot, the licence Microsoft 365 Copilot — which confuses procurement and training

Is iGPT cheaper than Microsoft 365 Copilot?

They charge in different units, so there is no like-for-like answer: iGPT starts at $20/mo, Microsoft 365 Copilot at $18/seat/mo. Entry price is the lowest paid plan as we last verified it.

Does iGPT or Microsoft 365 Copilot have a free tier?

iGPT has a free tier; Microsoft 365 Copilot has paid plans only.

Which has a public API, iGPT or Microsoft 365 Copilot?

Both ship a public API, so either can be built on; the fact table above shows the platforms each one runs on.