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Pick two to five tools. Every cell comes from a verified record; anything unverified says so. There is no overall winner — the right choice depends on your task, budget and technical needs.

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Criterion	ChatGPT	Claude	Google Gemini	Microsoft Copilot	Grok
Provider	OpenAI	Anthropic	Google	Microsoft	xAI
What it is for	OpenAI's general-purpose AI assistant for chat, writing, coding, research and file work, built on OpenAI's GPT models.	Anthropic's AI assistant for writing, analysis, coding and research, available on web, desktop and mobile.	Google's AI assistant, bundled with Google One storage and Workspace apps on paid Google AI plans.	Microsoft's AI assistant, free on its own and built into Word, Excel, PowerPoint and Outlook through Microsoft 365 plans.	xAI's chatbot with voice, image and video generation, now sold through The X Subscription bundle with Cursor and X Premium.
Category	AI Chatbots & Assistants	AI Chatbots & Assistants	AI Chatbots & Assistants	AI Chatbots & Assistants	AI Chatbots & Assistants
Latest confirmed model	GPT-6 Sol / GPT-6 Luna (in ChatGPT); GPT-6.1 Sol in Work and Codex Oct 7, 2026	Claude Opus 5.5 Sep 22, 2026	Gemini 4 Argon Oct 13, 2026	—	Grok 4.7 (API, Cursor and Grok Build; consumer apps planned later) Sep 21, 2026
Main capabilities	GPT-6 models in Chat (Depends on plan) GPT-6 Pro reasoning (Depends on plan) Codex coding agent (Depends on plan) Credits for extra usage (Depends on plan) Ads on lower tiers (Limited)	Artifacts and file creation Claude Code (Depends on plan) Research (Depends on plan) Connectors Claude Dashboards (Preview)	Deep Research Gemini 4 Argon (Depends on plan) Image and video generation (Depends on plan) Gemini in Workspace apps (Depends on plan) Agent Mode (Preview)	Copilot in Office apps (Depends on plan) Advanced Copilot chat (Depends on plan) Agentic research and analytics (Depends on plan) Copilot Chat for work	Chat, voice and media generation (Depends on plan) Shared Grok + Cursor usage pool (Depends on plan) Grok Bot (Depends on plan) Team seats
Inputs / outputs	text, image → text	text, image → text	Not documented	Not documented	text, image → text
Context window	1,050,000 tokens (GPT-6.1 Sol)	1,000,000 tokens (Claude Haiku 5.5)	1,048,576 tokens (Gemini 4 Argon)	Not documented	500,000 tokens (Grok 4.7)
Free plan	Yes Limited usage; exact caps not published on the pages checked	Yes Usage aimed at everyday questions; up to 5 projects	Yes Base limits	Yes Limited Copilot usage	Yes Limited daily Grok access; starter Cursor allowance
Cheapest paid plan	Go: $8/mo US price; localised elsewhere	Pro: $20/mo $17/mo billed annually $200 billed up front annually	Google AI Plus: $4.99/mo	Microsoft 365 Personal: $9.99/mo $8.33/mo billed annually $99.99 per year	Plus: $8/mo $7/mo billed annually $80/year
All plans	Free — Free Go — $8/mo US price; localised elsewhere Plus — $20/mo Pro — $100/mo Tiers at $100, $200 and $500 per month Business — $25/mo $20/mo billed annually Per user; 2+ users Enterprise & Edu — Contact provider	Free — Free Pro — $20/mo $17/mo billed annually $200 billed up front annually Max 5x — $100/mo Listed as 'From $100'; monthly billing only Max 20x — Price not separately shown on pricing page Team (Standard seat) — $25/mo $20/mo billed annually Per seat; 2-150 members Team (Premium seat) — $125/mo $100/mo billed annually Per seat Enterprise — $20/seat billed annually plus usage at API rates; 20-seat minimum	Free — Free Google AI Plus — $4.99/mo Google AI Pro — $19.99/mo Google AI Ultra (5x) — $99.99/mo Listed as 'Starting at $99.99' Google AI Ultra (20x) — $199.99/mo Gemini Enterprise Business — $21/mo Per seat Gemini Enterprise Standard/Plus — $30/mo Per seat	Free (Microsoft account) — Free Microsoft 365 Personal — $9.99/mo $8.33/mo billed annually $99.99 per year Microsoft 365 Family — $12.99/mo $10.83/mo billed annually $129.99 per year Microsoft 365 Premium — $19.99/mo $16.66/mo billed annually $199.99 per year; replaced Copilot Pro Microsoft 365 Business Standard with Copilot — $28.20/mo $23.50/mo billed annually Per user Microsoft 365 Business Premium with Copilot — $38.40/mo $32/mo billed annually Per user Microsoft 365 Copilot Business (add-on) — $25.20/mo $18/mo billed annually Per user; $18 annual is a promo for 1 Jul-31 Dec 2026, first year only (normally $21)	Free — Free Plus — $8/mo $7/mo billed annually $80/year Premium — $30/mo $25/mo billed annually $300/year; includes SuperGrok benefits, Cursor Pro equivalent and X Premium+ Super — $100/mo $84/mo billed annually $1,000/year Ultra — $200/mo $167/mo billed annually $2,000/year Team (Premium/Super/Ultra seats) — $30/mo $30, $100 or $200 per seat
API access	Yes · docs (opens in a new tab)	Yes · docs (opens in a new tab)	Yes · docs (opens in a new tab)	No	Yes · docs (opens in a new tab)
Free API quota	None documented	None documented	Free tier exists for some models (e.g. gemini-3.8-flash input and output free of charge); not for gemini-4-argon	None documented	None documented
API pricing	gpt-6-astra input (<=272K): $10 per 1M input tokens gpt-6-astra output (<=272K): $50 per 1M output tokens gpt-6.1-sol input (<=272K): $2 per 1M input tokens gpt-6-luna input / output (<=272K): $0.10 per 1M input tokens ($0.50 output)	claude-opus-5-5 input: $4 per 1M input tokens claude-opus-5-5 output: $20 per 1M output tokens Sonnet 5.5 input: $2 per 1M input tokens Haiku 5.5 input (<=100K prompt): $0.10 per 1M input tokens	gemini-4-argon input (intro price to 30 Nov 2026; $4.00 from 1 Dec): $2 per 1M input tokens gemini-4-argon output (intro price to 30 Nov 2026; $20.00 from 1 Dec): $10 per 1M output tokens gemini-3.8-flash input (to 31 Dec 2026; $1.50 from 1 Jan 2027): $0.75 per 1M input tokens gemini-3.8-flash output (to 31 Dec 2026; $7.50 from 1 Jan 2027): $3.75 per 1M output tokens	—	grok-4.7 input (<200K): $2 per 1M input tokens grok-4.7 output (<200K): $6 per 1M output tokens grok-4.3 input (<200K): $1.25 per 1M input tokens grok-4.3 output (<200K): $2.50 per 1M output tokens
Open-weight / proprietary	Proprietary	Proprietary	Proprietary	Proprietary	Proprietary
Commercial use	See plan terms	See plan terms	See plan terms	See plan terms	See plan terms
Privacy & data	Business and Enterprise workspaces have admin controls; check OpenAI's privacy policy for consumer data-use settings.	Team and Enterprise do not train on your content by default; Enterprise adds custom data retention.	Enterprise editions add VPC-SC and customer-managed keys; review Google's Gemini privacy notice for consumer use.	Business plans run under Microsoft 365 work-account terms; consumer Copilot follows Microsoft's consumer privacy statement.	Review xAI's privacy policy; team plans add central administration.
Platforms & integrations	Web, Desktop app, Mobile apps	Web, Desktop, iOS, Android, Chrome extension, CLI (Claude Code)	Web, Android, iOS, Gmail/Docs/Vids (paid)	Web, Windows, iOS, Android, Microsoft 365 apps	Web, iOS, Android, X
Learning curve	Beginner-friendly	Beginner-friendly	Beginner-friendly	Beginner-friendly	Beginner-friendly
Advantages	Wide range of tiers from free to $500/month Single subscription spans chat and Codex Large, documented model lineup	Generous feature set on the free plan Clear per-seat team pricing Large context window on Opus 5.5 (1M tokens per Anthropic docs)	Strong free tier Storage bundled with paid plans Free API tier for Flash models	Deep Office integration Bundles storage and Office apps Business add-on priced per user	Bundles several products in one price Annual discounts published Large API context windows
Limitations	Model names and rollout change often Lower tiers may show ads Help-centre pages give slightly inconsistent model naming during rollout	Session-based limits can run out during heavy use Opus and Fable access require a paid plan Max plans are monthly billing only	Free plan uses the Flash-Lite model Annual prices not shown on the subscriptions page Some features limited to select countries	Models used per plan are not named on pricing pages Family plan AI features are owner-only No AI features in Microsoft 365 Basic	Plan names changed in October 2026, so older guides are outdated Grok 4.7 not yet in consumer apps per its model card Third-party Cursor models use credits from first use
Last verified	Oct 19, 2026	Oct 19, 2026	Oct 19, 2026	Oct 19, 2026	Oct 19, 2026

How to choose

Start from the rows that matter for your job: a free plan and learning curve for casual use; API access, rates and data terms for building products; context window and modalities for long documents or images. Provider claims are labelled as such; we do not rank.

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