Microsoft Copilot vs DeepSeek
Microsoft Copilot and DeepSeek are both AI Chat & Assistants tools (Chatbots). Below: what each costs, what it does well, its biggest catches, and who should pick which, all from public sources rather than our own testing.
Side by side
| Microsoft Copilot | DeepSeek | |
|---|---|---|
| Category | AI Chat & Q&A · Chatbots | AI Chatbots · General Chatbots |
| Pricing | Free tier: yes. Microsoft 365 Premium $19.99/mo. Microsoft 365 Copilot Business $18/user/mo paid yearly (discounted from $21), $25.20 on monthly billing. (checked Oct 10, 2026) | Free tier: yes (app). API pay-per-token; see official pricing table. (checked Oct 10, 2026) |
| Pros |
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|
| Catches |
|
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| Best for | Microsoft 365 households and businesses. | Cheap reasoning and coding help on non-sensitive work, or local use. |
| Skip it if | You mainly need free chat. You don't have to pay. | You handle client, medical, legal or financial data. |
Which should you pick?
Pick Microsoft Copilot if…
you fit this: microsoft 365 households and businesses.
But not if: you mainly need free chat. You don't have to pay.
Watch out for: The free version lacks deep Office-app AI and agents.
Pick DeepSeek if…
you fit this: cheap reasoning and coding help on non-sensitive work, or local use.
But not if: you handle client, medical, legal or financial data.
Watch out for: Its privacy policy says data is processed and stored in China.
More options
Sources
Microsoft Copilot
- https://www.microsoft.com/en-us/microsoft-365/blog/2025/10/01/meet-microsoft-365-premium-your-ai-and-productivity-powerhouse/
- https://www.microsoft.com/en-us/copilot/pricing/business
- https://support.microsoft.com/en-US/office/introducing-microsoft-365-premium
- https://www.askwoody.com/newsletter/free-edition-who-gets-what-with-copilot/
DeepSeek
Pros, catches and prices are compiled from public sources (official pricing and docs pages, published reviews, user reports), not hands-on testing. Prices change often, so check the vendor page before you buy.