What is Microsoft Copilot, and is it worth using at work?
Microsoft Copilot is Microsoft's AI assistant: free on the web and phone, and built into Word, Excel, PowerPoint and Outlook with a Microsoft 365 plan. It is worth it if your work already lives in Office files. In India, Microsoft 365 Personal with Copilot is Rs 689 a month and Premium, with higher limits, Rs 1,999. With a work account Copilot Chat is free, and the Copilot Business add-on is Rs 1,495.73 a user a month paid yearly until 31 December 2026. Ethan Mollick finds it fine for office documents but behind on agents, and ChatGPT now also runs inside Word.
A Wharton professor's regular guide to the assistants: ChatGPT or Claude for real work, Copilot fine for office documents but behind on agents, and why he does not yet suggest Gemini as anyone's main system.
OpenAI's dated log of changes: GPT-6 Sol for Plus and GPT-6 Luna for Free and Go (7 October 2026), ChatGPT for Word on every plan (17 September 2026), the India Go launch at Rs 399 including GST and the end of its free year on 21 January 2026.
A hands-on roundup updated 14 October 2026 that names the best general chatbot, the best for writing and coding, and the best for Google and for Microsoft users, with each one's free and paid tiers.
Microsoft 365 with Copilot in rupees: Personal Rs 689 a month or Rs 6,899 a year, Family Rs 819, Premium Rs 1,999 a month with higher Copilot limits, Pro Rs 9,999; Copilot features go to the subscription owner only.
Business plans in rupees: Microsoft 365 Business Standard with Copilot Rs 1,955 a user a month paid yearly, and the Copilot Business add-on at Rs 1,495.73 (down from Rs 1,745) until 31 December 2026; Copilot Chat is free with a work account.