Google AI Pro
$19.99/mo
Limits 4x standard usage limits; 1M-token context; 1,000 Flow credits; higher Jules limits; entry Antigravity rate limits; $10/mo Google Cloud credits; 5 TB storage.Source: gemini.google · checked 2026-10-17
Gemini vs Microsoft Copilot: pricing and usage limits (Oct 2026)
Gemini starts at $4.99/mo, Microsoft Copilot at $9.99/mo. Both have a free plan. Every plan from both vendors, the limits each one actually publishes, and what changed recently, with a source on every line.
The short answer
Verdict from the data
- Cheaper to start
- Gemini. Google AI Plus is $4.99/mo; the cheapest Microsoft Copilot plan, Microsoft 365 Personal, is $9.99/mo ($5 more).
- Free plan
- Both have one. What each includes is quoted under Free plans below.
- Top of the ladder
- Google AI Ultra (20x) at $199.99/mo vs Microsoft 365 Premium at $19.99/mo.
- Paying yearly
- Microsoft Copilot takes up to 17% off (Microsoft 365 Personal); Gemini shows no yearly discount on the plans we track.
- Hard numbers
- Neither vendor publishes exact allowances, so the limits below are quoted, not counted.
- Latest move
- Gemini, 19 May 2026: Google AI Ultra cut from $249.99 to $199.99; new $99.99 Ultra (5x Pro) tier.
Pick Gemini if you want the lowest monthly bill. Beyond price and free access, the deciding factor is which models and features you need; we track the money, not the model quality.
Head to head
| Fact | Gemini | Microsoft Copilot |
|---|---|---|
| Free plan | Free tier | Free tier |
| Cheapest plan | Google AI Plus · $4.99/mo | Microsoft 365 Personal · $9.99/mo |
| Top plan | Google AI Ultra (20x) · $199.99/mo | Microsoft 365 Premium · $19.99/mo |
| Plans tracked | 4 | 4 |
| Yearly discount | None shown | up to 17% |
| Allowance periods | Monthly | Not stated |
| Latest change | price cutnew tier | None logged |
| Last checked |
$9.99/moMicrosoft 365 Personal · cheapest plan
Try Microsoft Copilot Official site · copilot.microsoft.comClosest price match: Google AI Pro vs Microsoft 365 Premium
Microsoft 365 Premium
$19.99/mo
Annual: $199.99/yr
Limits 'Extensive usage'; AI agents (research reports, data analysis); advanced Copilot features.Source: microsoft.com · checked 2026-10-16
Every plan side by side
| Tool | Plan | Price | Limits as stated & source |
|---|---|---|---|
| Gemini | Google AI Plus | $4.99/mo | 2x standard (Free) usage limits; 128k context; access to the Flash model (the subscriptions page lists the Pro model and Gemini 4 Argon only for AI Pro and Ultra); 200 Google Flow credits; 400 GB storage. Source: gemini.google · checked 2026-10-17 |
| Gemini | Google AI Pro | $19.99/mo | 4x standard usage limits; 1M-token context; 1,000 Flow credits; higher Jules limits; entry Antigravity rate limits; $10/mo Google Cloud credits; 5 TB storage. Source: gemini.google · checked 2026-10-17 |
| Gemini | Google AI Ultra (5x) | $99.99/mo | 5x AI Pro usage limits; 10,000 Flow credits; higher Antigravity limits; YouTube Premium; from 20 TB storage. Source: gemini.google · checked 2026-10-17 |
| Gemini | Google AI Ultra (20x) | $199.99/mo | 20x AI Pro usage limits; 25,000 Flow credits; highest Antigravity limits. Source: gemini.google · checked 2026-10-17 |
| Microsoft Copilot | Microsoft 365 Personal | $9.99/mo | 1 person; 1 TB; Copilot in Word, Excel, PowerPoint, Outlook, OneNote with 'higher usage than free' (not quantified). Source: microsoft.com · checked 2026-10-16 |
| Microsoft Copilot | Microsoft 365 Family | $12.99/mo | 1-6 people (AI for subscription owner only); up to 6 TB; same Copilot usage as Personal. Source: microsoft.com · checked 2026-10-16 |
| Microsoft Copilot | Microsoft 365 Premium | $19.99/mo | 'Extensive usage'; AI agents (research reports, data analysis); advanced Copilot features. Source: microsoft.com · checked 2026-10-16 |
| Microsoft Copilot | Microsoft 365 Copilot Business (add-on) | $18/mo billed yearly | Business add-on to existing Microsoft 365 plans. Source: microsoft.com · checked 2026-10-16 |
Free plans
| Tool | Free? | What you get for $0 & source |
|---|---|---|
| Gemini | Free tier | Free $0 with a Google Account: 'standard limits' (compute-based; refresh every 5 hours until a weekly limit); 32k-token context window; limited Nano Banana Pro; 15 GB storage. Source: support.google.com · checked 2026-10-17 |
| Microsoft Copilot | Free tier | Microsoft Copilot app is free; paid Microsoft 365 plans give 'higher usage than free' (Personal/Family) or 'extensive usage' (Premium). Free usage limits not published on this page. Source: microsoft.com · checked 2026-10-16 |
Recent price and limit changes
-
price cutnew tierGoogle AI Ultra cut from $249.99 to $199.99; new $99.99 Ultra (5x Pro) tier
Announced at Google I/O 2026. The top Ultra tier keeps 20x AI Pro limits at the lower price.
Questions people ask
Which is cheaper, Gemini or Microsoft Copilot?
Gemini is cheaper to start: Google AI Plus costs $4.99/mo, against $9.99/mo for Microsoft 365 Personal. At the top end, Google AI Ultra (20x) is $199.99/mo and Microsoft 365 Premium is $19.99/mo.
Is Gemini or Microsoft Copilot free?
Gemini: Yes. Free $0 with a Google Account: 'standard limits' (compute-based; refresh every 5 hours until a weekly limit); 32k-token context window; limited Nano Banana Pro; 15 GB storage. Microsoft Copilot: Yes. Microsoft Copilot app is free; paid Microsoft 365 plans give 'higher usage than free' (Personal/Family) or 'extensive usage' (Premium). Free usage limits not published on this page.
How do the usage limits compare at the closest price?
Google AI Pro ($19.99/mo): 4x standard usage limits; 1M-token context; 1,000 Flow credits; higher Jules limits; entry Antigravity rate limits; $10/mo Google Cloud credits; 5 TB storage. Microsoft 365 Premium ($19.99/mo): 'Extensive usage'; AI agents (research reports, data analysis); advanced Copilot features.
Is it cheaper to pay yearly?
Gemini: no yearly discount on the plans we track. Microsoft Copilot: up to 17% off when billed yearly (Microsoft 365 Personal: $8.33/mo instead of $9.99).
When did Gemini and Microsoft Copilot last change their pricing?
19 May 2026, Gemini: Google AI Ultra cut from $249.99 to $199.99; new $99.99 Ultra (5x Pro) tier.
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