Microsoft has merged its Copilot apps and changed billing: the monthly fee now includes a usage quota, and heavy users can buy extra credits or switch to Auto model mode. Microsoft's own 15-task demo put Copilot at $30 on Auto, versus up to $84 for Claude and $38 for ChatGPT, but that is the vendor's comparison. If your team uses AI tools past the quota, check the bill before assuming the flat fee covers it. Enterprise plans from Claude and ChatGPT charge per seat plus separate usage fees.