ChatGPT vs Claude vs Gemini vs Copilot: 33 Features Compared (2026)

ChatGPT, Claude, Gemini and Copilot. Four AI tools for your business, and each one costs around $20 per person per month. On paper they promise the same thing. In practice the differences are real, and they decide which one you should pay for.

So I took one feature at a time, 33 in total, and showed it in all four apps on their business plans. Where they do the same thing, I say so and move on. Where one is missing something or does it better, I point it out. At the end there is one table with every feature and every app, and my answer to which one I would keep.

Part 1: what you get with any of the four

Ten things work in all four apps. If this is all you need, any of them will do.

• Privacy. On the business plans your data is not used to train the models. Careful with personal plans: on some of them training is on by default. In ChatGPT, check Settings, Data controls, "Improve the model for everyone".
• Files in, files out. I attached a price list, an email thread and last year's contract and asked for a proposal and a price sheet. ChatGPT wrote both as real Word and Excel files: four sites, €34,488 a year, with the 10% discount applied to office cleaning only, exactly as the emails said.
• Choose the model. Each app has a fast model for simple jobs and a smarter one for hard ones. Copilot even lets you pick Claude or GPT models.
• Chat history, web search with sources. Copilot answered a question about 2026 insurance regulation with five points, each linked to its source, so you can click and check.
• Your company data. In Copilot I tagged a file from SharePoint and asked for trends, with no upload at all.
• Reusable assistants. Custom GPTs (they retire on 11 December, move them to skills or plugins), Claude Projects, Gemini Gems (also being replaced by skills) and Copilot agents.
• Agents for whole jobs. ChatGPT calls it Work, Claude calls it Cowork, Copilot has Cowork built with Anthropic, and Gemini has its own Spark agent.
• Desktop and mobile apps for all four.

Part 2: where they differ

Access to your work data

ChatGPT and Claude use connectors: you sign in once and they can search your email and files. Both connect to Google Workspace and to Microsoft. I asked ChatGPT for my latest Gmail message and my next team meeting in Outlook in one question, and it answered from both systems. Gemini and Copilot already live inside their systems. Copilot is connected to OneDrive, SharePoint, Teams and Outlook from the start, and it sees only what you are allowed to see. For a company that worries about who can open the salary folder, that matters.

Inside Excel, Word and PowerPoint

ChatGPT and Claude install as add-ins; Copilot is built in; Gemini works inside Sheets, Docs and Slides. I opened a budget model and typed "Build a dynamic dashboard based on this model". ChatGPT added a dashboard sheet where every number is a live formula, with charts. By hand that's hours of work.

Email and meetings

Gemini sits in Gmail and Copilot sits in Outlook: they summarise a thread, draft the reply in place, and Copilot sorted a week of my email by priority. Gemini joins Google Meet and can translate live; Copilot joins Teams and gives you the recap, the follow-up tasks and the full transcript. ChatGPT and Claude can read your email through a connector and work with a meeting transcript afterwards, but they don't sit inside the inbox or join the call.

Working on your computer

Here ChatGPT and Claude are ahead. Both open a folder on your computer and work with the files in it: ChatGPT renamed and sorted 44 messy scans in one go. Both use a browser like a person (it checked VAT numbers for all our clients in a public register). Both can move the mouse and type in any program: Claude drew a picture of me in MS Paint. Gemini and Copilot mostly work in the cloud.

Memory

ChatGPT and Claude pick up facts as you work and use them next time. Copilot has memory too. I haven't seen how to manage memory in Gemini.

Work that runs without you

• Scheduled tasks in ChatGPT and Claude. My Claude task checks my email and calendar every morning and sends me what to focus on.
• /goal in ChatGPT and Claude: describe the result and it keeps working, for hours if needed. I used it to edit a video.
• Remote control: I started a task from my phone, it ran on my office PC, and the file was waiting there.
• Dots, ChatGPT's new always-on agents. They watch for things, like a new email from a client, and act on them. They need a Premium seat and aren't available in the EU yet.

Apps, skills and code

ChatGPT and Claude connect to thousands of apps, Copilot to more than a hundred, and Gemini is strongest inside Google's own products. ChatGPT and Claude let you build skills and share them with your team; I use a "humanizer" skill so posts don't sound like AI. Copilot doesn't have skills. For programming, ChatGPT has Codex, Claude has Claude Code and Google has Antigravity.

Part 3: create and extras

• Images. ChatGPT has the best image generation and editing in my tests (it made a flyer for FlowByte from our website). Gemini is my number two with Nano Banana 2. Copilot uses OpenAI's image model. Claude has no image generation built in.
• Video and music. Gemini goes furthest: it generates every frame of a video from a description, and it makes music. Copilot builds simple videos from stock footage.
• Podcasts from your documents. NotebookLM turns your files into two voices discussing them; Copilot does it with Notebooks.
• Deep research. Gemini has Deep Research; Copilot's Researcher went through 64 steps and wrote a long report with sources.
• Voice that takes action. In ChatGPT's advanced voice mode I asked which emails I need to catch up with, and it went into my Gmail and told me.
• Websites. ChatGPT built Euro Business Pulse, a live site with exchange rates and ECB rates, from one prompt. Claude does small pages and apps with Artifacts.
• Only in ChatGPT: ads (you can now advertise your business inside ChatGPT) and a marketplace for your own apps.

Everything on one screen

The Excel version with notes for every app, the price and my verdict is in the free pack above.

What it costs

ChatGPT and Claude are $25 per person per month, or $20 if you pay for the year. Gemini is included in Google Workspace from Business Standard, and the extra AI features cost more. Copilot is an add-on of about $20 on top of your Microsoft 365 licence.

Which one to pick

• Your company runs on Microsoft 365: take Copilot. It is already inside your email, files and meetings, and it respects your permissions.
• Your company runs on Google Workspace: use Gemini. You already pay for it, and it is the strongest for video, music and podcasts.
• You want one tool that does a bit of everything, with the best images, voice and always-on agents: ChatGPT.
• Your work is documents, analysis and long tasks you want to hand over completely: Claude.

A lot of companies end up with two: the one that comes with their office system, plus ChatGPT or Claude for the heavy work. I use all of them. If I had to keep only one, I would keep ChatGPT, because it does almost everything, images included.

Whichever you pick, learn it properly. I have complete guides for ChatGPT and Claude Cowork on the channel. All demo data in the video and in the pack is fictional; plans and prices change often, so check the vendor pages before you buy.