kitio.aiCopilot in Excel vs Zoho Sheet
A side-by-side look at pricing plans, free tiers, features, pros and cons, updated for 2026. Zoho Sheet is completely free, while Copilot in Excel is paid.
At a glance
Best for
Category
Pricing model
Starting price
Free plan
Made by
Based in
Rating
Key features
- Natural-language formulas
- Agent mode
- COPILOT cell function
- Python in Excel
- Charts and PivotTables
- Zia data Q&A
- AI formula and macro generation
- Automatic data cleaning
- Real-time collaboration
- Zoho app data connections
| Feature | Copilot in Excel | Zoho Sheet |
|---|---|---|
| Best for | Microsoft's AI assistant and agent mode built into Excel | Free collaborative spreadsheets with the Zia AI data assistant |
| Category | Data & analytics | Data & analytics |
| Pricing model | Paid | Free |
| Starting price | $9.99/mo | Free |
| Free plan | No | Yes, fully free |
| Made by | Microsoft | Zoho Corporation |
| Based in | United States | India |
| Rating | No ratings yet | No ratings yet |
| Key features |
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Pricing compared
Zoho Sheet is completely free, while Copilot in Excel is paid.
Free plan
Cheapest paid plan
Top plan
Free trial
4 plans
Microsoft 365 Personal
$9.99/mo
- 1 person
- Copilot in Excel and Office apps
- 1TB cloud storage
Microsoft 365 Family
$12.99/mo
- Up to 6 people
- Copilot for the subscription owner
Business Standard + Copilot
$28.20/mo
- Per user, monthly subscription
- Desktop Office apps
- Copilot Chat and Work IQ
Business Premium + Copilot
$38.40/mo
- Per user, monthly subscription
- Advanced security
- Copilot in Microsoft 365 apps
Prices in USD, checked Oct 28, 2026 or later. Plans change often, so confirm on each tool's site before you buy.
Pros and cons
Copilot in Excel
- Built into the spreadsheet most people use
- Agent mode handles multi-step edits
- Enterprise data protections
- Needs a Microsoft 365 subscription
- Usage limits on consumer plans
- Works best with data in tables
Zoho Sheet
- Free to use
- Ask questions about data in plain English
- Works offline in desktop and mobile apps
- Fewer advanced features than Excel
- Best integrations are with Zoho apps
- Business use is often via Zoho Workplace
Which one should you choose?
Choose Copilot in Excel if you want:
- Built into the spreadsheet most people use
- Agent mode handles multi-step edits
- Enterprise data protections
Watch out: needs a microsoft 365 subscription.
Choose Zoho Sheet if you want:
- Free to use
- Ask questions about data in plain English
- Works offline in desktop and mobile apps
Watch out: fewer advanced features than excel.
Copilot in Excel vs Zoho Sheet FAQ
What is the difference between Copilot in Excel and Zoho Sheet?
Copilot in Excel: Microsoft's AI assistant and agent mode built into Excel. Zoho Sheet: Free collaborative spreadsheets with the Zia AI data assistant. Both are data & analytics tools.
Is Copilot in Excel or Zoho Sheet cheaper?
Zoho Sheet is completely free, while Copilot in Excel is paid.
Do Copilot in Excel and Zoho Sheet have free plans?
Copilot in Excel: No. Zoho Sheet: Yes, fully free.
Who makes Copilot in Excel?
Copilot in Excel is made by Microsoft, based in United States.
Who makes Zoho Sheet?
Zoho Sheet is made by Zoho Corporation, based in India.
Which should I choose, Copilot in Excel or Zoho Sheet?
Choose Copilot in Excel if you value built into the spreadsheet most people use and agent mode handles multi-step edits. Choose Zoho Sheet if you value free to use and ask questions about data in plain english.