kitio.aiMicrosoft 365 Copilot vs Toyo
A side-by-side look at pricing plans, free tiers, features, pros and cons, updated for 2026. Microsoft 365 Copilot has the lower starting price: about $25 a month, against $29 for Toyo.
At a glance
Best for
Category
Pricing model
Starting price
Free plan
Made by
Based in
Rating
Key features
- Copilot in Word and Excel
- Teams meeting recaps
- Outlook drafting
- Researcher agent
- Copilot Studio
- Executive assistant by message and voice
- Phone calls
- Connectors for Gmail and Calendar
- Slack agent
- Custom agents for companies
- Deep work workflows
| Feature | Microsoft 365 Copilot | Toyo |
|---|---|---|
| Best for | AI assistant inside Word, Excel, Outlook, Teams and PowerPoint | Personal AI agent and custom agents for teams |
| Category | Productivity | Productivity |
| Pricing model | Paid | Paid |
| Starting price | $25.20/mo | $29/mo |
| Free plan | No | No |
| Made by | Microsoft | Toyo |
| Based in | United States | – |
| Rating | No ratings yet | No ratings yet |
| Key features |
|
|
Pricing compared
Microsoft 365 Copilot has the lower starting price: about $25 a month, against $29 for Toyo.
Free plan
Cheapest paid plan
Top plan
Free trial
4 plans
Copilot Business (add-on)
$25.20/mo
- Per user, monthly subscription
- Adds Copilot to a Microsoft 365 plan
- $21/mo if paid yearly
Business Standard + Copilot
$28.20/mo
- Per user, monthly subscription
- Desktop Office apps
- Copilot in Microsoft 365 apps
Business Premium + Copilot
$38.40/mo
- Per user, monthly subscription
- Advanced security
- Copilot in Microsoft 365 apps
Enterprise
Contact sales
- For organizations over 300 users
- Enterprise licensing
2 plans
Solo
$29/mo
- Messages and voice calls
- Voice notes and phone calls
- Personal library
- All connectors
Pro
$79/mo
- Everything in Solo
- White glove setup
- Higher usage limits
- Frontier models
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
Microsoft 365 Copilot
- Works inside familiar apps
- Uses your work data securely
- Strong admin controls
- Adds cost per user
- Quality varies between apps
Toyo
- Works through messages, voice and calls
- Many tool connectors
- White glove setup on Pro
- Credit card required to start
- No free plan
- Company agent pricing needs a conversation
Which one should you choose?
Choose Microsoft 365 Copilot if you want:
- Works inside familiar apps
- Uses your work data securely
- Strong admin controls
Watch out: adds cost per user.
Choose Toyo if you want:
- Works through messages, voice and calls
- Many tool connectors
- White glove setup on Pro
Watch out: credit card required to start.
Microsoft 365 Copilot vs Toyo FAQ
What is the difference between Microsoft 365 Copilot and Toyo?
Microsoft 365 Copilot: AI assistant inside Word, Excel, Outlook, Teams and PowerPoint. Toyo: Personal AI agent and custom agents for teams. Both are productivity tools.
Is Microsoft 365 Copilot or Toyo cheaper?
Microsoft 365 Copilot has the lower starting price: about $25 a month, against $29 for Toyo.
Do Microsoft 365 Copilot and Toyo have free plans?
Microsoft 365 Copilot: No. Toyo: No.
Who makes Microsoft 365 Copilot?
Microsoft 365 Copilot is made by Microsoft, based in United States.
Who makes Toyo?
Toyo is made by Toyo.
Which should I choose, Microsoft 365 Copilot or Toyo?
Choose Microsoft 365 Copilot if you value works inside familiar apps and uses your work data securely. Choose Toyo if you value works through messages, voice and calls and many tool connectors.