kitio.aiMicrosoft Copilot vs Lumo
A side-by-side look at pricing plans, free tiers, features, pros and cons, updated for 2026. Microsoft Copilot has the lower starting price: about $10 a month, against $13 for Lumo.
At a glance
Best for
Category
Pricing model
Starting price
Free plan
Made by
Based in
Rating
Key features
- Copilot in Windows and Edge
- Voice conversations
- Copilot Vision
- Image creation
- Office app integration
- Zero-access encrypted history
- No-logs policy
- Web search
- Proton Drive files
- Image generation
| Feature | Microsoft Copilot | Lumo |
|---|---|---|
| Best for | Microsoft's assistant for Windows, Edge and Microsoft 365 users | Proton's encrypted AI assistant that keeps no logs of your chats |
| Category | Chat assistants | Chat assistants |
| Pricing model | Freemium | Freemium |
| Starting price | $9.99/mo | $12.99/mo |
| Free plan | Yes | Yes |
| Made by | Microsoft | Proton |
| Based in | United States | Switzerland |
| Rating | No ratings yet | No ratings yet |
| Key features |
|
|
Pricing compared
Microsoft Copilot has the lower starting price: about $10 a month, against $13 for Lumo.
Free plan
Cheapest paid plan
Top plan
Free trial
4 plans
Free
Free
- Copilot chat on web and apps
- Standard usage limits
Microsoft 365 Personal
$9.99/mo
- 1 person
- Copilot in Word, Excel, PowerPoint
- 1TB cloud storage
Microsoft 365 Family
$12.99/mo
- Up to 6 people
- Copilot for the subscription owner
Microsoft 365 Premium
$19.99/mo
- Highest Copilot usage limits
- Advanced AI features
2 plans
Free
Free
- Limited weekly chats
- Encrypted chat history
- No logs kept
Lumo Plus
$12.99/mo
- Unlimited chats
- Extended chat history
- Larger file uploads
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 Copilot
- Built into Windows and Edge
- Free web access to strong models
- Works inside Office documents
- Office features need a 365 plan
- Consumer and work versions confuse buyers
- Fewer power-user settings
Lumo
- Strong privacy guarantees
- Swiss and EU hosting
- Works with Proton Drive
- Models trail top frontier models
- Fewer integrations
- Image tools are new
Which one should you choose?
Choose Microsoft Copilot if you want:
- Built into Windows and Edge
- Free web access to strong models
- Works inside Office documents
Watch out: office features need a 365 plan.
Choose Lumo if you want:
- Strong privacy guarantees
- Swiss and EU hosting
- Works with Proton Drive
Watch out: models trail top frontier models.
Microsoft Copilot vs Lumo FAQ
What is the difference between Microsoft Copilot and Lumo?
Microsoft Copilot: Microsoft's assistant for Windows, Edge and Microsoft 365 users. Lumo: Proton's encrypted AI assistant that keeps no logs of your chats. Both are chat assistants tools.
Is Microsoft Copilot or Lumo cheaper?
Microsoft Copilot has the lower starting price: about $10 a month, against $13 for Lumo.
Do Microsoft Copilot and Lumo have free plans?
Microsoft Copilot: Yes. Lumo: Yes.
Who makes Microsoft Copilot?
Microsoft Copilot is made by Microsoft, based in United States.
Who makes Lumo?
Lumo is made by Proton, based in Switzerland.
Which should I choose, Microsoft Copilot or Lumo?
Choose Microsoft Copilot if you value built into windows and edge and free web access to strong models. Choose Lumo if you value strong privacy guarantees and swiss and eu hosting.