
Gemini
Google's AI: chats, researches, and makes images and presentations.
What sets it apart: Comes ready with your Google account; works inside Gmail, Docs and Drive.
For: Anyone who uses Gmail and Google Drive, students.
Microsoft Copilot: a limited free tier; full use is paid. The 2 options below are free to start or open source; for each one, what you gain and what you lose is written from its official sources.
Output quality is not compared here. The differences come from each tool's own pages: setup, hardware, license, free limits, commercial use. To see which one suits you, try both on the same task. How tools are selected
| Microsoft Copilotpaid | Gemini | LM Studio | |
|---|---|---|---|
| Access | Free tier | Free tier | Free tier |
| Where it runs | In the browser / app (cloud) | In the browser / app (cloud) | On your own computer |
| Free limit | Copilot chat is free; chat time and image generation are more limited than on paid Microsoft 365 plans | Free with a Google account: according to the help center, accounts without a plan get the models 'Auto or Flash-Lite' (Pro and Flash are not listed); Deep Research, Canvas, image generation with Nano Banana 2, music generation, slide creation, 15 GB of storage; video generation is not on the free plan (Google AI Plus and up) | Running local models, chatting with documents and offline speech-to-text are free; web search is limited |
| Price | Monthly or annual billing: Microsoft 365 Personal (includes Copilot); prices are listed on the official pricing page | Monthly plans: Google AI Plus, Google AI Pro and Google AI Ultra (with a higher tier); prices are listed on the official pricing page. In the Gemini app, video comes with Gemini Omni (AI Plus and up); Ultra also includes Veo 3.1. In Turkey, university students 18 and older get Google AI Plus free for 1 year (offer runs until December 31, 2026) | Bionic+: $20/month (cloud models hosted in the US) |
| Info as of | Oct 1, 2026 | Oct 8, 2026 | Oct 1, 2026 |
— : not checked. Details are in the cards below.
Difference: The Gemini app is free with a Google account; it runs as a separate app, not inside Word or Excel. Gemini inside Docs and Sheets is on a paid plan.
Best for: People who don't need it to work inside Office files

Google's AI: chats, researches, and makes images and presentations.
What sets it apart: Comes ready with your Google account; works inside Gmail, Docs and Drive.
For: Anyone who uses Gmail and Google Drive, students.
Difference: Chatting with documents is free and local; it is not built into Office apps, and it needs setup and a powerful computer.
Best for: People who don't want to upload their documents to the cloud

An easy desktop app that downloads open models and runs them on your computer.
What sets it apart: No command line needed; pick a model, download, chat. You can attach a PDF and ask questions.
For: People who want to try local AI without writing code.

Microsoft's assistant; works inside Word, Excel, Outlook and PowerPoint.
What sets it apart: Writes, summarizes and calculates inside the Office file, without leaving it.
For: People who work with Office files every day.
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