The criterion is simple: if most of your work happens inside Office, pick Microsoft Copilot (US$19.99, its value is native integration); if you don't use Office, pick Monica (US$8.3) — no need to pay for integration you won't use.
本則評論查證於 2026-08-09
（13 天前）
，價格與額度以官方最新公告為準。
They also argued about these things on another page.
The web version offers basic text conversation for free; advanced features such as Copilot Chat, Researcher/Analyst agents, and image generation in Office require Microsoft 365 Premium (US$19.99/month) or an M365 subscription.
US$0: 40 standard-model uses per day on a shared quota across Claude 4.5 Haiku / Gemini 3.1 Flash-Lite / GPT-5.4 mini, limited trial of image and video generation, limited trial of ChatPDF, time-limited AI Agent trial, up to 3 logged-in devices (read directly in a browser from the Traditional Chinese monica.im/pricing on 2026-08-09)
Replacing the original Copilot Pro, the highest personal plan; US$199.99/year, includes advanced Copilot features (Researcher/Analyst agents, AI image generation, etc.) and up to 6TB of space; official website promotion (discovered on 2026-07-30): first month free trial, no expiration date specified, source=microsoft.com/en-us/store/b/copilotpro
M365 Business edition
官方報價（洽詢）
Available by subscription, M365 Personal (US$9.99/month) and Family (US$12.99/month) now both include basic Copilot functionality
Monica
Plan
Price
What you get
Pro
US$8.3 / mo（年繳均攤）
US$99/year billed annually (about US$8.3/month); 5,000 base-model messages + 200 advanced-model messages per month, 1,500 premium credits, 5 devices. The official site doesn't display a monthly-billed list price (2026-08-09 tested: the toggle switch had no effect)
Max
US$16.6 / mo（年繳均攤）
US$199/year billed annually (≈ US$16.6/month), a limited-time 33% off, list price US$299/year; unlimited use of standard + premium models, 4,500 premium credits, 5 devices. Formerly named Unlimited; officially still marked as in beta. Monthly list price not shown on the official site
Ultra
US$82.9 / mo（年繳均攤）
Annual billing US$995/year (≈US$82.9/month), 17% savings with annual billing; unlimited use of standard + advanced models, 20,000 advanced points, 10 devices. The monthly list price is not shown on the official site
Which one should you pick?
Both offer a free plan. Compare paid tiers against your needs.
Monica has no public paid plan; Microsoft Copilot starts at about US$19.99 / mo.
FAQ
Is there a free version of Microsoft Copilot?
Yes. The web version offers basic text conversation for free; advanced features such as Copilot Chat, Researcher/Analyst agents, and image generation in Office require Microsoft 365 Premium (US$19.99/month) or an M365 subscription.
How much does Microsoft Copilot cost?
The cheapest is the plan from Microsoft Copilot named Microsoft 365 Premium, at about US$19.99 / mo.
Does Microsoft Copilot support Chinese?
Microsoft Copilot offers full Chinese interface support.
Is there a free version of Monica?
Yes. US$0: 40 standard-model uses per day on a shared quota across Claude 4.5 Haiku / Gemini 3.1 Flash-Lite / GPT-5.4 mini, limited trial of image and video generation, limited trial of ChatPDF, time-limited AI Agent trial, up to 3 logged-in devices (read directly in a browser from the Traditional Chinese monica.im/pricing on 2026-08-09)
How much does Monica cost?
The cheapest is the plan from Monica named Pro, at about US$8.3 / mo（年繳均攤）.
Does Monica support Chinese?
Monica offers full Chinese interface support.
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