AI costs 2026: Copilot, ChatGPT, Claude and Gemini compared
What does AI really cost your company? Compare the list prices of Microsoft 365 Copilot, ChatGPT, Claude and Gemini Enterprise – and see how the vendors bill: a fixed seat price, a shared quota or usage by tokens.
- Current euro list prices with sources
- Calculator for your team
- Billing models explained clearly
In brief
The common AI assistants for businesses cost between €18 and €26 per user per month on an annual contract. The big differences lie in billing: Gemini Enterprise shares usage across all licenses of an edition, Claude Enterprise charges every token on top of the seat price, and ChatGPT Enterprise and Copilot agents run on credits. In Google Workspace, Gemini is included at no extra charge from Business Standard.
AI cost calculator
All prices net per user per month, annual contract.
Gemini Enterprise Business
Claude Team Standard
Microsoft 365 Copilot Business
ChatGPT Business
Gemini Enterprise Standard
Gemini Enterprise Plus
Gemini Enterprise through GMinds: As an official Google Cloud Partner and official Google Workspace and Google Cloud Reseller, we offer Gemini Enterprise below the list price in most cases. The terms depend on the scope – we clarify them in the initial consultation. Request terms →
Vendors’ list prices, net, as of November 4, 2026.
The four AI platforms at a glance
Price, billing and choice of models compared side by side.
Gemini Enterprise
GoogleMicrosoft 365 Copilot
MicrosoftChatGPT Business and Enterprise
OpenAIClaude Team and Enterprise
AnthropicSwipe for more providers
Gemini models are only available in Gemini Enterprise. Gemini Enterprise and Microsoft 365 Copilot are the two platforms that offer models from several providers. OpenAI models have been available in Google Cloud in preview since October 2026 (according to OpenAI).
Predictability: our assessment based on the published billing models.
Building and running agents: where the costs arise
An AI assistant answers questions when someone asks. An agent completes tasks on its own, often in many steps and on a schedule, without anyone watching. Every step uses computing power. That is why the billing model determines whether costs stay predictable.
Gemini Enterprise
GoogleMicrosoft 365 Copilot
MicrosoftChatGPT Business and Enterprise
OpenAIClaude Team and Enterprise
AnthropicSwipe for more providers
At Microsoft, a single answer that searches company data already costs 12 Copilot Credits.
Scheduled agents run around the clock; with usage-based billing, the bill grows with every run.
Reasoning models use many times more tokens.
6 ways to lower AI costs
Use AI you already pay for
In Google Workspace, Gemini is included from Business Standard. Many everyday office tasks don’t need an additional license.
Mix licenses
Not everyone needs the same AI. Use Enterprise licenses specifically for the teams that use search and agents across many data sources.
Use shared quotas
One pool for everyone prevents individual limits from slowing down heavy users and making expensive premium seats necessary.
Avoid empty seats
Check minimum purchases: Claude Enterprise starts at 20 seats, ChatGPT Enterprise is only available through sales.
Annual instead of monthly
With an annual contract, you save 13 to 19 percent compared with monthly payment at most vendors.
Plan agents with a fixed quota
Agents that run through a shared quota stay predictable. With usage-based billing, set budgets and caps in advance.
Gemini Enterprise also works with Microsoft 365
AI prices compared (as of November 4, 2026)
All plans with annual and monthly prices, billing and limits.
Show all 10 plans in detail
| Product | Annual contract | Monthly | Billing | Note |
|---|---|---|---|---|
| Gemini in Google Workspace | no extra charge from Business Standard (€13.60 incl. Workspace) | €16.20 incl. Workspace | Limit per personQuota per user per month | Limited in Business Starter |
| Gemini Enterprise Business | €18.00 | €21.00 | Shared quotaShared quota of all licenses | Up to 500 users, selected connectors |
| Gemini Enterprise Standard | €26.00 | €30.00 | Shared quotaShared quota, additional usage can be enabled | All connectors, custom agents, data residency |
| Gemini Enterprise Plus | €43.00 | €51.00 | Shared quotaShared quota, additional usage can be enabled | Higher quotas |
| Microsoft | ||||
| Microsoft 365 Copilot Business | €18.20 (promotion €15.60 until December 31, 2026) | – | Seat plus creditsSeat; agents within fair-use limits, beyond that Copilot Credits | In addition to Microsoft 365 Business, up to 300 users |
| Microsoft 365 Copilot | €26.00 | – | Seat plus creditssame as Copilot Business | In addition to Microsoft 365 E3/E5 |
| OpenAI | ||||
| ChatGPT Business | €21.00 | €26.00 | Limit per personLimits per seat, credits can be purchased | Up to 200 seats |
| ChatGPT Enterprise | no list price | – | Seat plus creditsShared credit pool | Quote from OpenAI |
| Anthropic | ||||
| Claude Team Standard | €18.00 | €21.04 | Limit per personLimits per seat | 2 to 150 seats |
| Claude Enterprise | Seat price plus usage | – | By usageEvery token at API prices | From 20 seats, no euro list price |
List prices net per user per month. Vendors can change prices at any time; Google adjusts euro prices for currency fluctuations without prior notice.
Let’s take 30 minutes to work out what AI costs for your team
- The right licenses for your teams
- Comparison with your current environment
- Terms through GMinds
