VS
Head-to-Head Comparison
Microsoft Copilot vs Cursor
An honest, side-by-side breakdown of pricing, features, and security — so you can pick the right tool.
Published Last updated
- Microsoft Copilot starts at £6/mo and Cursor at US$8/mo — published in different currencies, so not a like-for-like figure.
- Microsoft Copilot is best for businesses needing enterprise-ready AI chat; Cursor for businesses needing enterprise-ready coding help.
Microsoft Copilot
AI Chatbot
7.8/ 10
Free · Free tier
Best for businesses needing enterprise-ready AI chat
Visit Microsoft CopilotSee all AI Chatbots →
Cursor
AI Coding
8.4/ 10
Free · Free tier
Best for businesses needing enterprise-ready coding help
Visit CursorSee all AI Coding Assistants →Some “Visit” links are affiliate links. How we earn →
Feature comparison
| Feature | Microsoft Copilot | Cursor |
|---|---|---|
| CompareMyAI score | 7.8 / 10 | 8.4 / 10 |
| Free tier | ||
| API access | ||
| Open source | ||
| Enterprise ready | ||
| GDPR compliant | ||
| Vendor holds SOC 2 | ||
| Vendor holds ISO 27001 | ||
| MFA supported | ||
| Trains on your data |
Certifications may only cover business or enterprise plans. Check the vendor’s trust page for your plan.
Cursor comes out ahead — and you can try it free.
Try Cursor freeAffiliate link · how we earn
Pricing
Price checked with vendor on
FreeFree
Enterprise—
HobbyFree
IndividualUS$20/mo ≈£15.03/mo
TeamsUS$40/mo ≈£30.06/mo
EnterpriseContact sales
PlusUS$8/mo ≈£6.01/mo
PremiumUS$30/mo ≈£22.55/mo
SuperUS$100/mo ≈£75.15/mo
UltraUS$200/mo ≈£150.31/mo
Always check the provider's site for the latest pricing.
Pros & cons
Microsoft Copilot
Pros
- +Built into Microsoft 365
- +Strong enterprise security and compliance
- +SOC2 and GDPR certified
- +No separate subscription if you have M365
Cons
- −Limited standalone value outside Microsoft ecosystem
- −Less capable than ChatGPT or Claude for general tasks
- −Requires M365 licence
Cursor
Pros
- +Purpose-built AI code editor
- +Excellent at understanding whole codebase context
- +Natural language code editing
- +Fast and responsive
Cons
- −Separate application from existing IDE workflow
- −Subscription required
- −Newer with smaller community than Copilot
Our take— Cursor wins
Based on our comparison of published pricing, features, and compliance data, Cursor and Microsoft Copilot match on every tracked privacy, compliance, and capability attribute. Cursor scores 8.4/10 against Microsoft Copilot's 7.8/10. The 0.6-point score gap reflects our overall assessment beyond these specific attributes.
Frequently asked questions
Does Microsoft Copilot train on your data?
Based on published vendor information, Microsoft Copilot does not train its models on your data. Policies can differ by plan and change over time, so it is worth confirming the current terms on the vendor's site.
Does Cursor train on your data?
Based on published vendor information, Cursor does not train its models on your data. Policies can differ by plan and change over time, so it is worth confirming the current terms on the vendor's site.
Are Microsoft Copilot and Cursor GDPR compliant?
Based on published vendor information, both Microsoft Copilot and Cursor state they are GDPR compliant. Vendor-level compliance does not remove your own obligations when you process personal data through either tool.
Do Microsoft Copilot and Cursor have a free tier?
Yes — both Microsoft Copilot and Cursor offer a free tier, so you can try each one before committing to a paid plan. Free tiers usually come with usage limits.
Which has an API, Microsoft Copilot or Cursor?
Neither Microsoft Copilot nor Cursor is recorded as offering public API access in our data. If you need to integrate programmatically, confirm current availability with the vendor.