What is the difference between Copilot Chat and Copilot Cowork?

Copilot Chat answers questions and helps you draft content as you work.

Copilot Cowork goes further: you describe a task, and it plans and executes the work end-to-end, returning a finished deliverable rather than a starting point.

Both sit inside the Microsoft 365 Copilot app, with a toggle to switch between the two. Cowork is billed separately on a usage basis, so it's worth planning budget and governance for it before rollout, something our AI Readiness Consultation covers.