Business AI pricing compared: per user vs per company
Prices and features checked 2026-11-13
Prices are copied from each vendor's own pricing page on 13 November 2026. We haven't converted currencies. Check each vendor's site before you buy, because these change.
Per user vs per company
Per user (also called per seat) means you pay for each person who has access. Microsoft 365 Copilot Business, Claude Team and ChatGPT Business all work this way. It's fair when only a few people use the AI heavily. It gets expensive when you want everyone on it: the office, the estimator, the site supervisors and the apprentice who files the receipts.
Per company means one price however many people use it. The Everything charges A$400 a month + GST for the company, with unlimited team members and every feature from day one. It's billed monthly and you can cancel anytime. A two-person business pays the same as a forty-person one, so it's poor value for the very smallest teams and good value as you grow.
Neither model is better in itself. The right one depends on how many people need the AI and what you need it to do. If your team mostly drafts and researches, a few per-user seats are probably the answer. If you want the whole team handing jobs to an AI, per company tends to win. See drafting vs doing.
Worked monthly costs for 1, 5, 15 and 40 people
Priced in Australian dollars (excluding GST)
| People | The Everything (monthly billing) | Copilot Business, annual billing, AU$26.91 (current) | Copilot Business, annual billing, AU$31.40 (original) | Copilot Business, monthly billing, AU$37.68 |
|---|---|---|---|---|
| 1 | A$400 | AU$26.91 | AU$31.40 | AU$37.68 |
| 5 | A$400 | AU$134.55 | AU$157.00 | AU$188.40 |
| 15 | A$400 | AU$403.65 | AU$471.00 | AU$565.20 |
| 40 | A$400 | AU$1,076.40 | AU$1,256.00 | AU$1,507.20 |
Priced in US dollars (before tax)
| People | Claude Team Standard, annual (US$20/seat) | Claude Team Standard, monthly (US$25/seat) | ChatGPT Business, annual (US$20/user) | ChatGPT Business, monthly (US$25/user) |
|---|---|---|---|---|
| 1 | Not available (2-seat minimum) | Not available | Not available (starts at 2 users) | Not available |
| 5 | US$100 | US$125 | US$100 | US$125 |
| 15 | US$300 | US$375 | US$300 | US$375 |
| 40 | US$800 | US$1,000 | US$800 | US$1,000 |
The sums are simply the published per-user price times the number of people. The Everything doesn't change with headcount. On annual billing, Copilot Business passes A$400 at 15 people on the current price and 13 on the original. On monthly billing it passes at 11. We haven't worked out the same crossover for Claude or ChatGPT, because that depends on the exchange rate on the day you pay.
Minimum seats, billing terms and extra charges
| Product | Seats | Billing | Usage and add-ons |
|---|---|---|---|
| The Everything (Core) | Unlimited users, one company | Monthly, cancel anytime. 14-day free trial, no credit card. | AI images: 20 fast + 3 premium per person a month, more available to buy. Optional website hosting $30 a month per live site; Google review automation $50 a month flat; custom domain priced yearly. |
| Microsoft 365 Copilot Business | Up to 300 users; needs a qualifying Microsoft 365 Business plan | Annual or monthly, auto-renews | Usage-based billing for select advanced AI features, including Cowork and Autopilot. Copilot Chat is included with eligible plans; custom agents in it are metered. |
| Claude Team | 2 to 150 seats | Annual or monthly; credit card only | Premium seats US$100 annual or US$125 monthly, with 5x the usage of Standard. Seat types can be mixed. |
| ChatGPT Business | From 2 users | Annual or monthly | Business Premium seats exist; price not confirmed. |
The Everything's full list is on its pricing page. Its AI phone line appears there under roadmap; it's in development and not yet available, so we haven't counted it. For the others, see Microsoft's Copilot Business pricing, Claude pricing and ChatGPT pricing.
What isn't in these numbers
- Microsoft 365 licences. Copilot Business is an add-on to a Microsoft 365 Business plan, and The Everything works in the Microsoft 365 and Teams you already have. Neither figure includes those licences. Microsoft also sells bundles: Business Standard with Copilot at AU$35.20 per user a month annual or AU$42.24 monthly, and Business Premium with Copilot at AU$47.90 or AU$57.48, ex GST.
- Tax. Australian prices here exclude GST. US prices are as published, before any tax.
- Promotions. Microsoft shows Copilot Business as “originally” US$21 and “now” US$18 (AU$31.40 and AU$26.91). A March 2026 Microsoft post called the lower price a promotion through 30 June 2026. It was still live when we checked, but it may not last.
- Local pricing. Anthropic says regional pricing is shown at claude.ai/upgrade. We couldn't confirm Australian dollar prices for Claude Team or ChatGPT Business.
- Setup time. Connecting Xero or job software to Copilot, Claude or ChatGPT usually means building or adding a connector. That's a cost in time, even when it isn't on the invoice.
Questions people ask
Which is cheapest for a team of five?
In Australian dollars, Microsoft 365 Copilot Business is AU$134.55 a month on annual billing, ex GST, against The Everything's A$400 + GST. Claude Team and ChatGPT Business are US$100 each before tax. Copilot also needs a Microsoft 365 Business plan.
At what team size is The Everything cheaper than Copilot?
On annual billing at the current AU$26.91, from 15 people. At the original AU$31.40, from 13. On monthly billing at AU$37.68, from 11. All ex GST.
Can one person buy Claude Team or ChatGPT Business?
No. Both start at 2 seats. One person would use an individual plan, which we haven't priced here. We didn't find a minimum seat count for Copilot Business. The Everything is one price per company.
Are there extra usage charges?
Copilot Business bills some advanced features by usage, including Cowork and Autopilot. Claude Team sells Premium seats with more usage. The Everything includes a monthly allowance of AI images per person, with more available to buy, plus optional add-ons such as website hosting.
Is there a free trial?
The Everything has a 14-day free trial with no credit card. Copilot Chat is included at no extra cost with eligible Microsoft 365 plans. Check the other vendors' sites for their current trial terms.
See whether it does your jobs
The Everything has a 14-day free trial, with no credit card. After that it's $400 AUD a month + GST for the whole company, with unlimited users.
Try The Everything free