ChatGPT Business vs Microsoft 365 Copilot for a UK Accountancy Practice Running Xero and Making Tax Digital
ChatGPT Business (formerly Team) and Microsoft 365 Copilot both cost roughly £20 per user per month, but they solve different problems for a UK accountancy practice running Xero. Copilot lives inside Excel, Word and Outlook — the tools accountants already use daily — while ChatGPT is a standalone environment better suited to research, drafting and ad-hoc analysis. Neither connects natively to Xero. For Making Tax Digital compliance, the real AI lift comes from Xero itself: its JAX superagent now auto-reconciles bank lines and extracts invoice data natively. This piece compares both tools head-to-head across the workflows that matter to a 10-person UK practice approaching the April 2026 MTD deadline.