What Is Microsoft Copilot?Microsoft Copilot 是什么？
Microsoft Copilot is Microsoft's AI assistant, available as free Copilot Chat (web, Windows, iOS, Android) and as the enterprise Microsoft 365 Copilot woven into Word, Excel, PowerPoint, Outlook and Teams. In September 2026 Microsoft unveiled a major overhaul built around three pillars: Home — a central landing that merges Chat (day-to-day work) with Cowork (delegate whole tasks); Code — build applications, dashboards and automations with natural language, powered by the same technology as GitHub Copilot in a sandboxed environment inside your organization's Microsoft 365; and Autopilot — an agent that keeps working on tasks independently, even while you're away from your computer.Microsoft Copilot 是微软的 AI 助手，有免费的 Copilot Chat（网页、Windows、iOS、Android）和深度织入 Word、Excel、PowerPoint、Outlook、Teams 的企业版 Microsoft 365 Copilot。2026 年 9 月微软发布大改版，围绕三大支柱：Home——把 Chat（日常工作）与 Cowork（整活儿外包）合在一个中央入口；Code——用自然语言建应用、仪表盘和自动化，底层是 GitHub Copilot 同源技术，在组织 Microsoft 365 内的沙箱运行；Autopilot——你离开电脑它也能自己继续跑任务的 Agent。
The overhaul also reverses Microsoft's old direction: instead of putting Copilot inside Word, Office in Copilot puts Word, Excel and PowerPoint inside Copilot — files can be created and edited directly in Copilot while staying synchronized with the Office apps, with a new Library keeping documents accessible. This part is currently rolling out to Frontier program customers in Copilot Chat and Cowork only. And since March 2026, Copilot in Word automatically displays citations whenever responses incorporate web content or Work IQ sources — so readers can verify where an answer came from, a genuine anti-hallucination upgrade for document work.这次改版还反转了微软的老路线：以前是把 Copilot 塞进 Word，现在是 Office in Copilot——把 Word、Excel、PowerPoint 塞进 Copilot——在 Copilot 里直接创建、编辑文件，并与 Office 应用保持同步，还有新的 Library 集中管理文档。这部分目前仅向 Frontier 计划用户在 Copilot Chat 和 Cowork 里逐步开放。而从 2026 年 3 月起，Word 里的 Copilot 会自动显示引用：只要回答引用了网页内容或 Work IQ 来源，就标出出处——读者能核验答案从哪来，是文档场景里实打实的防幻觉升级。
The September 2026 Copilot is Microsoft's answer to "AI that does work, not just chat": Home/Code/Autopilot plus Office in Copilot turns Copilot from a sidebar into the actual work surface — a reversal of the old "Copilot in Word" strategy. The most defensible upgrade is the least flashy one: Word citations since March 2026 are a real anti-hallucination step for anyone who ships documents. The bill to watch is the quiet one — new Microsoft 365 Copilot Business licences now come with usage-based billing via Copilot Credits ($0.01 per credit) switched on by default (direct from October 19, 2026; resellers from December 1, 2026): a fixed bill becomes a fixed bill plus a variable one. Set a spending limit before you add seats. And don't sell the Frontier-only features to your team as available today — most accounts won't see Office in Copilot for a while. Verdict: the free Copilot Chat is a no-brainer trial; enterprise buyers should pilot on Frontier, set billing limits, and treat citations as a starting point for verification, not a guarantee.
2026 年 9 月的新版 Copilot 是微软对「干活的 AI，不只是聊天的 AI」的回答：Home/Code/Autopilot 加上 Office in Copilot，把 Copilot 从侧边栏变成了真正的工作台面——彻底反转了老「Word 里加 Copilot」路线。最站得住脚的升级恰恰是最不炫的那个：2026 年 3 月起的 Word 引用功能，是所有要交付文档的人实打实的防幻觉进步。最要盯的是那张悄悄变的账单——新购 Microsoft 365 Copilot Business 许可现在默认开启按量计费（Copilot Credits，$0.01/credit）：直销 2026 年 10 月 19 日起、经销商 2026 年 12 月 1 日起——固定账单变成「固定+浮动」。加席位之前先设好 spending limit。也别把 Frontier 专属功能当成今天就能用卖给团队——多数账号一时半会儿还见不到 Office in Copilot。结论：免费 Copilot Chat 无脑试用；企业买家先在 Frontier 试点、设好计费上限，把引用当作核验的起点而不是保证。
— 中国吧 AI Tools Hub Editorial Team
Who Should Use Microsoft Copilot?谁适合使用Microsoft Copilot？
✓ Good Fit For适合以下场景
- Microsoft 365 shops — Word/Excel/PowerPoint/Teams are where your work already livesMicrosoft 365 重度用户——Word/Excel/PowerPoint/Teams 就是你的工作主场
- Teams that ship documents and need verifiable, cited drafts (Word citations)要交付文档、需要可核验带引用的草稿的团队（Word 引用功能）
- Non-developers who want to build small apps/automations (Code) inside a compliant environment想在合规环境里用自然语言搭小应用/自动化的非开发人员（Code 功能）
✕ Not Ideal For不适合以下场景
- Anyone expecting Home/Code/Office in Copilot today — still a gradual Frontier rollout指望今天就用上 Home/Code/Office in Copilot 的人——还在 Frontier 逐步开放
- Cost-sensitive teams — new Business licences default to usage-based billing on top of the seat price对成本敏感的团队——新购 Business 许可在席位费之外默认叠加按量计费
- Developers wanting a code-first agent IDE — see Cursor or Claude Code instead想要代码优先的 Agent IDE 的开发者——看 Cursor 或 Claude Code
Getting Started with Microsoft CopilotMicrosoft Copilot 快速开始
1. Free trial: open copilot.microsoft.com — Copilot Chat is free, no install needed免费试用：打开 copilot.microsoft.com——Copilot Chat 免费，不用安装2. Word citations: draft with Copilot in Word and check the auto-attached citation footnotesWord 引用：在 Word 里用 Copilot 起草，检查自动附带的引用脚注3. Enterprise: have your M365 admin assign Microsoft 365 Copilot ($30/user/mo — price per official site); set a Copilot Credits spending limit before adding seats企业版：让 M365 管理员分配 Microsoft 365 Copilot（$30/人/月，价格以官网为准）；加席位前先设好 Copilot Credits 消费上限Key Features核心功能
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Home: Chat + Cowork in One PlaceHome：Chat + Cowork 一个入口 — A new central landing: Chat for day-to-day work, Cowork for delegating entire tasks — recent activity and ongoing work in one view.全新中央入口：Chat 负责日常工作，Cowork 负责整活儿外包——最近动态和进行中的工作一个视图全看到。
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Code: Build Apps in Natural LanguageCode：自然语言建应用 — Create applications, dashboards and automations from prompts — powered by the same technology as GitHub Copilot, sandboxed inside your organization's Microsoft 365.用提示词创建应用、仪表盘和自动化——GitHub Copilot 同源技术，在组织 Microsoft 365 内的沙箱中安全运行。
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Autopilot: Works While You're AwayAutopilot：离线继续跑任务 — An agent that continues working on delegated tasks independently, even when you step away from the computer (Private Preview).你离开电脑它也能独立继续跑被委派的任务（Private Preview 阶段）。
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Office in CopilotOffice 直接装进 Copilot — Word, Excel and PowerPoint files created and edited directly inside Copilot — no app-switching, content stays synced with the Office apps, plus a new Library (Frontier customers first).Word、Excel、PowerPoint 文件在 Copilot 里直接创建编辑——不用切应用，内容与 Office 应用保持同步，还有新 Library 集中管理（Frontier 用户先行）。
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Word Citations (Anti-Hallucination)Word 引用功能（防幻觉） — Since March 2026, Copilot in Word auto-displays citations when responses draw on web content or Work IQ sources — verify origins, track edits, build trust in every draft.2026 年 3 月起，Word 里的 Copilot 在回答引用网页内容或 Work IQ 来源时自动显示引用——核验出处、追踪修改、让每份草稿都可信。
Pros & Cons优缺点
✓ Good Fit For适合以下场景
- Free Copilot Chat — genuinely useful, zero cost to try免费 Copilot Chat——真好用，试用零成本
- Native across the whole Office stack — no copy-paste workflowOffice 全家桶原生——告别复制粘贴式工作流
- Word citations make AI-drafted documents verifiableWord 引用让 AI 起草的文档可核验
- Enterprise grounding via Work IQ / Fabric IQ on your org's data企业级 grounding：Work IQ / Fabric IQ 接组织数据
✕ Not Ideal For不适合以下场景
- Headline features still Frontier/Private Preview — slow to reach most users重磅功能还在 Frontier/Private Preview——多数用户要等
- New Business licences default to usage-based billing — watch the variable bill新购 Business 许可默认按量计费——盯紧浮动账单
- Less flexible than standalone agent IDEs for code-first developers代码优先的开发者会觉得不如独立 Agent IDE 灵活
Use Cases应用场景
Popular ways people use Microsoft Copilot.人们使用Microsoft Copilot的常见场景：
📄 Document Collaboration文档协作
Create and edit Word, Excel and PowerPoint files directly in Copilot — ask, create, review, edit in one connected environment, with citations on Word drafts.在 Copilot 里直接创建编辑 Word、Excel、PowerPoint——提问、创建、审阅、编辑一气呵成，Word 草稿还自带引用。
🏗️ No-Code App Building零代码建应用
Code lets non-developers build dashboards, automations and small apps from natural-language prompts — inside the compliant M365 sandbox.Code 让非开发人员用自然语言搭仪表盘、自动化和小应用——跑在合规的 M365 沙箱里。
🌙 Overnight Delegated Tasks离线委托任务
Hand a task to Cowork or Autopilot, close the laptop, come back to progress — agents that keep working while you're away.把任务交给 Cowork 或 Autopilot，合上电脑，回来验收——你不在它也继续干的 Agent。
❓ Everyday Q&A on Company Knowledge基于公司知识的日常问答
Ask across emails, meetings, chats and files — Work IQ and Fabric IQ ground answers in your organization's actual data.横跨邮件、会议、聊天、文件提问——Work IQ 和 Fabric IQ 让答案扎根在组织的真实数据上。
Similar AI Tools相似 AI 工具
If Microsoft Copilot doesn't fit your needs, here are other popular AI tools you might consider — for coding workflows see our head-to-head comparisons: Cursor vs Copilot and Claude Code vs Codex vs Copilot.如果Microsoft Copilot不符合你的需求，可以看看这些热门 AI 工具——写代码场景可参考本站正面对决：Cursor vs Copilot 和 Claude Code vs Codex vs Copilot。