TODO for AI
vs 
Copilot Cowork
Microsoft 365 Copilot's agent: describe a task and it does the work across Outlook, Teams, Word, Excel, PowerPoint and SharePoint. Here is where each one wins, with numbers, and who should pick which.
Copilot Cowork
Anthropic and OpenAI, picked by Microsoft
TODO for AI
Every providerWho should pick which
- Your work lives in Outlook, Teams, Word, Excel and SharePoint
- You already pay for Microsoft 365 Copilot
- IT needs tenant-level controls and audit on day one
- Your work spans tools outside Microsoft 365: CRM, ads, shop, website, servers
- You want your team and AI on one board, not private sessions
- You want every model on one plan and one shared budget instead of a license plus credits
- You want the AI to propose work from what it knows about your business
We are not competing for the same job
Copilot Cowork gets the task done.
TODO for AI organises the whole company’s work.
Copilot Cowork answers one question: how do I get this task done, inside Microsoft 365? So do the others — Cursor inside the editor, Claude Code in one person's session, Lindy by asking its assistant.
We answer a different one: where does the work live? One board per project, and a project for each part of the company — engineering, marketing, ops, finance, one per client. Your colleagues work on it. So do your agents, as many as you want to run, each with its own model, tools and permissions. Items carry the people who worked them and the agent that ran them, and the board filters by person, so what the company has in flight is one screen instead of a Slack thread.
That is not a team plan bolted onto an AI tool. It is the product. The agents are how items get closed; the board is what the company runs on.
What Copilot Cowork is, and where it stops
Copilot Cowork is Microsoft's answer to Claude Cowork, generally available since 16 June 2026. You describe a task and it carries it out across your Microsoft 365 environment: drafts and sends mail, schedules meetings, builds the deck and the spreadsheet, posts in Teams, files it in SharePoint. It runs in Microsoft's cloud under your identity and permissions, and at launch it runs on Anthropic models, with OpenAI in the Frontier program.
The perimeter is Microsoft 365. Work that lives in your CRM, your ad account, your shop admin, your servers or your codebase is outside it, and there is no shell on your own machine. Pricing is a Copilot license and then credits per task, so the bill follows usage. Like every agent here except ours, it waits for someone to describe the task.
Companies already standardised on Microsoft 365 who want an agent inside Outlook, Teams and Office.
Three reasons Copilot Cowork users look elsewhere
Cowork is excellent inside Outlook, Teams and Office. The CRM, the ad account, the shop admin, the vendor portal and the server are outside it.
You need a Microsoft 365 Copilot license per user, then every Cowork task spends credits priced by model, context, tool calls and runtime.
Cowork executes what you describe. It does not look at your business and put the next piece of work on the list.
Six dimensions that decide it
Copilot Cowork 15/30TODO for AI 29/30What each one ships
Copilot CoworkTODO for AISame ladder, different meter
Copilot Credits at $0.01 each. Cost depends on the model, context retrieval, tool calls and runtime, so a heavy task can cost dollars on top of the license.
One pool priced in dollars of model cost, spendable on any vendor. Session and weekly windows pace it, and a 1.3-1.5x plan multiplier applies, so a $20 plan is about $15 of list-price API. Team seat prices go into one shared pool.