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Good Antivirus Software

Built-in protection: Windows Security and macOS XProtect

What Microsoft and Apple say their own systems already include.

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Windows Security

Microsoft says the Windows Security app is built into Windows and includes Microsoft Defender Antivirus, Windows Firewall, and Smart App Control.

Microsoft Defender Antivirus

Microsoft says Microsoft Defender Antivirus "continuously scans your device for potential threats." Microsoft's online scams page says Windows 10 includes it and it is turned on by default.

Checking it on Windows

Microsoft says to search for Windows Security in the Start menu, then open Virus & threat protection to run a quick scan or manage settings.

XProtect on a Mac

Apple says macOS includes built-in antivirus technology called XProtect, which detects and removes known malware using signatures. Apple says it updates those signatures automatically, separate from system updates.

What XProtect does when it finds malware

Apple says that when XProtect detects known malware, "it blocks it and moves it to the Trash," then alerts the user in the Finder.

Other software

Microsoft's support page notes there are also third party antivirus apps you can choose from. We do not say whether you need one; compare what each adds to what you already have.

FAQ

We do not say. Microsoft describes what Windows Security includes; compare that list with what a separate product adds.
We do not say. Apple describes the App Store, Gatekeeper, Notarization, and XProtect as layers of its malware defenses; read its page, then decide.

Next: what antivirus does

Known patterns, and the limits.