MindPal vs Personal AI (2026): which should you pick?

Pick MindPal if

• Fits if you are a coach or consultant who wants clients to talk to an agent built on your material
• Works for agencies who can pay for extra seats and domains

Look elsewhere if

• Tight if you stay free: 100 credits and 100 MB of storage
• Pricey if you add the extras: $9 per 1,000 credits, $29 an editor seat, $9 a custom domain and $1 a GB
• Too light on Pro for clients, as it has no user seats
• Watch out: free credits may renew monthly or be a one-time amount, depending on the workspace
• Watch out: the pricing page showed a 60% Black Friday code, which is not counted here

Pick Personal AI if

• Fits if you are a carrier or enterprise looking at an AI memory layer
• Works for developers who want a memory service behind their own AI

Look elsewhere if

• Skip it if you want a price you can read, as pricing is scoped with sales
• Not for you if you want to try it free, as no free plan or trial is listed
• Too light on public detail for a solo buyer, as the pages focus on enterprise deployments
• Watch out: its benchmark claims were measured on a carrier network and this directory has not checked them

MindPal

• Usage is metered in AI credits, and cost depends on the model and the number of steps a workflow runs.
• Extra credits cost $9 per 1,000 as a one-time purchase; extra storage is $1 per GB a month, a custom domain $9 a month, an editor seat $29 a month and a user seat $5 a month.
• Public API access starts at Pro, and the Pro plan includes no user seats.
• The free plan's credit allowance renews monthly or is a one-time amount depending on the workspace's billing system.

Personal AI

• No public prices were found. The pricing page says deployments are scoped with the sales team, and the pages offer Talk to Sales and a carrier briefing.
• The current pages focus on enterprise and carrier deployments, so a self-serve consumer plan for My AI could not be confirmed.
• Only a web sign-in is visible on the pages read, and no apps or browser extensions are listed.
• The model page cites production benchmarks measured on a carrier network, which this directory has not checked.

MindPal

Agents built on your documents

Upload files, websites and instructions so an agent answers from your own material, with guardrails and a brand voice you set.

Multi-agent workflows

Chain agents into workflows for multi-step deliverables. Agent and workflow counts are unlimited on every plan.

Publish to clients

Share agents as links, embeds or branded portals. Custom branding needs a paid plan and custom domains are an add-on on Pro and Advanced.

Editor and user seats

Editors build and change agents; users only run what is shared with them. Advanced includes 20 user seats and Ultra has no seat cap.

Templates

Ready-made agent and workflow templates can be customized instead of building from a blank page.

Bring your own model key

Paid plans can use an API key from a model provider, who then bills for that usage directly.

Personal AI

My AI

An assistant described as remembering every conversation, learning your preferences and building a long-running relationship, with no setup or configuration.

Persona Studio

A no-code builder for defining a persona's personality, knowledge domains, memory behavior and guardrails, backed by Memory Core.

Memory Core

A memory and context service for developers that encodes, stabilizes, recalls and evolves persistent memory for AI applications.

Carrier-network deployment

MODEL-4 is deployed on an operator's own network under a single agreement covering deployment, licensing and support.

Security claims

The platform page says it is SOC 2 and HIPAA certified and GDPR compliant, with TLS 1.2+ in transit and AES-256 encryption at rest. These are the vendor's claims.

MindPal

• Free$0

  100 AI credits, 100 MB of knowledge storage and 5 editor seats. Whether the credits renew monthly or are a one-time starter amount depends on the workspace's billing system.

• Pro$39

  per month, billed annually ($49 billed monthly)

  6,000 AI credits a month, 5,000 MB storage and 1 editor seat, with custom branding on published agents, bring-your-own-key and API access.

• Advanced$149

  per month, billed annually ($179 billed monthly)

  30,000 AI credits a month, 25,000 MB storage, 5 editor seats and 20 user seats.

• Ultra$374

  per month, billed annually ($449 billed monthly)

  100,000 AI credits a month, 100,000 MB storage, unlimited editor and user seats and unlimited custom-domain connections.

Personal AI

Pricing could not be confirmed. See personal.ai.

MindPal

• Annual discount

  Lower monthly rate with yearly billing

  The pricing page shows Pro at $39 a month billed yearly against $49 a month billed monthly, and similar gaps on Advanced and Ultra.

Personal AI

No public discounts listed.