Bearly review (2026): is the free plan enough?
Privacy-focused app for Claude, GPT, Gemini and Grok models
Black Friday: is there a Bearly sale?
Bearly report card
Fair · out of 4.0 · graded Nov 13, 2026
Best for one app for several AI models without rate limits
Bearly puts Claude, GPT, Gemini and Grok models in one app, with research, document and coding tools around them. Paid plans turn the price into credits, so there's no cap but heavy use of the big models eats a month of credits fast. The free plan is a small daily allowance, and plans start at $20 a month.
Who Bearly is for
- Fits if you want Claude, GPT and Gemini behind one login instead of three subscriptions
- Works for people who would rather pay for the credits they use than hit an hourly cap
Who Bearly is not for
- Pricey if you use big models all day: a $20 plan is $20 of credits, and it runs out as fast as the model costs
- Watch out: Opus needs Pro and Claude Fable needs Analyst at $60 a month
- Skip it if you're on Android, as no Android app is listed
- Watch out: the pricing page shows a yearly saving but not the yearly prices in readable text
- Tight if you stay free: the allowance is small and some features are paid only
Why Bearly gets a 2.2
Five grades, each with its reason. The GPA is their average: an A is 4 points, an F is none.
- DValue for money$20 a month is where the dearest tenth of AI assistants starts. The credits equal what you pay, so the model costs pass straight through, and Opus models need Pro or above.
- CFree plan and trialA small daily credit allowance on the free plan, with no card. The size isn't stated, and some features are paid only.
- BFeaturesMany models, research, documents, desktop tools and connectors in one place. Nothing in the listing is missing from the job, but the biggest models need the dearer plans.
- CEase of useNo store rating on record. It's a web app and desktop apps with accounts, models and credits to understand before you start.
- BPlatforms and integrationsWeb, Mac, Windows, Linux, iPhone and a browser extension, with connectors and MCP. There's no Android app on record.
What these grades rest on. Graded from this listing, whose facts were read from Bearly's own pages on 13 November 2026. Not based on using the product, and shorter than our full reviews. How we review and grade.
Make Bearly? Put this grade on your site
Paste this where you want the badge. It links here and follows the grade if it changes. About badges
<a href="https://toolgpa.com/tools/bearly#review"><img src="https://toolgpa.com/badge/bearly.svg" alt="Bearly: 2.2 GPA on ToolGPA" width="196" height="56"></a>Where Bearly stands among AI assistants
Bearly's GPA of 2.2 is higher than 15 of the 87 other AI assistants we grade, and level with 15.
It stands best on features (B, above 51 of 87) and worst on value for money (D, above 0).
Its paid plans start at $20 a month, against a middle price of $12.46 for the category: 43 of the 53 others that charge start lower.
On features, ease of use and platforms it scores 2.7 out of 4. 19 tools score higher and cost less.
Each grade against the category
Every bar is all 88 AI assistants we grade, cut by the letter each got. Bearly’s own letter is outlined.
- DValue for moneyAbove 0 of 87, level with 9
- CFree plan and trialAbove 12 of 87, level with 43
- BFeaturesAbove 51 of 87, level with 31
- CEase of useAbove 6 of 87, level with 33
- BPlatforms and integrationsAbove 42 of 87, level with 32
Price against what you get
Each dot is one of 65 AI assistants. Further left costs less, and higher up scores better on features, ease of use and platforms. Point at a dot to see which tool it is.
Features, ease of use and platforms, averaged
What paid plans start at, a month (each step along is roughly double) →
- The best score at each price
- Has a free plan
- No free plan
Keep Bearly, or make your own?
Keep it
To replace Bearly you would be making an AI model, which you can rent by the request but not make. That is not a weekend's work, with an AI app builder or without one.
That makes this kind of software worth paying for, not this one in particular: 57 of the 87 other AI assistants grade higher. It costs $240 a year.
What you could not
- An AI model, which you can rent by the request but not make.
- An AI agent, with the models and the safeguards behind it.
- A library of papers and sources to search.
- A search engine with an AI model behind it.
- Speech turned into text you can trust.
- Apps for macOS, Windows, Linux and iOS that stay in step with each other.
- End-to-end encryption done properly.
- The depth: we grade its features B, which means it covers the whole job.
What this rests on. Bearly’s listing: what it does, where it runs, what it plugs into and what it costs. It is a judgement about the kind of software this is. We have not built a replacement for it, and making your own means looking after it too. How we decide, and every tool’s verdict.
What is Bearly?
Bearly is one app that gives access to models from Anthropic, OpenAI, Google, xAI and others, with research, coding, document and desktop tools around them. It says chats are end-to-end encrypted and never used for training. Each paid plan converts its price into AI credits that renew monthly.
Worth knowing
- Paid plans give credits equal to their price, so heavy use of the largest models can use a month's credits quickly.
- Opus models need Pro and Claude Fable needs Analyst or higher.
- The pricing page shows a 17% saving on yearly billing but does not show the yearly prices in readable text.
- Enterprise pricing is set per company and adds SSO, SCIM and audit logs.
Key features
- Many models in one app
- Models from Anthropic, OpenAI, Google, xAI, DeepSeek and others are listed, plus image, video and speech models.
- Encryption and privacy
- The site says chats and files are individually encrypted, not used for training, and that Bearly cannot read them.
- Credits instead of rate limits
- A paid subscription converts to credits at cost. When credits run out they refresh the next month, with no overage charge.
- Research and documents
- Web and image search, deep research, document Q&A and generation of documents, presentations and spreadsheets.
- Desktop tools
- Desktop apps add a browser, Chrome control, computer use and local file access.
- Connectors and MCP
- App connectors and remote or local MCP servers extend what the assistant can reach.
Bearly pricing
As of Nov 13, 2026, Bearly has a free plan, and paid plans start at $20 per month.
- Starts at
- $20 per month
- Free plan
- A small daily credit allowance for Claude, GPT, Gemini and Grok models, with some features limited to paid plans; no credit card needed.
- Free trial
- None listed
| Plan | Price | What you get |
|---|---|---|
| Free | $0 | A daily credit allowance for Claude, GPT, Gemini and Grok models. Some features need a paid plan. |
| Pro | $20per month, billed monthly | $20 in AI credits each month with no rate limits; Opus models, cowork, deep research and coding tools. |
| Analyst | $60per month, billed monthly | Everything in Pro with $60 in monthly credits, and access to Claude Fable. |
| Research | $100per month, billed monthly | $100 in monthly credits. This price is stated in the pricing page's FAQ; the plan cards show only Pro and Analyst. |
Read from bearly.ai on Nov 13, 2026. Prices change, so confirm with Bearly before you buy.
Ways to pay less
- Annual discountSave 17% with yearly billing
The pricing page offers a yearly option labelled as saving 17% against monthly billing.
Stated on bearly.ai
Bearly alternatives
- Bearly vs Poe
Free plan · from $4.17/mo
- Bearly vs ChatHub
Free plan · from $14.99/mo
- Bearly vs TypingMind
Free plan · from $39 one-time
- Bearly vs T3 Chat
Free plan
- Bearly vs Mammouth
From $10/mo
Common questions
Does Bearly have an Android app?
No Android app was listed when its pages were read on Nov 13, 2026. Bearly is listed for Web, macOS, Windows, Linux and iOS.
Is Bearly open source?
Bearly is not described as open source on its own site, as read on Nov 13, 2026.
Is Bearly end-to-end encrypted?
Bearly describes itself as end-to-end encrypted on its own site. Nobody here has audited that.
Sources for this page
The prices, plans, platforms and features above were read from these pages on Nov 13, 2026.