# Bearly review (2026): is the free plan enough?

> Privacy-focused app for Claude, GPT, Gemini and Grok models

Checked Nov 13, 2026 · graded Nov 13, 2026 by ToolGPA.

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.

- **Category:** AI Assistants
- **Made by:** Bearly, Inc.
- **Website:** https://bearly.ai
- **Runs on:** Web, macOS, Windows, Linux, iOS, Browser extension
- **Who should skip it:** 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.
- **Facts last checked:** Nov 13, 2026

## Pricing

As of Nov 13, 2026, Bearly has a free plan, and paid plans start at $20 per month.

- **Pricing model:** Free plan
- **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 | $20 per month, billed monthly | $20 in AI credits each month with no rate limits; Opus models, cowork, deep research and coding tools. |
| Analyst | $60 per month, billed monthly | Everything in Pro with $60 in monthly credits, and access to Claude Fable. |
| Research | $100 per 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 https://bearly.ai/pricing on Nov 13, 2026. Prices change, so confirm with Bearly before buying.

## Ways to pay less

- **Save 17% with yearly billing** (Annual discount): The pricing page offers a yearly option labelled as saving 17% against monthly billing. Source: https://bearly.ai/pricing

## 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.

## Good for

- People who want several labs' models without separate subscriptions
- Users who care about chats not being used for training
- Teams that need SSO and audit logs through the Enterprise plan

## 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.

## ToolGPA grades

**GPA: 2.2 out of 4**, graded Nov 13, 2026. 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.

- **Value for money: D.** $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.
- **Free plan and trial: C.** A small daily credit allowance on the free plan, with no card. The size isn't stated, and some features are paid only.
- **Features: B.** Many 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.
- **Ease of use: C.** No store rating on record. It's a web app and desktop apps with accounts, models and credits to understand before you start.
- **Platforms and integrations: B.** Web, Mac, Windows, Linux, iPhone and a browser extension, with connectors and MCP. There's no Android app on record.

These are ToolGPA's own grades. 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.

## Where it 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.

The category's chart of price against score: https://toolgpa.com/charts/ai-assistants

## Keep it, 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.

- You could not: An AI model, which you can rent by the request but not make.
- You could not: An AI agent, with the models and the safeguards behind it.
- You could not: A library of papers and sources to search.
- You could not: A search engine with an AI model behind it.
- You could not: Speech turned into text you can trust.
- You could not: Apps for macOS, Windows, Linux and iOS that stay in step with each other.
- You could not: End-to-end encryption done properly.
- You could not: The depth: we grade its features B, which means it covers the whole job.

A judgement by ToolGPA from this listing, by rules that are the same for every tool. Nothing was built to test it.

**Tags:** Chat assistant, End-to-end encrypted, AI agents, Research, AI search, Transcription, AI features

## Alternatives

- [Poe](https://toolgpa.com/tools/poe): One app for chatting with AI models from many different labs. [Compare](https://toolgpa.com/compare/bearly-vs-poe)
- [ChatHub](https://toolgpa.com/tools/chathub): Ask several AI models one question and compare answers side by side. [Compare](https://toolgpa.com/compare/bearly-vs-chathub)
- [TypingMind](https://toolgpa.com/tools/typingmind): Chat interface for AI models that runs on your own API keys. [Compare](https://toolgpa.com/compare/bearly-vs-typingmind)
- [T3 Chat](https://toolgpa.com/tools/t3-chat): Web chat app with models from several AI labs in one account. [Compare](https://toolgpa.com/compare/bearly-vs-t3-chat)
- [Mammouth](https://toolgpa.com/tools/mammouth): One subscription for GPT, Claude, Gemini and other AI models. [Compare](https://toolgpa.com/compare/bearly-vs-mammouth)

## Sources

The prices, plans, platforms and features above were read from these pages on Nov 13, 2026:

- https://bearly.ai/
- https://bearly.ai/pricing

Page: https://toolgpa.com/tools/bearly
Listed by ToolGPA (toolgpa.com).