Last month I got a $41 OpenAI bill for a side project that maybe 12 people use. That's when I decided: no more API keys for personal projects.
Turns out you can run five genuinely good LLMs locally with three commands and zero cost.
The 3 commands
# 1. Install Ollama (one line)
curl -fsSL https://ollama.com/install.sh | sh
# 2. Pull a model
ollama pull llama3.1:8b
# 3. Run it
ollama run llama3.1:8b
That's it. No signup, no API key, no credit card.
The 5 free models I actually use
| Model | Size | Best for | My verdict |
|---|---|---|---|
| Llama 3.1 8B | 4.7GB | General chat, writing | Daily driver |
| Qwen 2.5 Coder 7B | 4.7GB | Code generation | Beats GPT-3.5 on my Python tasks |
| DeepSeek R1 8B | 5.2GB | Reasoning, math | Slow but scary good |
| Mistral 7B | 4.1GB | Fast answers | Best speed/quality ratio |
| Gemma 2 9B | 5.8GB | Summarization | Underrated |
Real numbers from my machine
On my 32GB RAM laptop (no GPU, just CPU):
- Llama 3.1 8B: ~11 tokens/sec — usable for chat
- Qwen Coder: ~9 tokens/sec — fine for code review
- With a $300 used RTX 3060: 40+ tokens/sec — faster than typing
Monthly cost: $0. Previous API spend: $41/month. Savings: $492/year.
Bonus: use them in Python
import requests
r = requests.post("http://localhost:11434/api/generate", json={
"model": "qwen2.5-coder:7b",
"prompt": "Write a Python function to merge two sorted lists",
"stream": False
})
print(r.json()["response"])
No SDK, no auth headers, no rate limits. It just works.
The catch (being honest)
- 8B models are not GPT-4. For complex refactors I still open a paid tool occasionally.
- You need 8GB+ RAM free per model. 16GB total is the comfortable minimum.
- First token latency on CPU is 2-4 seconds.
For autocomplete and coding, I pair local models with MonkeyCode — a free open-source AI coding assistant that plugs into Ollama directly, so completions stay 100% on my machine: https://ly.cyberserval.tech/iIETXiF
Question for you: which local model is your daily driver — and did you manage to fully cancel your API subscriptions, or do you still keep one paid tool around?
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