What a Private AI Assistant Costs: 2026 Math

If you are weighing a private assistant of your own against a pile of monthly AI bills, the honest answer to "what does it cost?" is short: one bill a year, with everything inside it. This is the whole 2026 arithmetic for the service, with every assumption shown. No hidden numbers.

The short answer

$9,995 the first year — everything included. $5,995 each year after. Before it, if you like, the Archive Assessment: $1,950, credited in full. The first year costs more because it contains the preparation — your archive prepared and loaded by hand under a written scope, and your assistant built on it — as well as the first year of the service; every year after is the service running. One bill a year: no start fee, no usage charge, no meter, no per-person charge. One home under one roof, or one practice in one office, is the first year — however many of you there are. Several homes, several offices, or staff spread across sites: by conversation, scoped in writing. Not sure which you are? Order the first year; if it needs more, our letter says so before anything is final.

What is inside the price

Everything the service is. Your archive, prepared and loaded by hand under a written scope. Your assistant, built on it, answering from your own records with citations. The connections you ask for — mail, calendar, files, the messaging apps you already use. The models themselves: the strongest commercial models are part of the service, chosen by us for each kind of work and billed inside the fee, so there is no per-word charge and no bill at the end of a heavy month. And the care — the running, continuous encrypted backups, restoring them when needed — is our job, not yours. It all runs in our private cloud on Amazon Web Services; here is where it runs, plainly.

What you still pay for yourself

Nearly nothing: the internet connection you already have, and sales tax at checkout. There is nothing to buy, power or insure, and nothing to build — which is also why it is ready in days.

The mechanics, in letters

You order and pay at checkout; within days we write back — a decline, with every dollar returned, or a written confirmation that sets the year and the anniversary. Until that confirmation you may withdraw in writing; from it, the year is final. Thirty days before each anniversary we write with the figure — $5,995 — and the direct link to renew, and nothing renews unless you use that link. Every year you keep paying is a choice you make in writing, thirty days ahead.

The three-year comparison

Here are three years of the service against three years of renting a stack of AI apps. Every assumption is on the table, so you can swap in your own — and we will not hide the total.

The service, three years

  • $9,995 the first year, then $5,995 twice: $21,985, everything included — the loading, the models, the care, the backups.
  • Nothing on top: no meter, no per-person charge, no true-up at the end of a heavy year.

Rented AI apps, three years

  • Light user at $29 a month: $1,044
  • Moderate user at $50 a month: $1,800
  • Heavy user stacking plans at $100 a month: $3,600

The honest arithmetic

We will say the uncomfortable part plainly: on the bill alone, a single $29 chat plan is cheaper than this service, and so is a $100 stack. If the only thing you care about is the smallest possible monthly number, rent one app and stop reading.

What the bill buys is different in kind, and it is fair to hold us to the list: an assistant built on your own material, answering from your own records with citations; a space of your own — encrypted, scoped to you alone, never pooled, never used to train anyone else's model; the strongest commercial models inside the fee rather than three more subscriptions beside it; people who answer in writing within one business day; one flat price for the whole household or practice; and a defined ending — stop, and your space and everything in it is deleted, confirmed in writing, with a complete copy of your material yours for the asking at any time.

So the people best served are the ones already paying for several AI services, and the ones for whom who-holds-your-information is the point. If you pay for one modest plan and privacy is not your concern, this is not for you: the honest case for it is privacy and care, not undercutting a cheap monthly bill.

Where the old limits went

Earlier versions of this page had a section here called "being fair about the limits", which said plainly that a small machine in the house could not match the biggest models on the hardest work. That was true, and it is a large part of why the machine is gone: the service now runs in our private cloud, and the strongest commercial models are part of it — chosen by us for each kind of work, billed inside the fee. The limit that remains is the one above: this is not the cheapest way to chat with an AI, and we have never claimed it is.

Frequently asked questions

How much does it really cost per month?

There is no monthly figure — the service is annual only. $9,995 the first year, everything included; $5,995 each year after; and the Archive Assessment, if you take it first, is $1,950, credited in full. One bill a year: no start fee, no usage charge, no meter, no per-person charge.

Are there extra charges for the strongest models, or for heavy months?

No. The strongest commercial models are part of the service — chosen by us for each kind of work and billed inside the fee. Using it more does not move the bill, and there is no true-up at the end of the year.

What if the service breaks?

If the service breaks, we fix it; if we cannot, the remainder of the paid year is returned. The care — the running, continuous encrypted backups, restoring them — is our job, not yours.

What happens when I stop?

You stop in writing, at any time, and it takes effect at the end of the paid year; a year confirmed in our letter is final. Ask for a complete copy of your material and you receive it — you can do this at any time, not only on the way out. Then your space and everything in it is deleted, and the deletion is confirmed to you in writing. Nothing about you stays behind.

The price, in plain words →

One service, instead of a stack →

Your own AI. Your own material. One assistant, yours alone.

$9,995 the first year — everything included. $5,995 each year after. The first year costs more because it contains the preparation — your archive prepared and loaded by hand under a written scope, and your assistant built on it — as well as the first year of the service; every year after is the service running.

Begin the first year — $9,995

Or add the Archive Assessment first — $1,950, credited in full

You order and pay at checkout; we write back within days — a decline returns every dollar, and until our letter confirms the year you may withdraw in writing. From that letter the year is final, and it arrives on the date the letter names. Prefer to write to us first?