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$0
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- Bring your own API key
- On-device chats & Keychain
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The right plan depends on how long I'll stay in the home. I'll pull today's rates from Freddie Mac, then run the amortization on a $500k loan to compare monthly payment and total interest for a 30-year fixed, 15-year fixed, and 5/1 ARM.
{ "query": "current US mortgage rates August 2026", "max_results": 5 }| Plan | Rate | Payment | Interest |
|---|---|---|---|
| 30-yr fixed | 6.69% | $3,223 | $660k |
| 15-yr fixed | 6.01% | $4,222 | $260k |
| 5/1 ARM | 6.51% | $3,163 | $639k |
Monthly payment on a $500k loan:
Amortization in Python:
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$0
Lifetime
$19.99
FAQ
No. API keys stay in Apple Keychain. Conversations stay on your device. BayesChat has no account system and no cloud that receives your chats.
Bring your own key. You connect providers with your own API key and pay them directly. We do not resell tokens or sit in the middle of your requests.
Available now on iPhone and iPad; Mac is coming soon. Use OpenAI, Anthropic, Gemini, OpenRouter, DeepSeek, Mistral, LM Studio, Ollama, or any OpenAI-compatible endpoint with a custom URL.
No. BayesChat is free to download. Pro is a one-time in-app purchase with lifetime access — no subscription.
Free includes BYOK, on-device storage, streaming Markdown/LaTeX, themes, and basic parameters, with message and provider limits. Pro unlocks unlimited messages and providers, Chat Presets, MCP tools, custom prompts, advanced parameters, and bulk export.
Model Context Protocol. You can add MCP servers so the model can use external tools such as web search, fetch, or your own JSON-RPC tools — enabled per chat.
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