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How can I make an AI agent for free?

Last reviewed 7 October 2026

The short answer
Build it with free software and budget for the model. OpenAI's Agents SDK is an MIT-licensed library, and Copilot Studio offers an individual trial. The model calls are the part that usually costs money: the SDKs need a provider API key, and Anthropic bills API use by tokens after a small free credit for new users.

What free covers when you build an agent

An agent has three cost parts. The builder or library you write it with, the model calls it makes on every step, and the place it runs. The first part is often free. The second rarely is beyond a trial, because an agent calls the model many times per task. The third can be your own laptop while you learn.

So the honest goal is a free build and a small, capped test budget, not an agent that runs forever at no cost.

OptionWhat is freeWhat still costs or limits you
OpenAI Agents SDKThe library, MIT licence on PyPINeeds an API key for OpenAI models; model use is separate
Claude Agent SDK and Claude APISmall free API credit for new usersToken billing on actual monthly usage after that
Copilot Studio trialBuild and test agents with a work or school accountCannot publish; personal email addresses are rejected
ChatGPT Free planUsing existing GPTs and the plugin directoryCannot create new GPTs
Swfte Studio Free plan10 workflows, 5 AI agents, 2,000 executions a monthModel usage applies; see the pricing page
Free starting points as each vendor's own page described them on 7 October 2026. Plans change often, so re-check before you rely on one.

The code route: an open-source SDK and your own key

OpenAI's Agents SDK installs with pip install openai-agents, and its PyPI listing showed an MIT licence on 7 October 2026. Its documentation describes agents with instructions and tools, handoffs between agents, guardrails on inputs and outputs, sessions and human-in-the-loop support. It expects an OPENAI_API_KEY for OpenAI models and mentions adapters for other providers.

Anthropic's Claude Agent SDK gives the Claude Code agent loop and tools in Python and TypeScript, and uses API key authentication. Its use is governed by Anthropic's Commercial Terms. Anthropic's pricing page says new users receive a small amount of free credit to test the API, and billing after that follows actual monthly usage.

The no-code route: trials and free plans

Microsoft's Copilot Studio page, read on 7 October 2026, offers an individual trial that starts when you finish signing up with a work or school account. You can build and test agents in the test chat panel but cannot publish them. The trial can be extended by 30 days, and an agent keeps working for up to 90 days after it expires.

ChatGPT's free plan is not a build route today. OpenAI's help centre says personal accounts, Free included, can no longer create new GPTs, and its building features for agents sit on paid or workspace plans.

A worked example: an inbox triage agent on a zero budget

Say you want an agent that reads incoming support emails, sorts them by topic and drafts a reply for a person to send. Write it with one of the SDKs on your own machine, give it two tools (read the inbox and save a draft), and keep sending as a human step.

Costs appear in the model calls. Anthropic's pricing page notes that the tool definitions you send are counted as input tokens on every request, so each extra tool makes every step cost more. Cap the number of steps per email, run it on a small sample first, and watch the usage page before you widen it.

When free stops being the right choice

Free tiers suit learning and prototypes. They stop fitting when other people depend on the agent, when it handles customer or personal data under your organisation’s policies, or when you need records of who approved what. A trial that cannot publish, or a laptop that sleeps, is not a service.

Where Swfte stands

Starting on the Swfte Studio Free plan

Built in the product

Swfte’s pricing page lists a Studio Free plan with 10 workflows, 5 AI agents, 2,000 executions a month, pre-built templates and community support. Model usage through Connect is billed by use, so read the pricing page before you assume a run costs nothing.

Studio includes an approval step that pauses a run for a named person, which matters as soon as a prototype touches real data. Swfte is not affiliated with OpenAI, Anthropic or Microsoft.

Common questions

Can I build an AI agent with no money at all?
You can write one with free software, such as the MIT-licensed OpenAI Agents SDK, and test it on free trial credit where a provider offers it. Running it over time needs model calls, which providers charge for by usage once the free allowance ends.
Does Anthropic offer free API credit for building agents?
Anthropic's pricing page, read on 7 October 2026, says new users receive a small amount of free credit to test the API and that billing then follows actual monthly usage. It does not state the credit amount, so check your Console after sign-up.
Can I use Copilot Studio for free with a Gmail address?
Microsoft's page says sign-up can be rejected for a personal email address and recommends a work or school account. It also notes that your IT administrator may have switched off self-service sign-up, in which case you need to ask them to enable it.
Why does a free agent get expensive quickly?
An agent calls the model on every step, and each request includes your instructions, tool definitions and the history so far. Anthropic notes that tool definitions count as input tokens on each request. Long loops and many tools multiply cost, so cap steps per task.
Evidence

Sources

Facts about other vendors and about the terms on this page were read on the pages below on 7 October 2026. Vendor plans, names and menus change, so check the vendor’s page before you rely on a detail.

  1. PyPI listing for the openai-agents package, with its licence (read 2026-10-07)
  2. OpenAI Agents SDK documentation (read 2026-10-07)
  3. Claude Agent SDK overview (read 2026-10-07)
  4. Anthropic pricing documentation for the Claude API (read 2026-10-07)
  5. Microsoft Learn page on Copilot Studio access, trial and licensing (read 2026-10-07)

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