Ask Who Pays For The Free Column
Read the top row of this chart. Marketing: the paid option is HubSpot. Now read the seventh row. Sales and CRM: the free option is HubSpot CRM.
The same company is on both sides of the same chart, eleven rows apart. That is not an error, and it is not a gotcha. It is the single most useful thing on the picture, because it tells you what the word in the green column is actually doing.
“Free” is not a property of a tool. It is a business model — a decision somebody made about how this particular product gets funded. And there are only three of those decisions in common use. Once you can tell them apart, you stop asking “is there a free version?” and start asking the question that actually predicts your next twelve months: who is paying for this, and what do they want from me next?
The card is honest about its own limits in a way most are not. Along the bottom it says all 40 checked 29 Sep 2026 and free tiers have limits. Both true. This article is about the part underneath those two lines.
Three reasons a tool is free
| A · OPEN SOURCE | B · FREEMIUM | C · LOSS LEADER |
|---|---|---|
| Nobody pays. Volunteers and sponsors | You pay, later | A different product pays |
| No ceiling, no account, no upsell | A ceiling someone chose, and a prompt beside it | No ceiling either — the money is somewhere else |
| It stops when the maintainers stop | It stops at the line, on the day you cross it | It stops if the company changes strategy |
| Check the date of the last release | Check where the ceiling is before you build | Check what else they sell — that is the real product |
All twenty rows, with the funding model attached
The first three columns are the card’s own. The fourth is our reading of how each free entry is funded.
| Category | Paid | Free | Who pays for the free one |
|---|---|---|---|
| Marketing | HubSpot | Beacons.ai | Freemium |
| Productivity | Notion | Evernote | Freemium |
| Graphic Design | Adobe Illustrator | Inkscape | Open source |
| Website | Webflow | WordPress.org | Open source |
| Video Editing | Adobe Premiere Pro | DaVinci Resolve | Loss leader |
| Image Editing | Adobe Photoshop | GIMP | Open source |
| Sales & CRM | Salesforce | HubSpot CRM | Freemium — and the paid row 1 |
| Writing Assistance | Grammarly Premium | QuillBot | Freemium |
| AI Chatbot | ChatGPT Plus | HuggingChat | Loss leader |
| SEO | SE Ranking | Ubersuggest | Freemium |
| Content Ideas | BuzzSumo | Answer Socrates | Freemium |
| Email Marketing | Mailchimp | Brevo | Freemium |
| Finance | Quicken | Rocket Money | Freemium |
| Project Management | ClickUp | Trello | Freemium |
| AI Image Generation | Midjourney | Adobe Firefly | Loss leader |
| Text to Video | Pictory | Pika | Freemium |
| AI Voice Over | Murf AI | Speechify | Freemium |
| Analytics | VWO by Wingify | Microsoft Clarity | Loss leader |
| Time Tracking | Toggl | Clockify | Freemium |
| Scheduling | Calendly | Cal.com | Open source + paid cloud |
WATCH THE ORIGINAL — 45 SECONDS
All twenty rows with the category rail down the left, and the footer note about free tiers having limits.
▶ 40 best AI & business tools, paid vs free — BANI Academy on Facebook
Count them: most of the green column is a sales funnel
Thirteen of the twenty free entries are the free tier of a company that sells a paid tier. That is not a criticism — a free plan you can do real work on is a generous thing, and some of these are excellent. But it does mean the plan exists for a reason, and the reason is that the company has modelled roughly when you will outgrow it.
Which gives freemium its characteristic shape: it works beautifully, and then one day it does not. Not gradually. You cross a line — contacts, projects, exports, seats, minutes — and the thing you built your week around asks for a card. The specific line is different for every tool and the units do not compare across them, which we took apart row by row in 100 Tasks Or 1,000 Operations? That Isn’t A Comparison.
The practical rule is short. Before you build anything on a freemium tool, find the ceiling and write it down. Not the features — the number. Then ask whether your plausible success in six months crosses it. If it does, you have not found a free tool, you have found a subscription with a delay on it, and that is fine as long as you knew.
The most durable kind of free on this chart
Four of the twenty are free for a reason that has nothing to do with you upgrading, and those behave completely differently.
The clearest example is the video editing row. The free option there is a full professional editor, used on actual films, with no watermark and no nag screen. It is free because the company that makes it sells cameras and hardware. The software is how they get into your workflow; the money is in the kit. The same logic puts a free analytics product on the chart from a company whose business is advertising and cloud, and a free image generator from a company whose business is a creative subscription.
Loss leaders are the best deal on any chart like this, with one specific risk. There is no usage ceiling to hit, so the tool does not get worse as you get bigger — but the whole thing depends on a strategy you have no visibility into. It does not end on a threshold; it ends on an announcement. That is rarer and much less predictable.
And the third group, the open-source four, ends a third way again: not at a line, not at an announcement, but at a commit date. Nobody switches it off. It simply stops being updated, and keeps working perfectly until the day the format or the operating system moves. That is one of the four distinct ways a free pick quietly dies, which we set out in The Paid Tools Are Fine. It Is the Free Column That Rots.
What you can safely build on each kind
| Kind of free | Safe to build on it | Do not build this on it | The one question to ask first |
|---|---|---|---|
| Open source | Anything you want to still own in five years — files, formats, your own site | Anything where you need somebody to answer the phone | When did it last ship a release? |
| Freemium | Trying the job properly before paying for it | A growing list of customers, contacts or projects | Where exactly is the ceiling, in numbers? |
| Loss leader | Daily production work — there is no wall to hit | Something you could not rebuild if it vanished | What is the product this one is really selling? |
Four honest caveats
Several of these pairs are not like-for-like, and one is not close. The sales row puts an enterprise platform that companies employ people to administer opposite a free CRM. For a hundred contacts they do the same job; for a sales organisation they are not in the same conversation. The productivity row compares a workspace you build systems in with a notes app. Read the category, not the arrow — and rank any switch by how much friction it actually costs you, which is the argument in Every Swap Has A Price.
Open source means you are the administrator. The website row is the sharpest example: the free option is the self-hosted version, which is genuinely free and genuinely yours, and also means hosting, updates, backups and the 2am phone call are now your job. That trade is real in both directions and we worked through it properly in Describe The Site, Get A Live Page. Then What Do You Own?
On the image rows, read the licence, not the price. Two tools can both be free to use and differ entirely on what you may do with the output commercially, and on which plan that applies to. If the image is going on something monetised, the terms of the specific tier you are on are the only thing that matters.
The chart is dated, and that is the best thing about it. It names a check date and warns that free tiers have limits. Take both seriously: a chart like this is accurate on the day it is made and decays from then on. Before you add any of these to what you already pay for, check whether something in your current stack already does the job — most people shopping for a free tool already own a paid one that covers it, which is the method in Stop Paying Twice: The Overlap Audit.
Questions people ask
Is freemium a trap? No. It is a trial with no deadline, which is a good deal. It becomes a trap only when you build something whose success you cannot afford — a list, a client base, a library — on the wrong side of a ceiling you never looked up.
Why would a company give away a professional product? Because the money is somewhere else in the business. Cameras, advertising, a creative subscription, cloud services. When you cannot see the price, look for the other product.
Should I prefer open source for everything? For anything you want to still control in five years, yes. For anything where downtime costs you money and you want somebody accountable, no.
How do I check a ceiling quickly? Open the pricing page, find the free column, and write down every number in it. If a number you care about is missing from that column, that is the ceiling.
Not “is it free” — “who is paying”
Forty tools, twenty swaps, one company on both sides. That one overlap is the whole lesson: the green column is not a category of product, it is a collection of funding decisions that happen to cost nothing today.
Thirteen of them want you on the paid tier eventually. Four are free because something else in the company pays the bill. Three or four belong to nobody and will outlive most of the rest. Knowing which is which does not change what you install this week — it changes what you are willing to build on top of it.
Learning a lot does not make anyone good. Doing a lot does.
If you want a deadline rather than another saved comparison chart, we run a free challenge — there is no barrier to entry, only a commitment fee that is refunded when you finish. It exists because a deadline ships the thing, and a bookmark ships nothing.
Which free tool are you depending on, and do you know who pays for it? Tell us in the comments under the original reel.
More on building a channel for a global audience at mmoyoutube.com.




One Comment