Bring your own key means two bills
Novelcrafter's AI tiers start at $8 per month, but that subscription buys the workspace, not the intelligence: the AI itself runs on your own OpenAI, Anthropic or OpenRouter key, and the provider bills you separately for every token. Heavy drafting months cost what the provider charges, and you carry the setup: creating keys, funding accounts, choosing models. BookFoundry includes the AI in the price of the book. $14.99 covers the planning, the writing, the formatting, the cover and the export files, with no key to configure and no second invoice to watch.