comparison

Local LLM for coding vs cloud models: where running your own beats Claude and GPT

the verdict

A local coding LLM keeps your code on your machine, costs nothing per token, runs offline, and lets you pin the exact model — at the price of raw capability and some setup; cloud models like Claude and GPT are stronger on hard reasoning but send your code to a vendor and bill per token, which is why oi runs local models in your editor for the everyday work and leaves the hard calls to you.

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The default for AI coding is a cloud model: Claude or GPT, behind an API key, billing per token, with your prompts and code travelling to someone else's servers. It's capable and it's convenient. It's also not the only option, and for a lot of day-to-day coding it's overkill.

Privacy: where your code actually goes

With a cloud model, your prompt, your surrounding code, and often whole files leave your machine and reach a third party. For a side project that's a non-issue; for a client codebase under NDA, a regulated industry, or anything you simply don't want leaving the building, it's a real constraint that no privacy policy fully removes.

A local model removes the question. The weights sit on your disk, inference runs on your CPU or GPU, and nothing about your code touches a network unless you choose to send it. oi talks to a local runtime on localhost, so the privacy property is structural, not a setting you trust someone to honour.

Cost: per-token meter vs flat hardware

Cloud models bill per token, input and output. For light use that's pennies; for a team running agents, autocomplete, and chat all day it adds up to a recurring bill that scales with how much you code. A local model has no per-token cost at all — you've already paid for the machine, and inference is just electricity and time.

The tradeoff is upfront: a usable local coding model wants a reasonably modern machine, ideally with a decent GPU or an Apple Silicon Mac with enough unified memory. Once that's there, every completion is free, which changes how freely you reach for the model.

Control and offline: pin the model, work on a plane

Cloud endpoints change under you — a model gets deprecated, re-tuned, or rate-limited, and your tooling shifts without your say. A local model is a file you control: pull a version, pin it, and it behaves the same next month. You can also work fully offline, on a train or a plane or an air-gapped network, which a cloud model can't do at all.

Where cloud still wins is raw capability on the hardest problems — long multi-file reasoning, obscure domains, the genuinely tricky bug. The honest split is to use a local model for the high-volume everyday work and keep a cloud model for the occasional hard call. oi is built for that everyday half.

Local coding LLM vs cloud (Claude / GPT)

Local LLM (oi)Cloud (Claude / GPT)
Where your code goesStays on your machineSent to the vendor
Cost modelFree per use, pay for hardwarePer-token billing
OfflineWorks with no networkRequires connectivity
Model controlPin and keep the exact versionChanges under you
Raw capability on hard problemsGood, model-dependentStrongest
SetupInstall a runtime + pull a modelAdd an API key

frequently asked

Can a local model really replace Claude or GPT for coding?

For a lot of everyday work — autocomplete, refactors, boilerplate, explaining code, routine fixes — yes, recent open coding models are good enough. For the hardest multi-file reasoning, cloud models are still stronger. The sensible setup is local for the bulk, cloud for the occasional hard call.

Is it actually cheaper?

After the hardware, there's no per-token cost, so heavy daily use is where local pulls ahead. Light, occasional use can be cheaper on a pay-per-token cloud plan. The more you code, the more the flat-cost local option wins.

What hardware do I need?

Smaller coding models (around 7B parameters) run on a modern laptop, and run well on Apple Silicon with enough unified memory or on a machine with a discrete GPU. Bigger models want more VRAM. oi leaves the model choice to you so you can match it to your hardware.

Does oi host the model?

No. oi is the CLI and VS Code layer that connects your editor and terminal to a local runtime (Ollama or llama.cpp) running an open model you've pulled. The inference is local; oi never proxies your code anywhere.

Last updated June 19, 2026

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