The local app is free and open-source (the code is public and free to use) — no account, no card, no usage limits. Running models on your own computer is genuinely unlimited and private, forever.
One thing that'll confuse you the moment you Google it: Ollama now also sells a paid Cloud option for running big models you can't fit on your own machine. That's a separate, optional service — it requires an account and sends your data to their servers. This guide is about the free, private, local path. If you run into 'Ollama Cloud,' that's the paid thing, and you can ignore it to get started.
Your computer does the work, so hardware matters most. Rough floor: about 8 GB of RAM (your computer's short-term working memory — on Windows, check Task Manager; on Mac, 'About This Mac') to run a small-to-mid model smoothly. Underpowered means slow or won't run at all. This — not any setup step — is the main thing deciding whether Ollama feels pleasant or painful.
Friendlier than it used to be. There's now a proper desktop app: install it, open it, pick a model from a menu, and chat — no typing commands required. A command line (a text window where you type instructions instead of clicking) is still handy for housekeeping like listing or removing models, but you don't need it to get going.