Most AI book tools make you choose: either you use the models they picked and pay their prices, or you manage raw API keys yourself and get a blank text box. AIWriteBook works without a key, on credits, with Gemini, Claude and Grok built in. The key is an option for authors who want more control over the model and the bill.
If you have used a key-first tool such as NovelCrafter, the difference is that here the key is optional and plugs into the full workflow: outline, story bible, chapters, cover, formatting and publishing. If you are still comparing tools, our guide to the best AI writing tools for authors covers how the options differ.