AI Toolkit Cheat Sheet

A practical guide to AI tools, costs, and resources for small business owners and solopreneurs.

Crystallized Intelligence · Last Updated June 2026

Section 01

Low-Code Workflow Platforms

Build AI-powered automations visually — no need to learn Python, LangChain, or any programming framework. Drag, drop, connect.

PlatformPricingSelf-Hosted?Best ForEU Notes
n8nFree (self-hosted), Cloud from €24/moTechnical users who want full control; 400+ integrationsCan be self-hosted on EU servers
MakeFree tier, then from €10.59/moVisual thinkers; great UI, strong app ecosystem🇨🇿 EU data centres available
PipedreamFree tier, then from $29/moDevelopers comfortable with light codeUS
ZapierFree tier, then from €19.99/moBeginners; simplest interface, 7,000+ appsUS, some EU processing
ActivepiecesFree (self-hosted), Cloud from $5/moOpen-source Make alternative; growing fastCan be self-hosted on EU servers
Recommendation: Start with Make if you want ease of use with EU data residency. Move to n8n when you need more control.

Section 02

API Routers & Orchestrators

A single gateway to access multiple AI models. One API key, switch between models easily, and keep your data in the EU.

PlatformWhat It DoesPricingEU Compliance
EUrouterEU-sovereign AI routing; drop-in OpenRouter replacementPay-per-use🇪🇺 Data stays in EU
Requesty EU140+ models, zero cross-border transfer, Frankfurt-hostedPay-per-use🇪🇺 GDPR Art. 44, ISO 27001
EuqaiEU-native router with intelligent model selectionPay-per-use🇳🇱 Hosted in Netherlands
OpenRouterLargest model selection (200+)Pay-per-useNote: EU routing by request only
Why use a router? You avoid vendor lock-in, can compare models easily, and European routers keep your data within EU borders — important for GDPR compliance.

Section 03

Best AI Models by Task

You don't need the biggest model for every job. Here's what works best for common small business tasks, as of June 2026. Each model name links to the provider's announcement or model page.

General Text (emails, summaries, content drafts)

ModelProviderApprox. CostNotes
Mistral Medium 3.5Mistral AI 🇫🇷~$0.40 / 1M inputBest European option; 256k context, strong multilingual
Mistral Small 4Mistral AI 🇫🇷~$0.15 / 1M inputApache 2.0; great for simple tasks, European language fluency
Claude Sonnet 4.6Anthropic 🇺🇸~$3.00 / 1M inputExcellent for nuanced writing and analysis
GPT-5 miniOpenAI 🇺🇸~$0.25 / 1M inputCheapest "good enough" option; 400k context

OCR (Reading documents, invoices, scanned PDFs)

Model / ServiceTypeBest For
Mistral OCR 3API (commercial) 🇫🇷Best all-round document understanding
Google Document AIAPI (commercial)Strong layout detection
Azure Document IntelligenceAPI (commercial)Best for invoices and forms
PaddleOCR 3.5Open SourceSelf-hosted, 100+ languages, free
olmOCR-2-7BOpen SourceState of the art for scanned docs

Speech-to-Text (Transcription)

Model / ServiceTypeBest For
Mistral VoxtralAPI + Open Source 🇫🇷EU-sovereign; outperforms Whisper on European languages
Whisper Large V3 TurboOpen SourceBest overall open-source STT; 50+ languages
Deepgram Nova-3API (commercial)Best real-time; lowest latency
ElevenLabs Scribe v2API (commercial)99 languages, excellent diarisation
Google Chirp 3API (commercial)100+ languages

Coding from the Command Line (Vibe Coding)

A coding CLI is a chat window that lives in your terminal and can read, write, and run files in your project. You describe what you want in plain English; the model edits the code, runs it, and reports back. Most are free to install — you pay either a subscription or per-use API fees for the model behind them.

ToolModelPricingBest For
Claude CodeClaude (Sonnet, Opus)Included with Claude Pro/Max ($20–$200/mo) or pay-per-use APIMost polished agent; best for non-developers who want it to "just work"
Codex CLIGPT-5 familyFree CLI; ChatGPT Plus/Pro sign-in or OpenAI API keyOpenAI users who already pay for ChatGPT
Gemini CLIGemini 2.5 ProGenerous free tier with a Google account; paid via APIMost generous free tier; good for trying things out
AiderAny (Claude, GPT, Mistral, local Ollama, etc.)Free; you pay the model provider directlySovereignty: point it at Mistral or a local model
opencodeAny (provider-agnostic)Free; bring your own API keyOpen-source alternative if you want full control
Sovereign route: Aider or opencode pointed at Mistral's La Plateforme (Codestral for code) keeps your code and prompts on EU-hosted infrastructure.

Claude Skills Worth Stealing for Any Model

A Claude Skill is a folder with a SKILL.md file (plain markdown instructions) and optional bundled scripts. The format is portable: you can drop the same instructions into opencode with Mistral, Aider, or Gemini CLI — you just lose Claude's automatic loading. Below are six worth borrowing.

SkillWhat it doesWhere it's from
frontend-designBuilds polished UI that avoids generic "AI slop" aesthetics — strong taste, real CSS, considered typographyanthropics/skills
gdpr-complianceAudits code for GDPR issues, drafts privacy notices and DPAs, answers compliance questions with article citationsorazionelson/gdpr-compliance-claude-skill
video-useEdits video by conversation — transcribe, cut, colour grade, burn subtitles. No menus, no presets.browser-use/video-use
systematic-debuggingDisciplined reproduce → minimise → hypothesise → fix loop for hard bugs and performance regressionsobra/superpowers
code-reviewReviews a pull request against the plan and your coding standards — catches what self-review missesanthropics/claude-plugins-official
rememberPersists session state so the next conversation picks up with full context — buffer, daily, recent, archivethedotmack/claude-mem
How to use a Claude Skill in another tool (opencode, Aider, Mistral Le Chat):
  1. Clone or download the skill folder from GitHub.
  2. Open SKILL.md — everything below the YAML frontmatter is plain English instructions.
  3. Paste those instructions into your tool's system prompt, or reference the file directly: "Follow the instructions in skills/gdpr-compliance/SKILL.md when reviewing this code."
  4. If the skill bundles scripts (Python, shell), they run on your machine regardless of which model called them.

You lose Claude's automatic "decide when to invoke" behaviour — other models will treat the skill as a suggestion rather than an imperative. Tell them explicitly when to use it.

Section 04

What Does AI Actually Cost?

Real examples with real numbers. Spoiler: it's probably less than you think.

AI API costs are measured in tokens (chunks of text). Rough guide: 1,000 tokens ≈ 750 words. A typical email is about 200–400 tokens.

Weekly Event Digest

Process 20 event descriptions, generate categorised summary

~$0.05/year
Using Mistral Small 3.2

Customer Email Summarizer

Process 50 emails/day, generate daily summaries

~$3.60/year
Using Mistral Medium 3.1

Transcribe a 1-Hour Meeting

Whisper (self-hosted): Free
Deepgram Nova-3: ~$0.46/hr
OpenAI API: ~$0.36/hr

Free – $0.46
Depends on provider
Bottom line: For most small business use cases, AI API costs are negligible — often less than a coffee per month. The real cost is your time building and maintaining the workflows.

Section 05

Low-Code Web & App Builders

Need a frontend for your AI workflow? These let you create web apps, portals, and dashboards without coding.

PlatformStarting PriceBest ForConnects To
SoftrFree, then $49/moClient portals, internal tools, simple web appsGoogle Sheets, Notion, Xano
WeWebFree, then €29/moMore design control; beginner-friendlySupabase, Xano, REST APIs
Recommendation: Start with Softr — it's the fastest path from idea to working app.

Section 06

European AI Resources & Directories

ResourceWhat It IsLink
European AI AtlasDirectory of EU-made AI tools and servicesaiatlas.eu
AI4Europe (AIoD)EU-funded AI-on-demand platformai4europe.eu
Mistral AILeading European LLM provider 🇫🇷mistral.ai
InfomaniakSwiss hosting with built-in AI tools 🇨🇭infomaniak.com
LuxinnovationLuxembourg's national innovation agencyluxinnovation.lu

Section 07

Learning Resources

ResourceWhat You'll LearnFormat
Elements of AIThe fundamentals of AI — what it is, how it works, where it's goingFree online course 🇫🇮
promptingguide.aiHow to write effective promptsFree online guide
n8n.io/coursesBuilding workflows in n8nFree video courses
CI NewsletterCurated AI news for businessDaily email
crystallized.lu/gemsAI concepts explained simplyBlog posts
make.com/academyMake platform tutorialsFree courses
Mistral AI DocsUsing Mistral's models and APIDocumentation

Section 08

Quick Decision Guide

Pick what you want to do, get a starting point.

"I want to automate a repetitive task" Make or n8n + an AI model

Start by picking a single task that's eating your time — sorting incoming emails, tagging leads, copying data between Google Sheets and your CRM, generating weekly reports. Don't try to automate everything at once.

In Make or n8n, you build the workflow visually: a trigger (new email, form submission, scheduled time) → a processing step that calls an AI model to classify, summarize, or draft → an action (update the sheet, send a Slack message, file the document). Make is friendlier for beginners and has EU data centres. n8n gives you more control and can be self-hosted on your own EU server for full data sovereignty.

Both have free tiers that are enough to get started. A typical first workflow takes 30–60 minutes to build and saves several hours per week from day one.

Non-technical shortcut: you can ask an AI chat (Claude.ai or Mistral Le Chat) to build the whole workflow for you as an importable JSON file. Describe in plain English what you want — what triggers it, what data to pull, what the AI should do with it, where the result goes — and ask for the finished n8n JSON. Then in n8n: open a new workflow → click the menu → Import from File (or paste the JSON directly onto the canvas). The entire workflow appears with nodes pre-wired, ready for you to plug in your credentials.

Example prompt you can copy, paste, and adapt:

I want to build a workflow in n8n that helps me keep track of what's happening in Luxembourg's networking scene, so I don't have to check the Network website every week.

Here's what I'd like it to do:

  1. Go to https://thenetwork.lu/events/events-calendar/ and grab the page.
  2. Pull out the useful bits for each event — the title, date, time, whether it's online or in person, where it is, a short description, and the link.
  3. Send those events to an AI model to sort and summarise them into a weekly digest aimed at busy small business owners. I'd like the events grouped into three buckets:
    🔥 High relevance — technology, leadership
    📋 Worth knowing — workshops, training, networking
    😸 Fun — drinks and aperos
  4. Email the digest to me via Gmail.

A few setup notes:

  • I'm using n8n cloud.
  • For the AI step, I'm calling Mistral through OpenRouter, with Bearer token auth. The model is mistral-medium-3.
  • I am non-technical. I need everything as set up as possible with clear instructions on how to attach my OpenRouter and Gmail credentials.
  • Please use as few steps as possible. Simplify where it makes sense.
  • Please give me the finished workflow as a JSON file I can import straight into n8n.
"I want to summarize or draft content" Mistral Le Chat (free) or Claude.ai

Both are free chat interfaces with no setup — open the link in your browser, sign up, and start typing. Paste your text and describe what you want: "summarize in 3 bullets," "rewrite in a formal tone," "extract the action items from this meeting."

Mistral Le Chat is EU-hosted in France, GDPR-native, and fastest for European languages (French, German, Spanish, Italian, etc.). Claude.ai is stronger for nuanced writing, long documents (up to 200,000 words in one prompt), and structured reasoning tasks like reviewing contracts or analyzing spreadsheets.

The free tiers are enough for occasional use. Paid plans (~€20/month) unlock the most capable models, longer documents, and higher daily limits.

"I want to transcribe meetings" Whisper (free) or Deepgram

You have three realistic routes, depending on how technical you want to get and whether the recording needs to stay private:

1. Free, on your own computer (most private): Install Whisper locally. Technical users run it as a Python command (whisper recording.mp3 --model medium.en). Non-technical users can use a friendly desktop app like MacWhisper (Mac) or Buzz (Mac/Windows/Linux) — drag, drop, transcribe. Nothing ever leaves your device.

2. Free through a chat tool: Upload the audio to Mistral Le Chat or Claude.ai and ask it to transcribe and summarize in one step. Fastest for one-off recordings — but the audio leaves your device.

3. Paid API (best for high volume or live): Deepgram Nova-3 is faster, more accurate with accents, and supports real-time captions. Around €0.40/hour — call it from Make or n8n in an automated pipeline.

"I want to read & process documents" Mistral OCR or Google Document AI

For one-off scans or simple PDFs: upload the file to Mistral Le Chat or Claude.ai and ask for the extracted text, tables, or specific fields. Free, instant, no setup.

For automated pipelines (invoices arriving daily, an archive of documents to digitize, contracts to process): call the Mistral OCR API from a Make or n8n workflow. It handles complex layouts, tables, and multi-language documents in one pass. EU-hosted.

For structured field extraction (invoice number, VAT, dates, line items into a database): Google Document AI has pre-trained "processors" for invoices, receipts, IDs, and forms. Azure Document Intelligence is the comparable Microsoft offering — strongest for forms.

"I want to build a client portal" Softr with built-in tables

Softr lets you ship a login-protected client portal in an afternoon. Use their built-in database (no separate tool needed) or connect an existing Google Sheet, Airtable, or Notion workspace. Out of the box you get user authentication, per-client content, file uploads, forms, and a clean mobile-friendly design.

The free tier covers small portals. The €49/month plan unlocks custom domains, more users, and payment gating. If you want more design control or custom interactions, WeWeb is the next step up — still no-code, but closer to a full web framework.

Typical starter build: client login → dashboard with their projects/invoices → file upload area → contact form. One afternoon, zero code.

"I want to stay GDPR-compliant" EUrouter or Requesty EU + Mistral

Two practical rules: keep the data inside the EU, and prefer EU-hosted models.

Route your API calls through EUrouter or Requesty EU instead of OpenRouter. Both are Frankfurt-hosted with zero cross-border transfer — meaning your customer data never touches US servers, even in transit.

Pick Mistral models as your default. French-hosted, GDPR-native, and competitive on quality. Reserve US-hosted models (Claude, GPT) for tasks that don't involve personal data, or only after you have a signed DPA in place.

Document it. Add your AI tools to your processing register (GDPR Art. 30), note where each provider hosts data, and include them in your privacy policy. For platforms like Make, choose the EU data region at setup — it's a one-click decision that's much harder to reverse later.

"I want to connect multiple AI models" Use an API router (see Section 02)

Instead of juggling separate accounts, API keys, and monthly bills with OpenAI, Anthropic, Mistral, Google, and the rest, use one router. You get a single API key, one dashboard, one invoice, and can swap between models by changing a single string in your workflow or code.

OpenRouter has the largest selection (200+ models) but is US-based. EUrouter and Requesty EU are the EU-sovereign alternatives — fewer models, but your data stays in Europe.

All are pay-per-use — no monthly fees, no minimums. You only pay for tokens actually used. For a typical small-business workload, that's usually a few euros per month.

Section 09

The Thirteen Layers of Building a Real App

Vibe coding gets you to a prototype quickly. Shipping it to real users is the iceberg under the waterline. Here are the thirteen layers that exist whether you think about them or not — what each is, when it starts mattering, and a starter-friendly tool or pattern for each.

1. Frontend foundations

What users see and click — the HTML, CSS, and JavaScript running in their browser.

When it matters: always.

Starter pattern: React, or plain HTML for a one-pager. Pick a UI kit; don't reinvent buttons.

2. APIs and backend logic

The server code that handles requests from the frontend.

When it matters: as soon as your app does anything beyond static content.

Starter pattern: Express on Node, FastAPI on Python, or Supabase to skip writing a server.

3. Database and storage

Where data persists between sessions.

When it matters: as soon as you have users with accounts, saved content, or anything that survives a refresh.

Starter pattern: Postgres. Supabase or Neon offer Postgres as a service.

4. Auth and permissions

How users log in. Who can do what.

When it matters: the moment you have more than one user.

Starter pattern: Clerk, Auth0, or Supabase Auth. Don't roll your own.

If you must roll your own: hash passwords with bcrypt or argon2 — never plain text, never MD5/SHA. You'll also need secure session cookies (HttpOnly, Secure, SameSite), CSRF protection, a password-reset flow with single-use tokens, login rate limiting, and ideally TOTP for 2FA (otplib). That's the minimum — and why most people use Clerk.

5. Security and row-level security

Making sure user A can never read or modify user B's data, even if there's a bug elsewhere.

When it matters: the moment two users share an app.

Starter pattern: Postgres Row-Level Security (RLS) policies. Built into Supabase.

6. Rate limiting

Stopping abusive traffic — bots, brute-force login attempts, runaway scripts.

When it matters: before your first public deploy.

Starter pattern: Cloudflare's free tier, or express-rate-limit on Express.

7. Caching and CDN

Making your app feel fast for users far from your server.

When it matters: once you have international users or static assets.

Starter pattern: Cloudflare or BunnyCDN in front of your app.

8. Hosting and deployment

Where your code actually runs in production.

When it matters: the day you want anyone to use your app.

Starter pattern: Scaleway, Hetzner, or Fly.io for a real server. Vercel or Netlify for static frontends.

9. Cloud and compute

The underlying machine — CPU, RAM, disk.

When it matters: when you outgrow shared hosting or want predictable performance.

Starter pattern: a single Scaleway or Hetzner VM is enough for years for most small SaaS.

10. CI/CD and version control

Git for tracking changes. CI for running tests automatically. CD for deploying when tests pass.

When it matters: from day one for git; CI/CD when you have anyone else on the team or any tests worth running.

Starter pattern: GitHub + GitHub Actions. Sovereign alternative: self-hosted GitLab on a Scaleway or Hetzner VM, with GitLab CI built in.

11. Load balancing and scaling

Spreading traffic across multiple servers when one isn't enough.

When it matters: when you genuinely have too much traffic for one box. Most small apps never reach this.

Starter pattern: wait until you need it, then add a managed load balancer.

12. Error tracking and logs

Knowing your app is broken before users tell you.

When it matters: before your first public deploy.

Starter pattern: Bugsink (self-hosted, Sentry-compatible) for errors, or Sentry's SaaS if you don't want to host. Better Stack or Logtail for logs.

13. Availability and recovery

Backups. Restore procedures. What happens when the server dies.

When it matters: before you have a single paying customer.

Starter pattern: daily Postgres backups to Scaleway Object Storage or Infomaniak Swiss Backup. Test restoring them once a quarter.

The non-negotiable minimum before your first user: layers 1, 2, 3, 4, 5, 6, 8, 9, 10, 12, and 13. The rest (CDN, scaling) can wait until traffic or complaints tell you it's time.

Section 10

Six Security Questions Before You Take On Live Users

You need to be able to answer these six questions about your own product.

1. Where does the data live? EU vs. US

Picking an EU host (Scaleway, Hetzner, OVH) keeps you out of cross-border-transfer trouble. See Hosting for starter options.

2. What do you actually store? Less collected = less to leak

Audit your own forms. Don't collect a birthday you'll never use.

3. Who can see it? Authentication and access control

One sentence each on a checklist: who is logged in, what role they have, what records that role can touch. Row-Level Security in Postgres makes this enforceable, not just policy.

4. Can users get their data out — or delete it? Access, rectification, erasure, portability

GDPR in four verbs. Build a "download my data" and "delete my account" path before launch — they're easier to add early than retrofit.

5. What do you tell people you're doing? A privacy notice in plain English

Before the cookie banner. Name your sub-processors (hosting, AI APIs, email tools). Plain language beats legalese every time.

6. Are your secrets kept out of the AI? Keep .env away from your coding tool

Don't share your .env file with your AI coding tool. Keep secrets separate — or swap to real values manually before launch.

Section 11

Two Shortcuts to MVP

Some wheels aren't worth reinventing. Two shortcuts that save weeks of work.

PostProxy

One API connects you to Instagram, TikTok, LinkedIn, Facebook, and X. No per-platform OAuth, no quirks. You pay them; they handle the messy parts.

Progressive Web Apps (PWAs)

A web app that installs to a phone's home screen from the browser. Feels native. No app store, no native code, no store review. One codebase. For most small-business products, this is enough to launch.

Need help getting started with AI?

Get in touch