You need a Claude account, and any plan works, including Free. No Anthropic API key is needed either way. Your existing Claude subscription does the thinking, so there is no second bill from the API.
The US$950 starter tier delivers a local MCP server: a one-file install that sits on your own computers alongside Claude, and it works in Claude Desktop, Claude Code and Cursor. Because it runs on hardware you already own, there is no server to rent and no hosting bill for this shape at all.
Reaching that same tool from the Claude web and mobile apps takes a remote custom connector instead. A remote connector has to answer requests from the public internet, which means it needs a server, and a server is a bill every month. We quote that separately and it is not part of the US$950 starter tier. Remote connectors work on Free, Pro, Max, Team and Enterprise, and this is where the plan starts to matter: Free allows one, and paid plans allow several.
On pricing, as of July 2026 Anthropic lists Claude Pro at US$20 per month billed monthly, or US$17 per month on an annual subscription, and Claude Team at US$20 per standard seat per month on an annual plan. Those are Anthropic's terms and they change, so check with Anthropic before you decide. One wrinkle on the bigger plans: on Team or Enterprise it is the organization's Owner who adds the connector, and each member then signs in with their own account.