Apple Foundation Models 3 vs GPT-6.1 Terra
Apple · US | OpenAI · US · Updated June 2026
Quick verdict
Pick Apple Foundation Models 3 for runs entirely on-device on iphone - no api call, no per-token cost, works offline or the 20b sparse 'core advanced' variant lifted on-device output quality from 23% to 46% user preference in apple's own testing versus the prior generation. Pick GPT-6.1 Terra for $1/$5 per million tokens (cached input $0.05) - half the price of gpt-6.1 sol and gpt-5.6 terra or terminal-bench 4.0 of 50.3% at maximum reasoning effort, versus 21.5% for gpt-5.6 terra (openai-reported). On a tight budget at scale, Apple Foundation Models 3 is the value pick.
Apple Foundation Models 3 (Apple) and GPT-6.1 Terra (OpenAI) are two of the models people most often weigh against each other in 2026. Apple Foundation Models 3 is apple's on-device model family - genuinely small context and no API access, but private, offline, and free to run on every iPhone. GPT-6.1 Terra is openAI's October 26, 2026 mid-tier model - a 1.05M-context, computer-use-capable GPT at $1/$5 per million tokens, half the price of its predecessor. They diverge most on price and context window — each quantified below from the models' real specs.
Key differences at a glance
- ▸Context window: GPT-6.1 Terra holds 256× more — 1.05M tokens (~1,575 pages) vs 4K (~6 pages). But effective recall usually fades long before the advertised ceiling, so the bigger number only helps if the model reasons over it.
- ▸Recency: GPT-6.1 Terra is the newer model by about 5 months (released October 26, 2026), usually meaning fresher training data and capabilities.
Side-by-side specs
| Spec | Apple Foundation Models 3 | GPT-6.1 Terra |
|---|---|---|
| Provider | Apple (US) | OpenAI (US) |
| Released | June 2026 | October 26, 2026 |
| Context window | 4K (~6 pages) | 1.05M tokens (~1,575 pages) |
| Price (in/out) | Not published | $1/$5 per 1M tokens |
| Open weight? | No — API only | No — API only |
| Modalities | text, image | text, image, code |
| SWE-Bench Verified | Not published | Not published |
| MRCR v2 @ 1M | Not published | Not published |
Who wins what
Runs entirely on-device on iPhone - no API call, no per-token cost, works offline
Apple Foundation Models 3
GPT-6.1 Terra is comparatively weak here — requests above 272K input tokens are billed at 2x input and 1.5x output for the whole request
The 20B sparse 'Core Advanced' variant lifted on-device output quality from 23% to 46% user preference in Apple's own testing versus the prior generation
Apple Foundation Models 3
Apple Foundation Models 3 lists the 20B sparse 'Core Advanced' variant lifted on-device output quality from 23% to 46% user preference in Apple's own testing versus the prior generation among its strengths; GPT-6.1 Terra does not.
Deep integration with iOS apps via the Foundation Models framework, now open to third-party LLM providers too
Apple Foundation Models 3
Apple Foundation Models 3 lists deep integration with iOS apps via the Foundation Models framework, now open to third-party LLM providers too among its strengths; GPT-6.1 Terra does not.
$1/$5 per million tokens (cached input $0.05) - half the price of GPT-6.1 Sol and GPT-5.6 Terra
GPT-6.1 Terra
Its 1.05M tokens window holds about 256× more than Apple Foundation Models 3's 4K in a single prompt.
Terminal-Bench 4.0 of 50.3% at maximum reasoning effort, versus 21.5% for GPT-5.6 Terra (OpenAI-reported)
GPT-6.1 Terra
Apple Foundation Models 3 is comparatively weak here — not comparable in raw capability to frontier cloud models - built for efficiency and privacy, not benchmark leadership
1.05M-token context with up to 128K output tokens, plus image input and computer use via the Responses API
GPT-6.1 Terra
Apple Foundation Models 3 is comparatively weak here — a genuinely small context window (about 4,096 tokens, shared between input and output) - far below cloud frontier models
Lowest cost at scale
Apple Foundation Models 3
Its weights are open, so at volume you pay for your own hardware instead of GPT-6.1 Terra's $1/$5 per 1M tokens.
Largest single-prompt input
GPT-6.1 Terra
Its 1.05M tokens window is about 256× larger than Apple Foundation Models 3's 4K, fitting roughly 1,575 pages in one prompt.
Which should you pick?
A cost-sensitive startup shipping high volume
→ Apple Foundation Models 3
At Not published it undercuts GPT-6.1 Terra, and on millions of tokens that margin decides the monthly bill.
Someone analysing very long documents or codebases
→ GPT-6.1 Terra
Larger 1.05M tokens window fits more in one prompt.
Anyone whose priority is runs entirely on-device on iphone - no api call, no per-token cost, works offline
→ Apple Foundation Models 3
It is specifically built for that.
Anyone whose priority is $1/$5 per million tokens (cached input $0.05) - half the price of gpt-6.1 sol and gpt-5.6 terra
→ GPT-6.1 Terra
That is its strongest area.
Apple Foundation Models 3: where it fits
Apple's on-device model family - genuinely small context and no API access, but private, offline, and free to run on every iPhone. Released June 2026 by Apple, it is built for runs entirely on-device on iPhone - no API call, no per-token cost, works offline, the 20B sparse 'Core Advanced' variant lifted on-device output quality from 23% to 46% user preference in Apple's own testing versus the prior generation, deep integration with iOS apps via the Foundation Models framework, now open to third-party LLM providers too, and zero marginal cost and strong privacy - nothing leaves the device.
Its trade-offs are real: a genuinely small context window (about 4,096 tokens, shared between input and output) - far below cloud frontier models, not comparable in raw capability to frontier cloud models - built for efficiency and privacy, not benchmark leadership, and no public API pricing since it isn't sold per-token - only usable within Apple's own platforms.
GPT-6.1 Terra: where it fits
OpenAI's October 26, 2026 mid-tier model - a 1.05M-context, computer-use-capable GPT at $1/$5 per million tokens, half the price of its predecessor. Released October 26, 2026 by OpenAI, it is built for $1/$5 per million tokens (cached input $0.05) - half the price of GPT-6.1 Sol and GPT-5.6 Terra, terminal-Bench 4.0 of 50.3% at maximum reasoning effort, versus 21.5% for GPT-5.6 Terra (OpenAI-reported), 1.05M-token context with up to 128K output tokens, plus image input and computer use via the Responses API, and error rate on OpenAI's hard-prompt set falls from 53.6% (GPT-5.6 Terra) to 16.7% at low effort and 4.3% at max effort.
Its trade-offs: openAI still positions Sol and Astra as the higher-capability choices for demanding coding problems, requests above 272K input tokens are billed at 2x input and 1.5x output for the whole request, closed weights and no fine-tuning support, and benchmark figures are vendor-reported; no SWE-bench Verified or MRCR numbers published. At $1 in / $5 out per million tokens, it sits in the budget price band.
The bottom line for this matchup
Apple Foundation Models 3 and GPT-6.1 Terra overlap enough that the right pick depends on your specific job. Apple Foundation Models 3 costs less per token; GPT-6.1 Terra holds the larger context; and each leads in its own area — Apple Foundation Models 3 for runs entirely on-device on iphone - no api call, no per-token cost, works offline, GPT-6.1 Terra for $1/$5 per million tokens (cached input $0.05) - half the price of gpt-6.1 sol and gpt-5.6 terra. Rather than crowning one, run the same hard task through both once and let the results decide.
Want both Apple Foundation Models 3 and GPT-6.1 Terra without two subscriptions? LumiChats gives you these plus 40+ models under one ₹69/day pass (about $1/day) — draft with one, cross-check with the other.
See pricingFrequently asked questions
Is Apple Foundation Models 3 or GPT-6.1 Terra better for coding?
Public SWE-Bench figures are not available for either model, so the honest test is your own repository — run an identical real bug through both. By design, Apple Foundation Models 3 leans toward runs entirely on-device on iphone - no api call, no per-token cost, works offline while GPT-6.1 Terra leans toward $1/$5 per million tokens (cached input $0.05) - half the price of gpt-6.1 sol and gpt-5.6 terra, and that positioning usually predicts which feels better on your codebase.
Which is cheaper, Apple Foundation Models 3 or GPT-6.1 Terra?
Apple Foundation Models 3 is cheaper — Not published vs $1/$5 per 1M tokens.
Which has the bigger context window?
GPT-6.1 Terra — 1.05M tokens vs 4K, about 256× larger. Useful only if the model actually reasons over the full window, which not all do.
Can I use both Apple Foundation Models 3 and GPT-6.1 Terra together?
Yes — a multi-model platform like LumiChats gives you Apple Foundation Models 3, GPT-6.1 Terra and 40+ others under one ₹69/day pass (about $1/day), so you can draft with one and cross-check with the other instead of buying two subscriptions.
Which is newer, Apple Foundation Models 3 or GPT-6.1 Terra?
GPT-6.1 Terra — released October 26, 2026, about 5 months after Apple Foundation Models 3.
Related comparisons
Specifications and benchmarks reflect publicly reported figures as of June 2026 and may change as providers release updates. Always verify on your own workload.