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Which model should I use? The one-page answer

ChatGPT and Claude both have a model menu and neither explains it. The only distinction that matters day to day, and the three-line rule I use to pick.

By Nick

2 min read

AI Basics Beginner
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Before you start

Open ChatGPT or Claude and there is a little menu of model names that look like serial numbers. Ignore the names. There are really only three kinds, and the app usually labels them.

Fast. Answers instantly. Fine for rewriting, summarising, quick questions, drafts, and almost everything you do in a day.

Careful. Pauses to think before replying. Better at maths, planning, tricky code, anything with several steps where a wrong early move ruins the rest. Slower, and it uses more of your limit per question.

Cheap. The small ones: Mini, Flash, Haiku and friends. Nearly as good as Fast on everyday text, much better at not eating your allowance. The right choice for anything an agent runs on a schedule.

The three-line rule

  1. Start on Fast, or Auto if the app has it.
  2. Switch to Careful when the question has steps, numbers or consequences.
  3. Switch to Cheap when you are about to do the same small thing fifty times.

That is it. I have never regretted following it and I have often regretted ignoring line 2.

When you are not sure

Ask the model you are already talking to. It is surprisingly honest about this.

Before you answer: is this question better suited to a fast model or a model that reasons
step by step? Answer in one line, then answer the question itself with whatever care it
needs.
Example reply (trimmed). Your app will word it differently.

Which of two phone plans is cheaper this year? plus the prompt above

Better suited to a model that reasons step by step, because the numbers have to add up. Here is the working:

  • Plan A: $25 a month, so $300 for the year.
  • Plan B: $10 a month plus a $120 setup fee, so $240 for the year.

Plan B is cheaper by $60 this year.

If it says “this needs careful reasoning” more than once in a session, move to the careful model for that job and stop asking.

The names will have changed by the time you read this. The three kinds will not.

Common questions

Is the most expensive model always the best?

It is usually the most capable on hard problems. For rewriting an email, it is slower, costs more of your limit, and the answer is the same.

What is a reasoning model?

One that thinks for a while before answering, which you see as a pause. Great for maths, logic, planning and code. Pointless for a quick rewrite.

Should I just leave it on Auto?

For a while, yes. Auto is a sensible default. Switch by hand when you notice an answer was too shallow for a hard question or too slow for an easy one.

What to do next

Related reading

Last reviewed 9 October 2026 by Nick.

Software changes fast. If something here is out of date, tell me and I'll fix it.

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