How to access Keyword Planner without spending on ads
Create a Google Ads account at ads.google.com. During setup, click 'Switch to Expert Mode' rather than guided setup. Skip the campaign creation step. Then access Tools → Planning → Keyword Planner. You now have full Keyword Planner access without spending any money on ads.
Note: if you accidentally set up a campaign during account creation, pause it immediately. Active but paused campaigns do not bill but do allow Keyword Planner access.