If your computer is 64bit capable then if you buy, say, Windows 7 and it has BOTH 32 bit and 64 bit versions on it then yes it's free. You would have to contact Microsoft to see if you would have to pay to upgrade from a 32bit version W7 to a 64bit version.
You have to find out if the computer is capable of supporting a 64bit OS. if it isn't then you'll have to buy a new computer or replace the mother board and you would still have to have a 64bit OS to use it to it's full potential.
Apple's MacOS and computers from 2006 up are already 64 bit capable.
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