Cell-free massive multi-input multi-output (MIMO) has recently gained a lot of attention due to its high potential in sixth-generation (6G) wireless systems. The goal of this paper is to first present a unified modeling for massive MIMO, encompassing both cellular and cell-free architectures with a variable number of antennas per access point. We derive signal transmission models and achievable spectral efficiency in both the downlink and uplink using zero-forcing and maximal-ratio schemes. We also provide performance comparisons in terms of per-user and sum spectral efficiency.