AI receptionist vs hiring a receptionist: cost calculator

What does it cost small businesses to answer the phone? A hired receptionist next to an AI phone tool, with the sources shown. No email needed.

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Short answer: For small businesses, a full-time receptionist at the U.S. median wage ($18.27 an hour, BLS) costs about $3,167 a month in wages alone, before taxes and benefits. AI phone tools in our directory list plans from about $85 to $150 a month. Enter your own numbers to compare.

U.S. median, May 2025: BLS. Pay where you live may be higher or lower.

40 is one full-time person. Nights and weekends would need more hours.

Average for full-time private-sector workers, June 2026: BLS. A small business may pay less (fewer benefits) or more.

From your phone’s call log.

Many AI plans charge by the minute or the call.

Your number, from the maker’s pricing page. Example: $150 is Smith.ai Pro as shown in our listing.

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How the math works

Where the starting numbers come from

Questions people ask

How much does a receptionist cost a small business?

Start with pay: the U.S. median for receptionists was $18.27 an hour in May 2025 (BLS). Full time, that is about $3,167 a month in wages. Taxes and benefits add more; across full-time private-sector jobs they averaged about 46% on top of wages in June 2026 (BLS).

Is an AI receptionist always cheaper?

Usually on the monthly bill, but check what the plan includes. Many plans cap calls or minutes and charge for extra. Some charge setup fees. Use your own call count and the maker's pricing page.

Can an AI receptionist replace a person?

Not for everything. A person greets walk-ins, handles upset callers and does office work. Many small businesses use AI for the phone and keep people for the rest. This calculator only compares phone cost.

Is this calculator free?

Yes. It runs in your browser and asks for no email. The phone tools it mentions are paid products from each maker, though some have a free plan or trial.

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