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AI receptionist vs answering service vs receptionist: cost calculator

The short answer

For most small businesses the monthly cost lands like this: voicemail is free but loses bookings, an AI receptionist is a flat monthly fee, an answering service is charged by the minute, and a receptionist is a salary. The order changes with call volume, so put your own numbers in above.
By Akaash, founder of FirstVoice

Last updated

Your numbers, four ways to answer the phone

Every call that reaches your business number.

min

Most receptionist calls run 2 to 4 minutes.

%

After hours, weekends, or while you're with a customer.

$
Your comparison numbers
$

Use the rate you've been quoted.

$
hrs

A fully covered phone is about 45 hours.

Monthly cost of each way of answering your calls
OptionA month
FirstVoice Growth600 minutes included$597
Human answering service360 minutes at $3 a minute$900
Part-time receptionist20 hours a week at $30 an hour, plus on-costs$3,118
VoicemailAbout 36 after-hours calls a month go unanswered$0

Voicemail is free, but at your numbers those unanswered calls are worth about $4,860 a month if 30% would have booked.

Answering service and wage figures are yours to set: put in the quote you've actually been given. FirstVoice prices are our published rates. This is an estimate, not a guarantee of results.

The four options, honestly

Every business answering its phone is choosing between four things. Each one wins in a different situation, and the calculator above is only useful if you know what it's comparing.

Voicemail

Free, and the most expensive option for anyone whose customers are choosing between three businesses. People needing a tradie, a dentist or a table tonight usually ring the next number rather than leave a message. If your work is booked weeks ahead and your customers know you, voicemail is genuinely fine.

A human answering service

Real people, usually charged by the minute with a monthly minimum. They handle upset and complicated callers better than any AI, and that matters more in some industries than others. The trade-offs business owners consistently report: quality varies with who picks up, you pay more at your busiest times, and messages can arrive with stale or thin detail.

An AI receptionist

A flat monthly fee for answering, booking and message-taking, with the same service at 2am as at 2pm and no queue when three people ring at once. It's weaker on unusual, emotional or drawn-out calls, which is why a way through to a person matters. The cost only makes sense if you're actually missing calls now.

Hiring a receptionist

The best option for a business where the phone is the relationship, and the most expensive one for cover outside business hours. Wages are only part of it: holidays, sick days, KiwiSaver, ACC and cover for breaks all add up, which is why the calculator adds a 20% loading.

How to read the result

The monthly number matters less than two other figures the calculator shows you. Cost per call answered is the fairest way to compare options with different pricing models. And the voicemail line is the one most owners haven't priced: not what answering costs, but what not answering costs.

If you want that second number properly, work it out from your own missed calls with the missed-call calculator, then come back here.

The mistake that makes all four options fail

Whatever you choose, it only pays off if someone acts on what it captures. The most common complaint from owners who tried an AI receptionist and gave up wasn't the AI: it was that captured leads sat until the next day, by which time the customer had booked elsewhere. Before you compare prices, decide who rings those people back, and how fast.

When you can skip all of this

  • Your phone rarely rings while you're busy.
  • Your customers already text or email you, and expect a reply tomorrow.
  • Your average job is small enough that one extra booking a month wouldn't cover the fee.

If two of those are true, keep your voicemail and spend the money somewhere else. If none of them are, work out which option covers the hours you're actually missing calls, then test it properly before you commit.

Frequently asked questions

How much does an AI receptionist cost in New Zealand?

FirstVoice is $297, $597 or $997 a month depending on the minutes you need, with setup included and no GST added. Self-serve tools you build yourself start under $100 a month. Managed services cost more because someone else does the building and the changes.

How do answering services charge?

Usually per minute or per call, often with a monthly minimum and a higher rate after hours. Ask what a 3-minute call costs in total, including any per-call connection fee, then put that rate into the calculator.

Is an AI receptionist cheaper than hiring someone?

Per hour of phone cover, usually yes, because it answers nights and weekends at the same price. A person is better value when calls need judgement, negotiation or a relationship, which is why many businesses use both.

What does the calculator assume?

It uses the numbers you type in. The only fixed parts are FirstVoice's published prices and overage rates, and a 20% loading on wages for leave, KiwiSaver, ACC and cover. The voicemail line assumes 30% of unanswered after-hours callers would have booked.

Want a straight answer on which plan fits your call volume?

Book a 30-minute call. We'll set up a sample receptionist for your business so you can ring it yourself.

From $297 a month · Setup included · Month-to-month · 7-day free trial