# Rosie vs Smith.ai: AI Receptionist Pricing

Source: https://insertchat.com/compare/rosie-vs-smith-ai

> Rosie’s minute bundles from $49 against Smith.ai’s per-call AI receptionist with a free plan and human backup.

Rosie suits phone-first businesses that want many AI minutes for a low monthly price. Smith.ai suits businesses that want to start free, pay per call, and keep human agents as backup. InsertChat is the stronger third option for one AI front desk across calls, website chat, email, SMS, and WhatsApp, from $98 per month.

Rosie details checked on October 13, 2026 from [Rosie’s public pricing page](https://heyrosie.com/pricing); Smith.ai details checked on October 13, 2026 from [Smith.ai’s public pricing page](https://smith.ai/pricing/ai-receptionist). Prices are in USD as listed; vendors change plans, so confirm current terms with each linked source.

## Rosie vs Smith.ai vs InsertChat at a glance

| Compared | Rosie | Smith.ai | InsertChat |
| --- | --- | --- | --- |
| Pricing model | Professional $49, Scale $149, or Growth $299 a month by included minutes; annual billing gives 2 months free ([source](https://heyrosie.com/pricing)) | Free, Pro, and Enterprise plans priced by calls per month ([source](https://smith.ai/pricing/ai-receptionist)) | Pro, Growth, Scale, and Enterprise plans with monthly AI credits included. Annual billing costs ten monthly payments, paid upfront. ([details](https://insertchat.com/pricing)) |
| What is metered | Call minutes (250, 1,000, or 2,000 a month); the website texting add-on counts conversations ([source](https://heyrosie.com/pricing)) | Calls: $1.60 to $2.00 per included call on paid tiers; extra calls cost $3.00 on Free and $2.10 to $2.50 on paid tiers ([source](https://smith.ai/pricing/ai-receptionist)) | AI credits from one monthly allowance. Use depends on the model, conversation length, knowledge processing, and tools; calls round up to whole minutes. ([details](https://insertchat.com/pricing#channel-costs)) |
| Channels | Phone calls and a website chat widget on every plan, texts to callers, and website texting as an add-on ([source](https://heyrosie.com/pricing)) | AI call answering; custom SMS branding on Pro ([source](https://smith.ai/pricing/ai-receptionist)) | Website chat, phone, email, SMS, and WhatsApp in one shared inbox ([details](https://insertchat.com/product/inbox)) |
| Human handoff | Warm and live call transfers from Scale; waterfall transfers on Growth ([source](https://heyrosie.com/pricing)) | Transfers calls to a live North America-based receptionist, day or night ([source](https://smith.ai/pricing/ai-receptionist)) | Your own team takes over in the shared inbox with the full conversation, on every plan ([details](https://insertchat.com/product/inbox)) |
| Knowledge sources | Your Google profile and website, custom FAQ answers, and uploaded documents on Growth ([source](https://heyrosie.com/pricing)) | Not verified | Website URLs, documents, questions and answers, audio and video files, and product information (1,000 sources on Pro) ([details](https://insertchat.com/product/knowledge)) |
| Booking | Texts appointment links on Professional; books directly on your calendar from Scale ([source](https://heyrosie.com/pricing)) | AI scheduling with Calendly and other calendars, from the Free plan ([source](https://smith.ai/pricing/ai-receptionist)) | Books into the built-in calendar, Google Calendar, Outlook, Calendly, or Cal.com, automatically or after your team’s approval ([details](https://insertchat.com/product/scheduling)) |
| Entry price | $49 a month for 250 minutes, with a 7-day free trial ([source](https://heyrosie.com/pricing)) | Free for 25 calls a month; Pro from $150 for 75 calls; Enterprise from $500 for 300 calls ([source](https://smith.ai/pricing/ai-receptionist)) | Pro at $98/month, or $81.67/month billed annually, with 5,000 credits, 3 assistants, and 3 seats ([details](https://insertchat.com/pricing)) |
| Notable limits | No minute overage rate is listed; website texting is $50 for 25 conversations, then $1 each ([source](https://heyrosie.com/pricing)) | Every answered call counts, with up to 10% removable as spam; cancelling takes 30 days’ notice ([source](https://smith.ai/pricing/ai-receptionist)) | Additional phone numbers, SMS, WhatsApp, and other connected services can carry their own charges; analytics and reports start on Scale ([details](https://insertchat.com/pricing#channel-costs)) |

“Not verified” means our check did not confirm this detail. Ask the vendor before deciding.

## How Rosie and Smith.ai compare

### 80 calls a month on each

Eighty calls at three minutes each is 240 minutes, which fits Rosie’s $49 bundle of 250. On Smith.ai, the free plan covers 25 calls and each extra call costs $3, so 80 calls would come to $165 on Free; its Pro plan starts at $150 for 75 to 300 calls. Short calls favor Rosie, while Smith.ai’s per-call price ignores call length. InsertChat Pro is $98 per month with 5,000 monthly AI credits.

[Estimate your InsertChat usage](https://insertchat.com/pricing#usage-estimate)

### What happens on hard calls

Smith.ai lists human-agent backup behind its AI Receptionist. Our check of Rosie’s pricing page did not confirm a handoff option. InsertChat flags conversations that need a person, emails your team, and keeps the transcript and AI summary in the shared inbox; it does not transfer live calls.

[Set up human handoff](https://insertchat.com/blog/set-up-human-handoff)

### Texts, email, and web

Rosie covers voice and SMS, with web chat through its $50 web texting add-on. Smith.ai adds SMS and email from Pro. InsertChat answers website chat, email, SMS, and WhatsApp alongside calls on every plan.

[How the shared inbox works](https://insertchat.com/product/inbox)

### Room to grow

Rosie’s largest listed bundle is 2,000 minutes for $299, and Smith.ai’s Enterprise plan starts at $500. InsertChat’s plans step up through Pro, Growth, Scale, and Enterprise, adding assistants, seats, and credits at each level.

[Compare InsertChat plans](https://insertchat.com/pricing)

## Rosie, Smith.ai, or InsertChat?

### Choose Rosie if

- You want 250 AI minutes for $49 a month.
- Your calls are short and frequent, which minute bundles reward.
- You only need web texting now and then, as an add-on.

### Choose Smith.ai if

- You want a free plan to start: 25 calls a month.
- Your calls run long, and you’d rather pay per call.
- You want human agents as backup to the AI.

### Choose InsertChat if

- You want website chat, email, and WhatsApp answered by the same assistant as your calls.
- You want 3 team seats and a shared inbox on your first plan.
- You want bookings in the built-in calendar, Google Calendar, Outlook, Calendly, or Cal.com, with reminders before the appointment.

## Compare each one with InsertChat

- [InsertChat vs Rosie](https://insertchat.com/alternatives/rosie): AI phone answering sold by the minute from $49, with a website chat widget on every plan.
- [InsertChat vs Smith.ai](https://insertchat.com/alternatives/smith-ai): AI receptionist billed per call, with a 25-call free plan and live-receptionist backup.
- [InsertChat pricing](https://insertchat.com/pricing): Pro, Growth, Scale, and Enterprise plans with monthly AI credits, from $98 per month, plus a usage estimator for your own call and chat volume.

## Is Rosie cheaper than Smith.ai?

For short calls, usually: Rosie lists 250 minutes for $49, 1,000 for $149, and 2,000 for $299. Smith.ai’s AI Receptionist is free for 25 calls, then $3 per call, with Pro from $150 for 75 to 300 calls. Long calls narrow the gap because Smith.ai charges per call. InsertChat Pro is $98 per month with 5,000 monthly AI credits for calls and messages.

## Does Rosie have human backup like Smith.ai?

Smith.ai’s pricing page lists human-agent backup for its AI Receptionist. Our check of Rosie’s pricing page did not confirm one. InsertChat routes conversations that need a person to your own team, in a shared inbox with the full transcript.

## Which one answers email?

Smith.ai lists SMS and email from its Pro plan, and Rosie’s pricing page lists voice and SMS plus web texting. InsertChat answers email as drafts or automatic replies, with topics you can hold back for your team.

## Other head-to-head comparisons

- [Smith.ai vs Ruby](https://insertchat.com/compare/smith-ai-vs-ruby): Smith.ai’s per-call AI receptionist with human backup, against Ruby’s human receptionists billed by the minute.
- [Posh vs Ruby](https://insertchat.com/compare/posh-vs-ruby): Two human receptionist services billed by the minute: Posh from $65 a month, Ruby from $250 for 50 minutes.
- [Abby Connect vs Ruby](https://insertchat.com/compare/abby-connect-vs-ruby): Receptionists plus an AI option priced in Abby Minutes, against Ruby’s human receptionists and chat agents.
- [Ruby vs PATLive](https://insertchat.com/compare/ruby-vs-patlive): Two human answering services billed by the minute: Ruby from $250 for 50, PATLive from $49 pay-as-you-go.
- [Goodcall vs Rosie](https://insertchat.com/compare/goodcall-vs-rosie): Goodcall prices per unique caller with unmetered minutes; Rosie sells minute bundles from $49 for 250.
- [Dialpad vs RingCentral](https://insertchat.com/compare/dialpad-vs-ringcentral): AI receptionists inside two phone platforms: Dialpad’s credit-based AI Agents and RingCentral’s per-minute add-on.
- [Nextiva vs RingCentral](https://insertchat.com/compare/nextiva-vs-ringcentral): Nextiva’s XBert at $99 for 100 resolutions against RingCentral’s AI Receptionist at $39–$49 with 100 minutes.
- [Quo Sona vs Dialpad](https://insertchat.com/compare/quo-sona-vs-dialpad): Quo’s Sona, billed per call with 10 a month included, against Dialpad’s credit-based AI receptionist.
- [Vapi vs Retell AI](https://insertchat.com/compare/vapi-vs-retell-ai): Two developer voice platforms billed per minute: Vapi’s $0.05 hosting plus providers, Retell’s $0.07–$0.31 range.
- [Bland AI vs Vapi](https://insertchat.com/compare/bland-ai-vs-vapi): Bland’s all-in per-minute talk time against Vapi’s $0.05 hosting fee plus providers at cost.
- [Retell AI vs Bland AI](https://insertchat.com/compare/retell-ai-vs-bland-ai): Retell’s per-second voice agents with chat and SMS, against Bland’s all-in talk time with Enterprise scheduling.
- [Voiceflow vs Botpress](https://insertchat.com/compare/voiceflow-vs-botpress): Two agent-building platforms: Voiceflow’s usage credits with business pricing on request, and Botpress’s conversation plans.
- [Chatbase vs CustomGPT.ai](https://insertchat.com/compare/chatbase-vs-customgpt): Chatbase’s message-credit plans from free, against CustomGPT.ai’s query-capped agents from $99.
- [Tidio vs Intercom](https://insertchat.com/compare/tidio-vs-intercom-fin): Tidio’s conversation-based plans with Lyro AI, against Intercom’s per-seat plans plus $0.99 per Fin outcome.
- [Intercom vs Zendesk](https://insertchat.com/compare/intercom-fin-vs-zendesk): Intercom’s seats plus $0.99 per Fin outcome, against Zendesk’s per-agent suites with included automated resolutions.
- [Crisp vs Tidio](https://insertchat.com/compare/crisp-vs-tidio): Crisp’s per-workspace plans with AI credits, against Tidio’s plans metered by human and Lyro AI conversations.
- [LiveChat vs Tidio](https://insertchat.com/compare/livechat-vs-tidio): LiveChat’s per-user Text plans with counted AI resolutions, against Tidio’s plans with a free tier and Lyro AI.
- [Zendesk vs Freshchat](https://insertchat.com/compare/zendesk-vs-freshchat): Zendesk’s per-agent suites with paid automated resolutions, against Freshchat’s per-agent plans with Freddy AI session packs.
- [Gorgias vs Zendesk](https://insertchat.com/compare/gorgias-vs-zendesk): Gorgias prices tickets and AI interactions for online stores; Zendesk prices agents and automated resolutions.