# Free Phone Tools for Small Businesses

Source: https://insertchat.com/tools

> Free phone tools for small businesses: price your missed calls, compare receptionist and answering service costs, and write the greeting callers hear.

InsertChat’s free tools help small businesses decide how to answer the phone. The missed call calculator estimates the revenue unanswered calls put at risk, the receptionist cost calculator compares staff, an answering service, and an AI receptionist, and the greeting generator writes copy-ready scripts. Every tool runs in your browser.

## Tools

- [Missed call calculator](https://insertchat.com/tools/missed-call-calculator): Estimate the bookings and revenue that ring out each month from calls your team can’t answer.
- [Receptionist cost calculator](https://insertchat.com/tools/receptionist-cost-calculator): Compare a hired receptionist, a human answering service, and InsertChat’s AI receptionist, and see which plan fits your calls.
- [Phone greeting generator](https://insertchat.com/tools/phone-greeting-generator): Write main, after-hours, holiday, and busy greetings for your business line, plus an AI receptionist greeting.

## Use them in order

1. **Measure the leak.** Start with your call log. The missed call calculator turns your missed-call rate into jobs and revenue each month.
2. **Price the fix.** Compare a hired receptionist, a human answering service, and InsertChat for your call volume, with every source linked.
3. **Decide what callers hear.** Write the greetings for open hours, after hours, holidays, and busy times, and an AI receptionist greeting.

## Are these tools really free?

Yes. All three are free to use with no signup or email address. They run in your browser, and the greeting generator builds scripts from templates instead of calling an AI model.

## Where do the default numbers come from?

Defaults are examples to replace with your own. The receptionist wage and overhead come from the U.S. Bureau of Labor Statistics, the answering service plans from Ruby’s public pricing page, and InsertChat plans from our pricing page. Each source is linked on the tool page with the date we checked it.

## Is a calculator result a quote?

No. Results are estimates from the numbers you enter. InsertChat’s credit use depends on your AI model, call length, and setup, and other providers set their own terms. Check each provider’s current pricing before you decide.

## How do I stop missing calls?

Route the calls you can’t answer to an AI receptionist. InsertChat answers from your business knowledge, books appointments, and hands conversations to your team in one inbox. Keep your US or Canada number by forwarding it. Try Pro free for 7 days with 500 credits.