Published rate ≠ identical service
We use public U.S. monthly rates checked on September 27, 2026. Vendor links are provided beside their numbers. Enterprise negotiations, annual discounts, promotional credits and free trials are excluded. Quotes and current provider terms take precedence.
Same volume, explicit configurations
The calculator uses elapsed AI minutes, one local number and no post-transfer time. Bland is modeled at its bundled Start rate with telephony at pass-through and its included inbound number; its Build plan is selected above 3,000 estimated calls in a 30-day month, or when the usage discount offsets its base fee. Peaks can force an earlier upgrade. Retell, Telnyx, Vapi and ElevenLabs use the configurations stated in the table; Rosie, Smith.ai, Quo Sona and Goodcall take the cheapest published package covering the estimated calls. Voice platforms also carry the build-and-upkeep hours set in the calculator, which no provider charges and which you can set to zero. These do not use identical models.
Rosie shows the smallest advertised allowance covering the selected volume; unverified overages are not invented. Goodcall uses your estimated unique callers and the lowest priced tier including its $0.50 overage. Different feature or concurrency requirements may change which tier you need.
How PhoneShield’s allowance affects savings
PhoneShield charges $29.99 a month plus $0.12 for each Nora minute beyond the 150 included. The calculator takes every minute of every call and bills Bland for all of them; PhoneShield meters only the share that reaches Nora, set to the 35% measured on the pilot and adjustable. Screening, scam refusals, messages and calls that ring you are never billed. At 300 minutes of calls, PhoneShield is $29.99 and the modeled Bland Start bill is $44.55. At 900 minutes, the bills are $49.79 and $133.65. In this configuration, PhoneShield becomes less expensive at about 202 minutes of calls. The headline example uses three-minute calls spread across 30 days; other carriers or contracts can change the comparison.
What would a direct GPT-Live build cost?
Our planning baseline is $0.075/min: $0.05 voice, $0.0129 Twilio inbound plus Media Streams, a $0.005 backend allowance, and $0.0071 contingency. Add $25/month hosting and a $1.15 number. At 900 minutes, that is about $93.65 before development, maintenance and support labor. Twilio rates ↗ OpenAI rates ↗
That is a modeled Twilio streaming route, not a measured invoice for our Telnyx SIP pilot. Using Telnyx as the carrier does not require buying its bundled Kimi assistant. A Telnyx + GPT-Live route needs its own voice, backend and applicable call-leg costs; it is not the $0.0564 Kimi configuration.
What is outside the calculator?
Taxes, your existing phone bill and forwarding fees, SMS, recording add-ons, toll-free or international calls, human backup, custom integrations, and labor. We do not infer competitor profit margins from their retail prices.