Intercom charges for Fin per outcome: $0.99 for each billable outcome, that is when the customer confirms they were helped, when they ask nothing further after Fin's answer, or when Fin completes a workflow, handover to a human included. A conversation is charged once. On top of that come seats, starting at $29 per month on the Essential plan.
Widgeto charges a subscription: €29 per month for the Starter plan, with 4,000 messages included. The price stays the same whether the chatbot answers ten people or a thousand, as long as you stay inside the plan.
The point where the two models cross takes one line to calculate. With one Essential seat, Intercom's monthly bill is $29 plus $0.99 times the billable outcomes for the month. At a few dozen outcomes that bill stays close to the price of the seat; at a few hundred it is already a multiple, and it keeps rising linearly. On Widgeto the same curve is flat up to the plan ceiling, then takes a step: €79 on Growth, €179 on Pro.
Translated: below a certain volume Intercom costs less, and we say so plainly. The reasoning changes once the chatbot starts doing real work, because that is exactly when the per-outcome line grows. Do the arithmetic on your numbers: take the outcomes you expect in a month and multiply.
To estimate how many requests would close without a human stepping in, the calculator starts from the questions you get today and gives you the monthly volume to use in that multiplication. Open the calculator.