Is Intercom or LiveChat cheaper?

Intercom starts at $29 per seat per month (Essential), plus $0.99 per Fin resolution (free plan available). LiveChat starts at $19 per person per month billed annually ($25 monthly) on the Starter plan, limited to one user (14 days trial).

Intercom vs LiveChat

An independent, review-free comparison compiled by the SaaSTracker editorial team. Both products are profiled in full, and neither can pay for placement here.

The short answer

Editorial assessment

LiveChat compared with Intercom

Intercom has repositioned entirely around Fin, its AI agent, at $29 per seat plus $0.99 per resolution, and it is the more ambitious product: better AI, a stronger help centre, deeper product-tour and outbound tooling, and a much larger enterprise footprint. LiveChat is the more conservative purchase, cheaper per seat at Team than Intercom becomes once Fin resolutions are running, and built by a profitable public company rather than one that has repriced aggressively. The honest comparison is that Text's own AI Agent bills at the same $0.99 per resolution as Fin, so the AI economics are close; the difference is that Intercom sells it as one platform while Text sells it as a second product line. If AI deflection is the strategy, Intercom is the more coherent buy. If a well-built human chat operation with proactive campaigns is the strategy, LiveChat costs less and does it well.

Choose Intercom if

Product-led SaaS companies with an in-app user base, a decent help center, and enough repetitive question volume that a competent AI agent can absorb a large share of it. Intercom rewards teams whose support is high volume and reasonably well documented, and whose customers are already inside a web or mobile product where the Messenger can live.

Choose LiveChat if

Sales-led and support teams of roughly 3 to 50 agents that want a fast, dependable chat widget with proactive campaigns, real reporting, and a broad developer API, from a profitable public company with a twenty-year operating record, and that are comfortable paying a fixed per-agent price rather than chasing a usage meter.

Side by side

13 attributes

Attribute	Intercom	LiveChat
Category	Support	Support
Starting price	$29 per seat per month (Essential), plus $0.99 per Fin resolution (free plan available)	$19 per person per month billed annually ($25 monthly) on the Starter plan, limited to one user (14 days trial)
Pricing model	Per-seat subscription across three published tiers, plus outcome-based billing for the Fin AI agent at a flat rate per resolution, plus per-seat and per-month add-ons for Copilot, proactive messaging, and analysis, plus pay as you go channel charges.	Strictly per person per month, billed annually or monthly, with annual materially cheaper. There is no usage meter on the classic LiveChat plans and no free tier. The autonomous AI Agent is not included and is sold on Text's separate platform plans, metered by resolution. ChatBot, HelpDesk, and KnowledgeBase are separate subscriptions rather than modules of a LiveChat plan.
Free plan	No free plan. An Early Stage programme offers qualifying startups up to 93 percent off plus one year of Fin at no charge.	No
Free trial	14 days, no credit card required	14 days, no credit card required
Best for	Product-led SaaS companies with an in-app user base, a decent help center, and enough repetitive question volume that a competent AI agent can absorb a large share of it. Intercom rewards teams whose support is high volume and reasonably well documented, and whose customers are already inside a web or mobile product where the Messenger can live.	Sales-led and support teams of roughly 3 to 50 agents that want a fast, dependable chat widget with proactive campaigns, real reporting, and a broad developer API, from a profitable public company with a twenty-year operating record, and that are comfortable paying a fixed per-agent price rather than chasing a usage meter.
Setup time	A day for the basics: install the Messenger snippet, forward your support address, invite the team, and import or write help center articles. Getting Fin to a trustworthy answer rate takes longer, usually two to four weeks of watching its answers and fixing the underlying documentation.	A working widget takes under thirty minutes through a script tag or the Shopify, WordPress, Wix, Squarespace, or Webflow app. Getting to a properly configured deployment (groups, routing rules, chat limits, canned responses, targeted message campaigns, knowledge sources for reply suggestions, and reporting tags) realistically takes one to two weeks. Some verified reviewers describe initial setup as convoluted and difficult to get working correctly, so budget more than the marketing implies if your routing is non-trivial.
Learning curve	Moderate for agents, who mostly need an hour. Meaningful for the admin: Workflows, ticket types, custom attributes, and Fin content sources are a real configuration surface, and Intercom rewards someone owning it rather than nobody owning it.	Low for agents and moderate for administrators. The agent application is conventional and a new hire is productive within a day. The administrative surface is larger than most chat tools because of routing rules, groups, campaign targeting, and the reporting suite, and the two genuinely tricky parts are designing targeted message triggers that help rather than annoy, and understanding which capabilities live on which tier before you commit to a plan.
Platforms	Web app, iOS and Android agent apps, Web Messenger, iOS and Android Messenger SDKs, Browser extensions	Web application, Windows and macOS desktop apps, iOS and Android apps, Chat widget with native apps for Shopify, WordPress, Wix, Squarespace, and Webflow
Compliance	SOC 2 Type 2, GDPR, HIPAA support on the Expert tier, ISO 27001	GDPR, as an EU company operating from Poland, HIPAA compliance offered on the Enterprise tier per the published pricing page, Formal SOC 2 or ISO 27001 attestation not verifiable from the vendor's own published pages at the time of review
Founded	2011	2002
Headquarters	San Francisco, California, United States, with a large office in Dublin, Ireland	Wrocław, Poland, with an office in Boston, Massachusetts
Ownership	Venture-backed and privately held; corporate entity renamed Fin in May 2026 with Intercom retained as the platform brand, and a definitive agreement for Salesforce to acquire the company for approximately $3.6 billion signed in June 2026 and not yet closed as of this review	Publicly listed on the Warsaw Stock Exchange as Text S.A. (ticker TXT, ISIN PLLVTSF00010), a WIG30 index component. Renamed from LiveChat Software S.A. in 2023.

Strengths and limitations

Intercom

Strengths

Fin is the most mature AI support agent on the market and the per-resolution model only charges when it actually resolves, which is a fairer meter than charging per AI reply.
The Messenger carries real product context into the conversation, so agents see plan, usage, and event history without asking the customer to identify themselves.
The help center is good, supports a custom domain and multiple languages, and doubles as the knowledge source Fin reads, so investment in docs pays off twice.
The Workflows builder is a genuinely capable visual automation canvas rather than a list of if-then rules.

Limitations

The real cost is unpredictable by design. Support spend now tracks customer growth and deflection success rather than headcount, which breaks most small-business budgeting habits.
Essential is a deliberately hollow tier. No workflow automation, no round robin, no multiple inboxes, no SLAs, and no Lite seats means the honest entry price for a functioning help desk is $85 a seat, not $29.
SLA policies sit on the Expert tier at $132 a seat, which is an absurd height for a feature that Zoho Desk includes at $23 and Freshdesk at $55.
Copilot costs another $29 per agent per month after a token free allowance, so agent-facing AI is a third meter.

LiveChat

Strengths

Exceptional vendor stability: founded 2002, listed on the Warsaw Stock Exchange since April 2014, consistently profitable, with audited quarterly results and group ARR above $89.5 million as of mid-2026. Almost nothing else in this category can be diligenced that thoroughly.
The agent experience is genuinely refined after twenty years, with message sneak-peek, fast canned responses and tagging, chat supervision and whisper, transfer between groups, and per-agent concurrent chat limits all working the way an experienced chat team expects.
A complete developer platform available on standard plans rather than gated to enterprise: Customer SDK, webhooks, chat widget JavaScript API, chat APIs, configuration API, and a Reports API, alongside a marketplace of over 200 integrations.
Deeper reporting than most chat-first competitors, including ecommerce attribution, a per-conversation revenue counter in LiveChat 2.0, agent performance metrics, and Business-tier staffing prediction that forecasts required coverage by time slot.

Limitations

Strictly per-person billing with no shared licences. Multiple verified Capterra reviewers name this directly, one noting they now need a licence per user rather than a chosen number of licences shared across unlimited users as before. For a rota of part-time agents this is the single most expensive structural choice in the product.
The autonomous AI Agent is not included in LiveChat plans. Text's own AI page states it is not automatically included and that customers move to the Text platform to get it. Buyers comparing LiveChat against Intercom's Fin or Tidio's Lyro on the LiveChat pricing page are comparing the wrong thing.
The $19 Starter tier supports exactly one user and keeps only 60 days of chat history, so the advertised entry price is unavailable to any actual team. The step to Team at $49 is a 158 percent increase.
Repeated price increases are a recurring complaint in verified reviews, with one long-standing customer stating the price has increased dramatically over recent years and the tool is becoming less viable, and another that it is not affordable for small businesses. The September 2025 increase and the end of grandfathering are documented in Text's own investor communications.

Pricing compared

Intercom

Per-seat subscription across three published tiers, plus outcome-based billing for the Fin AI agent at a flat rate per resolution, plus per-seat and per-month add-ons for Copilot, proactive messaging, and analysis, plus pay as you go channel charges.

Essential$29
Advanced$85
Expert$132

Intercom is expensive and, for the right buyer, worth it. Fin is the best-known AI support agent in the category and the $0.99 outcome-based charge is honest in a way that per-message billing is not, because you pay for results rather than attempts. The problem is that the seat tiers are structured to make Essential look affordable while withholding workflow automation, round robin, multiple inboxes, SLAs, and Lite seats until $85 a seat. A four-person team that actually needs those things is at $340 a month in seats before Fin, before Copilot, and before proactive messaging. If your volume is high and your documentation is good, the AI economics work and Intercom is defensible. If your volume is low, you are paying a premium for a Messenger, and Zoho Desk or Freshdesk will give you more help desk for a fraction of the money.

LiveChat

Strictly per person per month, billed annually or monthly, with annual materially cheaper. There is no usage meter on the classic LiveChat plans and no free tier. The autonomous AI Agent is not included and is sold on Text's separate platform plans, metered by resolution. ChatBot, HelpDesk, and KnowledgeBase are separate subscriptions rather than modules of a LiveChat plan.

Starter$19
Team$49
Business$79
EnterpriseQuote

Judged as a live chat product on its own, LiveChat is fairly priced in the middle of the market: $49 per person on Team buys unlimited history, unlimited campaigns, full widget customisation, a broad channel set, and a developer API that several competitors reserve for their top tier. Judged as a customer support platform, the arithmetic is less kind. The $19 headline is a one-seat price, the real team entry is $49, ticketing and a help centre are separate subscriptions, the AI agent lives on a different product line, and SSO is quote-only. A five-agent team wanting chat, tickets, and AI deflection is realistically looking at a LiveChat or Text plan plus a HelpDesk plan plus resolution overage, which lands well above Crisp's flat $45 workspace fee and above what Zoho Desk or Freshdesk charge for a bundled equivalent. Buy LiveChat when chat itself is the point, when the reporting and API depth earn their keep, and when a twenty-year-old profitable public vendor is worth something to your procurement process. Do not buy it as the cheap option, because on total cost it is not.

Editorial verdict on each

Intercom

Innovation

Intercom is the clearest illustration of what has happened to customer support pricing, and the company renaming itself after its AI agent removes any doubt about where its attention sits. Fin is very good, and $0.99 to make a ticket disappear is cheap measured against a support hour. But the per-seat tiers are engineered so that Essential at $29 looks affordable while withholding automation, routing, multiple inboxes, SLAs, and Lite seats until $85, and every meaningful capability beyond the inbox is a separate meter: Copilot, proactive messaging, analytics, and every channel that is not email. Buy Intercom if you are a product-led SaaS company with high volume, good documentation, and a genuine deflection opportunity, and build the resolution spreadsheet before the trial ends. If your volume is modest or your budget needs to be predictable, Freshdesk, Zoho Desk, or Help Scout will serve you better for a fraction of the money.

Read the full Intercom profile

LiveChat

LiveChat is the most institutionally solid product in small-business live chat, and that is both its argument and its limitation. Twenty-four years of continuous development, a Warsaw Stock Exchange listing with audited quarterly results, consistent profitability, and $89.5 million of group ARR make it the easiest vendor in this category to diligence, and the product earns the reputation: the agent experience is refined, the proactive campaign tooling is genuinely good for sales-led chat, the reporting goes deeper than chat-first rivals attempt, and the developer platform is open on standard plans rather than held hostage to an enterprise contract. What holds it back is commercial structure rather than craft. The $19 headline buys one seat, the real team price is $49 per person, ticketing and a help centre are separate subscriptions, the autonomous AI agent lives on a different product line entirely, SSO and HIPAA are quote-only, and price rises plus the end of grandfathering are a live grievance in verified reviews. Buy LiveChat when chat itself is a staffed, measured function, when reporting and API depth pay for themselves, and when vendor stability is worth a premium. If you want a bundled support stack, a free tier, or AI deflection as the centrepiece, the better answers in this category are elsewhere.

Read the full LiveChat profile

Intercom profile last reviewed 2026-08-22; LiveChat last reviewed 2026-08-30. Pricing is compiled from public sources and can change without notice. See our methodology.