Assumptions and limits
This model is deliberately narrow. It values time and direct cost only. It does not price quality improvement, customer satisfaction, risk reduction or revenue lift, because those need evidence from your own operation.
Adoption is the most common source of error. A system that works in a pilot rarely hits its full share on day one. For planning, assume a ramp and test the conservative case.
The model also ignores integration difficulty. Two systems with the same name can differ enormously in effort. List each integration and its owner before you commit budget.
Finally, the figures are not a quote. They are a planning tool. Use them to frame a conversation, then get a scoped proposal based on your actual systems and workflows.
Questions about AI Agent Build vs Buy Tool
When does building an AI agent make sense?
Build when the workflow is core, complex, long-lived and poorly served by generic platforms.
If the task is unique to your operation, a custom agent can fit the process exactly. If a platform already does 80% of the job, buying is usually faster and cheaper.
What is the capability penalty?
The model adds cost when internal capability is low, because someone must maintain, monitor and improve the agent.
Low capability does not make a custom build impossible. It means you need a partner or a training plan, and that cost should be visible in the decision.
Why amortise build over 24 months?
Agents are longer-lived than a single campaign. Two years is a conservative planning window.
If you expect the workflow to change materially within a year, the build case weakens. Flexibility is a real cost of custom work.
Does this include integration risk?
The model prices integration count but not integration difficulty.
Legacy systems, permission walls and data quality issues can turn a simple integration into a project. List each system and its owner before you commit.
How should I decide?
Score both routes on cost, control, speed to value and maintenance burden, then pick the one that matches your risk tolerance.
Cost is only one input. A platform may win on speed while a custom build wins on control. Name the trade-off you care about most before you choose.