Kmita & Co.
Economics The new math of running a business

What an agent costs.
What the role costs.

Most of the cost stack you’re carrying — coordination, support, finance, content, even engineering — is now reachable by an agent built and operated correctly. Not all of it. Not the senior judgment, not the relationships, not the strategy. But the salary base around those things has collapsed by orders of magnitude. Below: what each role costs, and what the agent equivalent costs.

Personal example

My PA
coordinated a weekend in Italy. In Italian.

I asked my personal-assistant agent to plan a weekend trip to Italy. It coordinated directly with vineyards in Italian — tastings booked, transport organized, restaurants reserved. It knew my preferences, my calendar constraints, my budget. It synced with me only when judgment was needed.

A senior PA in London costs £60–90K/year loaded. Mine costs ~£25/month in tokens and infrastructure. It works 24/7, in any timezone, in (it turns out) any language I throw at it. I’m the bottleneck now — not the assistant.

Role by role. Number by number.

Loaded annual salary baselines (UK / US, mid-market) compared to the typical operating cost of a production-grade single-role agent. Numbers are illustrative — your business varies — but the order of magnitude doesn’t.

Role Traditional cost Agent cost Ratio
Personal Assistant / EA Calendars, inbox, travel, coordination, light research
£60–90K/yr
£300–600/yr
~150× cheaper
Customer Support Inbound triage, ticket resolution, escalation routing
£45–65K/yr
£360–900/yr
~80× cheaper
Bookkeeper / Accounting Ops Reconciliation, expense categorization, invoicing follow-up
£50–75K/yr
£300–700/yr
~120× cheaper
Fractional CFO / Finance Lead Monthly close, KPI reporting, cash-flow modeling, board prep
£80–150K/yr
£600–1,500/yr
~100× cheaper
Marketing Manager Calendar, scripts, asset production, content scheduling, copy
£70–100K/yr
£600–1,500/yr
~70× cheaper
Engineer (Mid-level) Feature build, testing, code review, ticket-driven delivery
£100–140K/yr
£1,200–3,000/yr
~50× cheaper
Tech Lead / Senior Engineer Architecture, code review, reliability, incident response
£140–180K/yr
£1,800–4,000/yr
~50× cheaper
Product Owner / PM Roadmap, backlog, prioritization, stakeholder coordination
£110–150K/yr
£600–1,500/yr
~100× cheaper

Methodology: traditional cost = loaded annual salary (US / UK mid-market). Agent cost = typical token + infrastructure + subscription cost for a single production-grade specialist agent built bespoke. Multiplier = midpoint ratio.

Caveat What the math doesn’t capture

Agents replace the salary stack,
not the judgment stack.

The comparison above is real, but it’s also reductive. Some things humans bring that agents don’t:

What agents won’t replace
  • Senior judgment on ambiguous calls
  • Long-term client relationships and trust
  • Strategic decisions about which problems to solve at all
  • Cultural and organizational change
  • The kinds of conversations that need human presence
What agents will replace
  • Routine coordination and scheduling
  • Triage, classification, and escalation routing
  • Reconciliation, reporting, and structured analysis
  • Content production at scale (not strategy)
  • Most engineering work that follows a spec
  • The salary stack that surrounded all of the above

The point isn’t to fire your team. The point is that the team you’d hire next year is now mostly a budget line item that no longer needs to scale linearly with your revenue. That’s the business-model shift. That’s why the math works.

Next If the math interests you

The math is the easy part. The build isn’t.

Knowing the multiplier exists doesn’t tell you which agent to build first, what scope is realistic for your stack, or how to ship something your team will actually use. That’s the work.