Accounting, invoicing, and reporting are free forever. Add operational tools only when you need them.
Book a 30-minute 1-on-1 session. We’ll show you how Encarmo replaces your existing software stack with zero data loss.
No limits on invoices, users, or bank sync. We charge only when you need operational add-ons.
“Moving our billing and inventory to Encarmo saved us $1,800 a month and completely stopped reconciliation errors.”
Accounting, billing, inventory, sales, HR, payroll, scheduling, and reporting, all built on one shared ledger instead of stitched together with integrations. Start with accounting and billing for free. Try any other product free for 14 days.
Accounting and invoicing cost nothing, for as long as you use them, with unlimited invoices and unlimited users. Add a module the day you need it, drop it the day you don't. Every module is priced flat, once, no matter how many people on your team use it.
Every product is real and usable on its own, and stronger combined. Click any card for the full breakdown.
Real double-entry books. P&L, balance sheet, cash flow, bank reconciliation, automatically.
Explore free accounting software →Unlimited invoices, no per-document fees. Auto-reminders, payment links, e-invoicing in 40+ jurisdictions.
Explore free invoicing software →Multi-warehouse stock, barcodes, batch tracking. COGS posts to the ledger live on every sale.
Explore inventory management →Pipelines, lead capture, contact management. A lead becomes the invoice, same record.
Explore sales CRM & pipelines →Directory, leave and PTO, onboarding, documents. Reads the same employee record Payroll uses.
Explore HR management software →Runs payroll across 40+ jurisdictions. Journal entries post automatically.
Explore multi-country payroll →Booking pages, team calendars, reminders. From booked appointment to sent invoice in one flow.
Explore appointment scheduling →Custom dashboards across every product you run. One query, every data source.
Explore business dashboards & reports →Invoice financing and lines of credit, underwritten live from your ledger.
Explore invoice financing & capital →A two minute walkthrough, from sending your first invoice to running your first payroll, all inside the same dashboard.
A sale in the CRM, a stock movement in Inventory, and a payroll run all post to the same books in real time. There's no nightly sync and no “integration broke” mornings to deal with.
A 10-person team running the equivalent stack with best-in-class point solutions, versus the same team on Encarmo. Public pricing, March 2026.
a year saved by running one platform instead of eight, before counting the hours a team spends reconciling them.
See pricing breakdownCompetitor figures are public list prices as of March 2026.
An agency uses Encarmo differently than a clinic or a construction site. Pick yours below to see the setup and the day to day workflow.
Capture leads in the CRM, convert them with a quote, kick off the project with invoicing, manage your team’s time and leave in HR, run payroll on the 28th — all from the same login, with one set of clients and one set of books.
13 dedicated interactive tools and calculators built for small business operators, each designed to solve one operational task in seconds.
Professional PDF invoices in 30 seconds with live tax calculation.
Open generator →Classified balance sheet builder with auto-calculated balance checks.
Open builder →Gross-to-net payroll estimation with statutory tax withholdings.
Open calculator →Find the exact sales volume where you stop losing money.
Open calculator →We wrote these ourselves. We say where the other tool wins. You make the call.
QuickBooks is still the name every accountant knows. But it has no HR, no payroll outside the US, and it charges per user.
Read comparisonXero gives you unlimited users, which is rare. But you’ll still need Gusto for payroll, BambooHR for HR, and HubSpot for the CRM. That’s four tools again.
Read comparisonFreshBooks has the cleanest invoicing screen in the category. It also caps how many clients you can bill and doesn’t go deep on accounting.
Read comparisonZoho One bundles more than 45 apps. That breadth is real, and so is the fragmentation. One product against forty five is a different kind of choice.
Read comparisonMigrated from QuickBooks in 40 minutes. My CPA reviewed the books on day three and said this is built right.
Across the platforms where buyers research SaaS before signing up — verified, unedited, voluntarily submitted.
“Migrated from QuickBooks in 40 minutes. My CPA reviewed the books on day three and said this is built right.”
“COGS posts itself the moment we sell. No more month-end surprises on margin across our 4 warehouses.”
“One dashboard, eight data sources. We stopped exporting to Excel to build board decks. Genuinely saved a day a month.”
See our customer case studies
Every plan includes unlimited users. No per-seat fees, no per-client caps.
Core accounting and invoicing. Free forever with unlimited users.
Accounting + CRM + Invoicing designed for professional services agencies.
Accounting + Payroll + Scheduling bundle tailored for hospitality.
Best for growing businesses needing stock control, CRM, and scheduling.
Complete ERP operations including HR, Payroll, Inventory, CRM, and Reports.
Prefer to pick? Build your own stack with any single module from $9 a month.
Guides on payroll, tax, invoicing and running a leaner back office. No filler, written for people who actually have to do this.
Our editorial team is crafting actionable, research-backed guides on payroll compliance, double-entry bookkeeping, invoicing automation, and tool consolidation. No filler, written for founders and operators who actually do the work.
Read customer case studies in the meantime →See how agencies, contractors, restaurants, and retail teams consolidated their back office and eliminated multi-app subscription sprawl.
View customer stories →Explore standalone tools including invoice generators, gross margin estimators, and payroll tax calculators built for business operators.
Try free tools →Every product, including the free ones, runs on the same security infrastructure.
Honest answers, no marketing fluff. Anything else, our team responds in under 2 hours during weekdays.
support@encarmo.comOne product. Every product reads and writes to the same general ledger and the same customer or employee records. There’s no nightly sync and no integration breaking overnight. A sale in the CRM, a stock movement in Inventory, and a payroll run all post to the same books in real time.
No. Accounting and Billing & Invoicing are free forever and cover the core of running a business. Add Inventory, Sales CRM, HR, Payroll, Scheduling, or Reports & Analytics only when you need them, each with its own 14-day free trial.
No. Every product is priced flat, once, no matter how many people on your team use it. Every plan includes unlimited users.
No. None of the 14-day trials require a card to start. A card is only requested if you choose to continue on a paid plan once the trial ends.
If you add a card and continue, that product becomes a paid subscription and billing continues each cycle until you cancel, whether that’s after one month or several years. If you don’t add a card, the trial simply ends and you keep using the free products.
Yes. There’s no fixed minimum term. Cancel whenever you want and you won’t be billed for the next cycle.
No. Once a paid subscription is purchased, it isn’t refunded, since access to the product has already been provided. You can cancel anytime to stop future billing.
Every product, including the free ones, runs on the same security infrastructure: SOC 2 Type II, ISO 27001, PCI DSS Level 1, GDPR with EU data residency, TLS 1.3 in transit and AES-256 encryption at rest.
Accounting and Billing are free forever. Add the rest only when your business actually needs them, each with a 14-day free trial and no card required to start.
