Stop paying for five tools.
Run your business on one.
Invoicing, accounting, HR, payroll, inventory, CRM, and scheduling — seven modules, one product. Start free with accounting and invoicing. Add the rest only when you need them. Unlimited users, every plan.
Your business runs on five different bills.
Four logins, four support teams, and one big spreadsheet to glue it all together. Here's the honest math.
$309/month
- QuickBooks — accounting + invoicing, $60/mo per user
- Gusto — payroll + benefits, $80/mo + per person
- BambooHR — HR + leave tracking, $108/mo · 10 employees
- HubSpot — CRM + pipelines, $45/mo per seat
- Calendly — appointment booking, $16/mo per user
$69/month
- Accounting — full ledger, reports, multi-currency
- Invoicing — unlimited invoices, e-invoicing compliance
- Payroll, HR, Inventory, CRM & Scheduling — all included
- One login, one customer database, one calendar
- Unlimited users — no per-seat tax, ever
Why teams switch
- One product, not 45 apps. Every module shares one ledger, one customer database, one calendar. No exports, no syncs, no broken integrations at 2am.
- Pay only for what you use. Start with free accounting and invoicing. Add payroll when you hire. Add CRM when sales gets serious. Drop modules anytime.
- Unlimited users on every plan. Add your accountant, your team, your partner — no per-seat tax. The way it should have always been.
Every job a small business has, covered.
Each module is a full product on its own. Combined, they replace your entire SaaS stack.
Accounting
Double-entry ledger, P&L, balance sheet, bank reconciliation. The full accounting brain, free for life.
Free foreverBilling & Invoicing
Send unlimited invoices, quotes, and receipts. Auto-reminders, online payments, e-invoicing compliance worldwide.
$12/moInventory
Track stock across multiple warehouses. Barcodes, batch tracking, reorder alerts, automatic COGS.
$14/moSales & CRM
Pipelines, lead capture forms, contact management. Lead lands here, invoice goes out from the same record.
$15/moHR
Employee directory, leave tracking, onboarding, document storage. Everything modern HR teams need, built in.
$19/moPayroll
Run payroll for any team size. Tax calculations, payslips, contractor payments, multi-country support.
$9/moCalendar & Scheduling
Booking pages, team calendars, appointment reminders. From client booking to invoice, one flow.
$10/moReports & Analytics
Deep financial analytics, cash flow forecasting, executive dashboards, and exportable business intelligence.
Take-rateCapital
Working capital and invoice financing, underwritten from your real ledger. Funds in minutes, no paperwork.
See Encarmo in action.
From your first invoice to your first payroll run — a two-minute tour of the seven modules working as one product.
Pick your industry. We'll show you which modules fit.
Each industry uses a different combination of modules. Click any tab to see the recommended setup and real workflow.
Run your agency from pitch to payroll,
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.
Try us with zero commitment.
Twelve free generators and calculators. Each one solves a real problem in under 30 seconds.
Already using something else? Here's the honest comparison.
We wrote these comparisons ourselves. We list what they do better. We list what we do better. You decide.
Encarmo vs QuickBooks
QuickBooks is the king of accounting. But it has no HR, no native payroll outside the US, and charges per user.
Read comparison →Encarmo vs Xero
Xero offers unlimited users. Great. But add Gusto for payroll, BambooHR for HR, HubSpot for CRM, and you’re at four tools.
Read comparison →Encarmo vs FreshBooks
FreshBooks has the best invoicing UX in the category. But it caps clients per tier and has no real accounting depth.
Read comparison →Encarmo vs Zoho One
Zoho One bundles 45+ apps. The breadth is real. The fragmentation is real too. One product vs forty-five.
Read comparison →We were paying for QuickBooks, Gusto, BambooHR, and Calendly. Four logins, four bills, two integration nightmares. Encarmo replaced all of it. Saved $3,400 a year and the books reconcile themselves.
Reviewed where it actually counts.
Across the platforms where buyers research SaaS before signing up — verified, unedited, voluntarily submitted.
“After 4 years on Xero plus Gusto plus a separate CRM, switching to Encarmo cut our monthly bill by 60% and removed about 8 hours a month of reconciliation work.”
“I run a small clinic with 6 staff. The scheduling-to-invoicing flow is genuinely magic — patient books, gets reminders, gets invoiced, all from the same record.”
“We import from 3 continents and bill in 6 currencies. Encarmo handles all of it cleanly. Support actually responds in hours, not days.”
“I’m a solo consultant. Free accounting plus free invoicing is the most generous tier I’ve seen anywhere. When I hired my first VA, I added the CRM module for $14/month.”
Start free. Add modules as you grow.
Every plan includes unlimited users. No per-seat fees, no per-client caps, no surprises.
Accounting and invoicing. For solo founders and freelancers starting out.
- ✓Full accounting + GL
- ✓Unlimited invoices
- ✓Unlimited users
- ✓1 business entity
Free tier plus any one paid module: HR, CRM, scheduling, payroll, or inventory.
- ✓Everything in Free
- ✓1 paid module of choice
- ✓Unlimited employees
- ✓Drop or switch anytime
Bundle 5 modules with 15% discount. The sweet spot for growing teams.
- ✓5 core & ops modules
- ✓Unlimited team members
- ✓Full CRM & scheduling pipeline
- ✓Priority support
Full operational stack with 20% discount. Everything Encarmo offers at a single flat rate.
- ✓All 9 active modules
- ✓Full HR & Automated Payroll
- ✓Unlimited employees & entities
- ✓Dedicated success rep
Run a smarter business. Read up.
Practical guides, comparisons, and templates. No filler, no pop-ups.
The true cost of running your business on five different tools.
We tallied 200 small businesses' software stacks. The average team pays $487/month across 6.3 separate tools. Here's the breakdown — and what consolidation actually saves.
Read the report →Still not sure? That's normal.
Honest answers, no marketing fluff. Anything else, our team responds in under 2 hours during weekdays.
Is the free tier actually free, or will you upsell me?
What about my data — is it secure?
How easy is it to migrate from QuickBooks, Xero, or another tool?
Can I add and drop modules whenever I want?
What countries do you support for payroll and e-invoicing?
How does Encarmo compare to NetSuite or Odoo?
Can my accountant access my books?
What happens if I cancel?
Enterprise-grade security.
The same controls used by Fortune 500 companies — on every plan, including the free tier.
- Encrypted storage. All data is securely stored and encrypted, with daily encrypted backups across three regions.
- Row-level security. Apply row-level access control for complete data isolation between your team and modules.
- Private by design. Your data is never sold or shared. Complete privacy and confidentiality guaranteed.
One business. One tool. Free to start.
Accounting and invoicing free forever. Add modules only when you need them. Switching costs nothing — migration is on us.