We built the business OS
we couldn't buy anywhere.
Encarmo is a modular business operating system: accounting, invoicing, payroll, HR, inventory, CRM, scheduling, and reporting in one unified platform. Built for founders and teams who want to run one product instead of five.
The business we ran needed six tools. They never agreed.
Before building Encarmo, our founding team ran growing client and product businesses for over a decade. The operations were straightforward enough: client work, a small team, monthly payroll and inventory to manage. What shouldn't have been complicated was the administrative machinery around it.
There was accounting software for the books. A separate invoicing tool to send client bills. A payroll platform that didn't talk to either. An HR system for employee records that updated independently from payroll. A CRM for managing clients that had no connection to the invoices being sent to them. And a spreadsheet to reconcile everything at month-end, because nothing agreed with anything else.
The combined monthly cost was over $380/month. The combined time cost was harder to calculate, but the first weekend of every month was reliably lost to pulling data from one system, entering it into another, and troubleshooting the inevitable discrepancies.
In 2026, we started mapping the problem properly. The insight wasn't that the tools were bad individually, most of them were functional in isolation. The insight was that the fragmentation itself was the product. Every disconnection was a gap that required human time to bridge. That human time, added up across every small business running the same fragmented stack, was staggering.
“The tools weren't the problem. The gaps between them were. I was spending more time managing software than running the business the software was supposed to help.”
Encarmo Founding TeamEncarmo was incorporated with a clear product vision: one platform that does everything a growing business needs, connected natively so that every piece of data is in the right place automatically, and priced so that the cost of software doesn't grow every time you hire someone.
The accounting and invoicing modules launched free, on purpose. Every business deserves accurate books regardless of size or stage. The paid modules, payroll, HR, inventory, CRM, scheduling, follow when the business is ready for them. No per-seat fees on any module. No feature gating to force an upgrade. One flat price, for everything the module does.
Eight modules. One ledger. Zero manual data transfers.
Encarmo is a modular business operating system. Each module handles a distinct operational function, accounting, invoicing, payroll, HR, inventory, CRM, scheduling, or reporting. Each module connects to the others natively, sharing the same underlying data so that an action in one module automatically updates every other module that needs to know about it.
A new employee added in HR appears in payroll automatically. An invoice sent in invoicing posts to the accounting ledger immediately. A deal won in the CRM generates an invoice in one click. Hours logged in scheduling flow to invoices and payroll without re-entry. Stock sold in a product invoice decrements from the warehouse in real time. Approved leave in HR blocks the schedule automatically.
Accounting
Invoicing & Billing
Payroll
HR Management
Inventory
Sales CRM
Scheduling
Reports & Analytics
The numbers that define where we stand right now.
A mission worth quoting. Five beliefs to back it up.
Accounting software should be free.
It's infrastructure, not a product feature. The fact that small businesses pay $30 to $50 a month just to keep their own financial records is an accident of how the market developed, not a reflection of what it should cost. Encarmo's accounting and invoicing are free because they should be.
Per-seat pricing is a tax on team growth.
When a traditional CRM costs $50 to $100 per user per month and you hire your tenth sales rep, you just signed a contract to pay 10x more for the exact same software. Pricing that compounds with headcount punishes growth. Encarmo charges per platform: $14/mo for unlimited CRM users, never per seat.
The real cost of fragmented tools is human time, not software fees.
Businesses running payroll in one tool, accounting in another, and HR in a third aren't paying the obvious price, the combined monthly subscription. They're paying the hidden price: the hours spent transferring data between systems, checking that both sides agree, and rebuilding the spreadsheet that reconciles everything at month-end.
Payroll errors are always a systems failure, never a human one.
When an employee doesn't get paid correctly, the instinct is to ask who made the mistake. The better question is which system required the mistake to be possible. When HR and payroll share one employee record, a salary change in one is a salary change in both. There's no gap to fall through.
The best business software makes itself invisible.
You shouldn't have to think about your accounting software any more than you think about your email server. The work it does should happen without requiring your attention. Encarmo is designed to run in the background, automating the things that should be automated, surfacing the things that need a decision, and staying out of the way the rest of the time.
A focused team building a very large platform.
Encarmo's team is based primarily in London, with distributed team members across Europe and North America. The company is incorporated in Sheridan, Wyoming. The team is deliberately compact, we move faster, make fewer decisions by committee, and stay closer to the product when there are fewer layers between the people writing code and the people who use it.
The team is structured around four core functions:
Engineering and infrastructure
Handles the platform architecture, module development, and reliability engineering. Engineering is our largest function, because the product is the company, and the product needs to be built with extreme reliability.
Product and design
Owns the user experience across all eight modules and the connective tissue between them. The hardest design challenge in Encarmo is making eight complex operational modules feel like one simple, unified product.
Customer success and support
Handles onboarding, free 1-day migration, and ongoing support for every business on the platform. Support is reachable by email and in-app chat with fast, human resolution.
Finance and operations
Runs Encarmo's own business operations on Encarmo, the most honest dogfooding arrangement in the industry and a continuous forcing function for building software that actually works.
We're hiring across engineering, product, and customer success. If you're interested in building infrastructure for modern businesses, we'd love to hear from you.
See open roles →What others have said about Encarmo.
Independently built. Customer aligned.
Encarmo is independently owned and operated. We made this choice deliberately. When software companies take outside growth capital with short horizons, pricing models inevitably shift, growth rate becomes the primary metric, and customers end up paying more through per-seat licenses, arbitrary feature tiers, and annual price hikes.
Pricing modules at flat, transparent rates rather than per seat, keeping accounting and invoicing free forever, and refusing to gate basic features behind enterprise tiers: these decisions are permanent because we're answering directly to the businesses who use our product.
Encarmo generates sustainable revenue from paid modules. The business model is clear: accounting and invoicing are free forever because they represent essential infrastructure. Payroll, HR, inventory, CRM, scheduling, and Reports & Analytics are paid modules that businesses enable when they expand. We grow when our customers grow.
Real businesses. Real relationships.
These are the businesses that run on Encarmo. Here is what it looks like to trust a single platform with your accounting, payroll, and operations.
“What makes Encarmo different isn't just a feature, it's the feeling that the people who built it actually ran a business first. Free accounting. Flat pricing. Everything connected. These are the choices someone makes when they've been frustrated by the alternatives.”
“Switching your accounting and payroll software is stressful. Handing years of financial data to a new platform feels risky. The Encarmo team migrated everything in less than 24 hours without errors and walked us through every step.”
“We've had moments where we needed help urgently with a custom payroll run. Encarmo support responded within minutes and resolved it smoothly. I don't think of them as a vendor, they are part of how our business runs.”
Every certification we hold is independently verified.
Encarmo processes payroll data, financial records, employee personal information, and client billing data for thousands of businesses. We treat security as foundational infrastructure.
SOC 2 Type II
SOC 2 Type II evaluates our security controls over a sustained operating period. The audit covers security, availability, processing integrity, and confidentiality. Report available to enterprise customers on request.
GDPR, General Data Protection Regulation
Encarmo acts as a data processor for all personal data held on behalf of customers. Your data is never sold or used for advertising. Employee and client data can be exported or deleted on request.
PCI DSS Level 1
Cardholder data is never stored on Encarmo servers. All payment processing is tokenized through certified Tier-1 payment partners meeting the highest industry standards.
ISO/IEC 27001
ISO 27001 certification confirms that Encarmo maintains a documented, tested, and continuously improved Information Security Management System (ISMS).
Encryption standards
At rest: 256-bit AES encryption on all stored databases and file attachments.
In transit: TLS 1.3 encryption across all browser sessions and API calls.
Key management: Automated key rotation with hardware security modules (HSM).
Penetration testing
Independent third-party penetration tests are conducted regularly with findings remediated under strict SLAs.
99.97% Uptime SLA
Encarmo operates a 99.97% uptime commitment with real-time incident logging and monitoring.
Two-factor authentication
Available for all users and enforceable company-wide for account owners and payroll admins.
Role-based access controls
Granular permissions by module, data field, and action so financial and HR data stays secure.
Sub-processor transparency
A documented register of verified cloud infrastructure and sub-processors is maintained under our master service agreements.
Where Encarmo is heading, and what we're building to get there.
Our long-term ambition is to provide the unified operational backbone of the modern small and medium-sized enterprise, a platform that runs quietly underneath the work, handling accounting, HR, payroll, inventory, and operations automatically so leaders can focus on high-value decisions.
In active development
WooCommerce plugin
Native e-commerce integration bringing WooCommerce orders, inventory, and payments directly into Encarmo. Targeting Q2 2026.
Shopify app
A Shopify-native app syncing orders, inventory, and customer records with Encarmo automatically. Targeting Q2 2026.
Expense Management
A dedicated module for employee expense submission, approval workflows, and reimbursement, connected natively to Accounting and Payroll. Targeting Q3 2026, in development, not yet live.
AI Email & Quote Automation
Automated quote generation and follow-up drafting from inbound sales emails, connected to Sales CRM. Targeting Q3 2026.
Want early access to upcoming modules or integrations? Let our product team know.
Notify me when these ship →Where we are. How to reach us.
Customer Support
support@encarmo.comFor all users and customers needing help with any module, migration, or setup. Fast response via email and in-app chat.
Sales & Migration
sales@encarmo.comFor growing teams evaluating Encarmo, custom requirements, or free 1-day migration assistance.
Partnerships & Media
partnerships@encarmo.comFor accounting firms, integration partners, press releases, interview requests, and brand assets.
Legal, Privacy & Security
legal@encarmo.comFor data processing agreements (DPA), GDPR enquiries, compliance, and responsible security disclosures.
Headquarters
Encarmo Inc.
75 E 3rd St, Sheridan, WY 82801, United States
Serving businesses globally across 40+ countries.
Questions about Encarmo & our mission.
Everything you need to know about our modular business OS, pricing philosophy, and platform security.
What is Encarmo and who is it built for?
Encarmo is a unified modular business operating system. It combines accounting, invoicing, payroll, HR, inventory, CRM, scheduling, and reporting into a single platform. It's built for founders, small-to-medium businesses, agencies, and operators who are tired of paying for 5 to 8 disconnected subscriptions and spending weekends reconciling data.
Why are the core Accounting and Invoicing modules free forever?
We built Encarmo on the belief that basic financial recordkeeping is infrastructure, not a premium feature. Accounting and Billing & Invoicing carry no monthly fee and never require a card, for any business, at any size.
How does Encarmo charge for paid modules?
Every paid module, Inventory, Sales CRM, HR Management, Payroll, Calendar & Scheduling, and Reports & Analytics, is priced flat per platform, starting at $9 to $19 a month depending on the module, with no per-seat fees. Each starts with a 14-day free trial and no card required to start, a card is only requested if you continue after the trial.
Can I migrate my data from QuickBooks, Xero, or Gusto?
Yes. Encarmo's customer success team offers free 1-day migration assistance to move your existing accounting, invoicing, or payroll data onto the platform.
How is our business and customer data kept secure?
Encarmo maintains SOC 2 Type II, ISO/IEC 27001, PCI DSS Level 1, and GDPR compliance, with 256-bit AES encryption at rest, TLS 1.3 in transit, two-factor authentication, and role-based access controls.
Run your business
on something that agrees with itself.
Free accounting and invoicing, forever. Add team modules only when you need them.