Customer reviews
Migrated from QuickBooks in 40 minutes. My CPA reviewed the books on day three and said this is built right.
From pitch to payroll,in one client record.
Win the client, bill the client, staff the client, pay the team. Most agencies run that loop across four or five tools. Encarmo runs it from one client record, starting with free accounting and invoicing.
Free accounting and invoicing forever. No per-user fees. No forced bundles.
$0accounting and invoicing
Noper-user fees
1 dayto set up
1record, pitch to payroll
Two honest paths
What agencies and consultants actually need, and what they don't.
Most software forces a choice between expensive bundles and disconnected point tools. Run in pieces, every new client means typing the same details three or four times, and every payroll run means reconciling hours against a budget nobody else can see.
$0
for the core. Accounting and invoicing are free forever, with no card required. Add CRM, HR or Payroll as the agency grows.
How it works
Four steps from handshake to reconciled books.
1
Capture the lead
A prospect enters your CRM from your site or pitch deck, with notes and budget attached.
2
Send the quote
One click turns the deal into an approved estimate and a branded invoice with a payment link.
3
Staff the project
Check team leave and capacity in HR before assigning deliverables, so deadlines are realistic.
4
Run payroll with confidence
Payroll draws on actual project hours, keeping client margins accurate and the books balanced.
What is included
Agency operations in one connected system.
Two free core modules, and add-ons you turn on only when the agency needs them. No per-user seats and no forced bundles.
P&L, Northwind Co
Revenue$18,200
Team cost$10,740
Margin41%
Accounting, free
A general ledger that updates when a client pays, with bank reconciliation, expense tracking and P&L per client.
RetainerRecurring
Amount€5,500.00
Pay now
Billing and invoicing, free
Milestone quotes, recurring retainer invoices and payment links, with no per-user charges or invoice limits.
Halden, $8.4kProposal
Orbit, $5.2kNegotiation
Northwind, $12.4kWon
Sales CRM, $14 a month
Track leads, manage proposals, and turn won deals into projects and invoices in one click.
Staff, 3 people412 h
Freelancers, 296 h
March runApproved
Payroll, $19 a month
Staff and contractor pay tied to project hours and client billing, with direct deposit.
HR Management, $15 a month
Employee and contractor records, time-off approvals and self-service onboarding.
Calendar and Scheduling, $9 a month
Kickoff booking pages, internal team calendars and billable appointments.
Live bank feeds and reconciliation
Client payments match to invoices automatically, with no transaction caps or paywalls.
Real-time P&L per client
Revenue, team cost and margin for every client and project, updated as work is billed.
Retainers, milestones and hourly billing
Recurring retainers, staged milestones and time-and-materials invoicing from one place.
Multi-currency client billing
Invoice international clients in their currency, with card and ACH payment links.
Why it is still one system
Pitch to payroll, one client record.
Every layer runs on one live ledger, so a lead becomes a quote, a project and payroll without re-entering a field. No CSV exports, no sync lag and no argument about the agreed rate.
CRM + Invoicing
A won deal becomes an approved estimate and a branded invoice with a payment link, carrying the client, scope and agreed rate from the proposal.
No more re-keying rates from the proposal.
HR + Scheduling
Leave and capacity are visible before deliverables are booked, so deadlines are realistic.
No more surprise absences mid-project.
Scheduling + Invoicing
Billable hours logged against a client feed retainer checks and time-and-materials invoices.
No more unbilled hours.
Payroll + Accounting
Payroll uses actual project hours and posts to the ledger, so margin per client is live.
No more profitability guesswork at month-end.
Invoicing + Accounting
Paid client invoices update the ledger as they clear, and bank feeds reconcile automatically.
No more month-end reconciliation.
Start free. Add modules as the agency grows.
Accounting and invoicing are free forever, with no card required. Add CRM, HR or Payroll when you need them, with no per-user fees and no bundles.
Core FoundationFree forever
$0 / month, no card required
Double-entry general ledger
Live bank feeds and reconciliation
Expense tracking
Real-time P&L per client
Milestone quotes
Recurring retainer invoices
Card and ACH payment links
Automated payment reminders
Multi-currency billing
No transaction or invoice caps
Unlimited clients and projects
No per-user fees
Add as you scale
No forced bundles. Each module connects to the same client record the day you turn it on.
AccountingFree
Billing and InvoicingFree
Sales CRM$14 / month
HR Management$15 / month
Payroll$19 / month
Calendar and Scheduling$9 / month
By type of agency
Tailored to the way your consultancy charges.
Creative and design studios
Milestone and staged billing. Project billing, retainer tracking and freelancer-plus-staff payroll in one view.
Marketing and advertising agencies
Retainers and campaigns. Monthly retainer invoicing, campaign expenses and team capacity across accounts.
Software and IT consultancies
Time and materials. Hourly and sprint billing tied to bank feeds, contractor payouts and multi-currency accounts.
Business and strategy consultancies
Advisory and value billing. Proposal-to-invoice tracking for engagements that span quarters, with live margin per partner.
What buyers ask before switching.
Anything else, our team replies in under two hours on weekdays.
support@encarmo.comDo I have to buy CRM, HR or Payroll?
No. Accounting and invoicing work as a free, standalone system for any agency that just needs to bill clients and keep the books. CRM, HR and Payroll are optional add-ons for when you need to track leads or pay staff.
Is there a per-user fee?
No. There are no per-user seats on any module, so adding a new hire, freelancer or accountant costs nothing extra.
Can I bill retainers, milestones and hours?
Yes. Recurring retainer invoices, staged milestone quotes and time-and-materials billing all run from the same client record.
Can we invoice international clients?
Yes. Invoice in your client's currency, with card and ACH payment links and automated reminders.
How long does setup take?
Most agencies are set up within a day, starting with the free accounting and invoicing core.
Your agency. From pitch to payroll. Always connected.
Start with free accounting and invoicing today. Add CRM, HR or Payroll only when your team and client roster grow.
Free forever for accounting and invoicing. Unlimited clients and projects.