Customer reviews
Migrated from QuickBooks in 40 minutes. My CPA reviewed the books on day three and said this is built right.
Stop losing billable hoursto invoices and bookkeeping.
You do the client work and you run the business. Every hour spent formatting an invoice, reconciling the bank or chasing a late payment is an hour you didn't bill. Encarmo's free accounting and invoicing take minutes, not hours.
Free forever for accounting and invoicing. No credit card required.
$0accounting and invoicing
Unlimitedclients and invoices
10 minto your first invoice
Noper-user fees
Two honest paths
What freelancers actually need, and what they don't.
Staying solo, you need accounting, invoicing and basic client tracking, and nothing more. When your first contractor or employee joins, hours need tracking against budgets and payroll becomes necessary. Encarmo covers both stages.
$0
forever for the core: double-entry bookkeeping, unlimited invoicing, live bank feeds and client tracking. Add Payroll or HR only if you hire.
How it works
How Encarmo works for freelancers.
1
Set up accounting and invoicing
Link your business bank account, add your logo to invoice templates and start billing in under 10 minutes.
2
Track clients and projects
Record scopes and rates, so what is billed, outstanding and profitable is always visible.
3
Get paid faster
Automated reminders and online payment links cut late payments without manual emails.
4
Add modules only when needed
Taking on a contractor? Turn on Payroll or HR individually, each with a 14-day free trial.
What is included
The core features that matter at this stage.
Everything below is free forever, built for a one-person business rather than enterprise software you never touch.
This quarter
Revenue$24,600
Expenses$3,120
Profit before tax$21,480
Accounting, free
Automated double-entry books, live bank feeds and real-time P&L and tax statements.
LSINV-024$3,000.00
Milestone 2, brand identity
Pay now
Invoicing, free
Branded invoices in minutes, automatic late-payment nudges and online payments accepted directly.
Halden Foods$158 / h
Orbit & CoProposal
NorthwindRenewal due
Client tracking, free
Leads, proposals and client records in one place, with profit margin per client.
Time this week
Halden Foods12 h
Orbit & Co6 h
Admin, non-billable3 h
Billable time and expenses, free
Log hours and expenses against each client and project, so nothing goes unbilled.
Payroll add-on, $19 a month
For your first contractor or employee, with journal entries posted automatically.
HR Management add-on, $15 a month
Staff records and leave tracking once the team grows past one or two people.
Scheduling and CRM, $9 to $14 a month
Consultation booking, session package billing and a deal pipeline, when you need them.
Multi-currency client payments
Bill international clients in their currency and reconcile payments in yours.
Accountant access
Give your accountant direct access for quarterly and year-end tax reporting.
Unlimited clients and invoices
No caps on clients, invoices or projects on the free core.
Why it is still one system
One connected system, even at one person.
A paid invoice updates the ledger automatically. Adding contractor tracking or scheduling later doesn't break that connection.
Invoicing + Accounting
When an invoice is paid, the ledger updates itself, with no CSV exports, manual journal entries or reconciliation scramble at tax time.
No more tax-time reconstruction.
Time + Invoicing
Logged billable hours become invoice line items.
No more unbilled hours.
Clients + Accounting
Revenue and time per client show the true margin.
No more guessing which clients pay off.
Payroll + Projects
A contractor's hours post to the right project costs.
No more contractor spreadsheets.
Same P&L, solo or not
Your first hire lands in the same P&L report.
No more switching software as you grow.
Free forever. Add modules only if you hire.
Accounting, invoicing and client tracking are free forever, with no card required. Paid modules are individual, each with a 14-day free trial.
Core FoundationFree forever
$0 / month, no card required
Double-entry bookkeeping
Live bank feeds
Expense tracking
Real-time P&L and tax statements
Branded invoice templates
Unlimited invoicing
Automated late-payment nudges
Online payment acceptance
Leads and proposals
Billable time and expenses
Profit per client
Unlimited clients
Available when you grow
No forced bundles. Add a module only when you hire.
AccountingFree
InvoicingFree
Client and project trackingFree
Scheduling or Sales CRM$9 to $14 / month
HR Management$15 / month
Payroll$19 / month
By type of work
Built for different kinds of freelance work.
Creative specialists
Design, writing and video. Milestone deliverables with staged invoices and margin tracked for every client.
Software developers
Engineers and IT consultants. Hourly and sprint billing, with international payments in several currencies.
Consultants and advisors
Business and marketing strategy. Monthly retainers, automated follow-ups and accountant access for tax.
Coaches and solo practitioners
Trainers and private coaches. Session packages, upfront payment links and instant receipts.
What buyers ask before switching.
Anything else, our team replies in under two hours on weekdays.
support@encarmo.comDo I need payroll or HR as a freelancer?
Not at first. Most freelancers only need accounting and invoicing. The core stays free forever, and you can add team modules later without switching software.
Is it really free?
Yes. Accounting, invoicing and client tracking are free forever, with unlimited clients and invoices and no card required.
Can clients pay me online?
Yes. Every invoice can include an online payment link, and paid invoices update your books automatically.
Can my accountant access my books?
Yes. Give your accountant access for quarterly and year-end tax reporting, so nothing needs exporting.
Can I bill international clients?
Yes. Invoice in your client's currency and reconcile payments against your own.
Your freelance business. More billable work, less bookkeeping.
Start with free accounting and invoicing that take minutes, not hours. Add modules only when you actually need them.
Free forever for accounting and invoicing. Unlimited clients and invoices.