9 modules.
One product. Pay only for what you use.
Each module is a real, standalone product. 2 are free forever. 6 are paid only when you use them. One earns its keep through take-rate. Mix and match. Unlimited users on every plan.
Free forever2 modules
Accounting and Invoicing — the operational core. No caps on invoices, customers, transactions, or users. Forever.
Pay per module6 modules
HR, Payroll, Inventory, CRM, Scheduling. Each is $9–$19/month, billed monthly, prorated, drop anytime.
Take-rate1 module
Capital. No subscription. We earn a small spread only when you draw working capital. Off by default.
All 9 modules. Click any to go deeper.
See full pricing →
Double-entry general ledger, P&L, balance sheet, bank reconciliation, multi-currency. The full accounting brain.
Unlimited invoices, quotes, receipts, proformas. Auto-reminders, payment links, e-invoicing in 40+ jurisdictions.
Multi-warehouse stock control, barcodes, batch and serial tracking, reorder alerts, expiry warnings, live COGS posting.
Lead capture, pipelines, contact management, email sync, activity tracking. Same record from lead to invoice — no exports.
Employee directory, leave/PTO tracking, onboarding workflows, document storage, performance check-ins, self-service.
Run payroll across 40+ jurisdictions. Auto tax tables, payslip generation, contractor payments, direct deposit.
Public booking pages, team calendars, appointment reminders, recurring availability, group bookings. Book to invoice in one flow.
Financial intelligence, executive dashboards, KPI telemetry, and automated board-ready reporting packages.
Working capital advances and invoice financing, underwritten live from your ledger. Funds in minutes, no paperwork.
Modules compose.
Some pairings unlock magic.
Every module works on its own — but certain combinations dramatically reduce work because the modules share one ledger and one customer database. Here's the full dependency map.
Start free.
Grow as you go.
A real customer journey, week one to year two. You don't pay for modules until your business actually needs them.
Send your first invoice.
Sign up, create your first invoice in 30 seconds, watch the books update automatically. No card, no caps, no time-bomb trial.
Add Payroll the day you hire.
First employee, first paycheck. Payroll module activates, posts wages and taxes straight to the ledger you already built.
Add CRM when leads pile up.
Pipeline is real now. Add CRM to manage leads. Each lead becomes the same record that gets invoiced — no double-entry.
Full stack. One bill.
Team of 8, organized HR, booking calendar, optional Capital for cashflow gaps. Still one product, still one ledger.
Side-by-side: every module, every number.
The full module roster, what each one does in one line, the price, and the module it pairs with most often.
| Module | Pricing | Headline capability | Best paired with | |
|---|---|---|---|---|
A AccountingModule 01 · Core | Free | Full double-entry ledgerP&L, balance sheet, multi-currency, bank reconciliation | All modules | Open → |
I InvoicingModule 02 · Core | Free | Unlimited invoicing & e-invoicing40+ jurisdictions, reminders, payment links | Accounting | Open → |
P PayrollModule 03 | $19/mo | Multi-country payroll runsAuto-tax tables, payslips, contractors, direct deposit | HR | Open → |
H HRModule 04 | $15/mo | Employee management & leaveDirectory, PTO, onboarding, documents, self-service | Payroll | Open → |
N InventoryModule 05 | $12/mo | Multi-warehouse stock controlBarcodes, batch/serial, reorder alerts, live COGS | Accounting | Open → |
C Sales CRMModule 06 | $14/mo | Pipelines & lead-to-invoice flowLead capture, contacts, email sync, activity | Invoicing | Open → |
S SchedulingModule 07 | $9/mo | Booking-to-invoice in one flowPublic pages, team cal, reminders, recurring | CRM | Open → |
$ CapitalModule 08 | Take-rate | Invoice financing & working capitalLive underwriting from your ledger, BaaS-partnered | Accounting | Open → |
One quote per module. Same product.
“My CPA checked the books and said ‘this is built right.’ The double-entry engine is solid. Migrated from QBO in 40 minutes.”
“Free unlimited invoicing with e-invoicing compliance for Germany and the EU. Saved $480/year moving off FreshBooks.”
“Switched from Gusto. The journal entries post themselves to the ledger automatically — finally. No more end-of-month reconciliation marathons.”
“Replaced BambooHR at one-third the price. The leave tracker alone justifies the module — and it talks to payroll natively. Magic.”
“Multi-warehouse with real-time COGS posting. We track stock across 4 sites. Cin7 wanted $300/mo for less. Inventory + Accounting = $12.”
“The lead becomes the invoice. Same record. I stopped paying for HubSpot the day this launched. Pipeline view is clean and fast.”
“Patient books online → reminder → appointment → invoice. Zero double-entry. Calendly + invoicing in one for $9. Game over.”
“Pre-approved invoice advance in 4 minutes. The ledger underwrites itself. We funded a critical purchase order with no bank paperwork.”
The honest math.
Same job. Different total.
A typical 10-person team using Encarmo's full stack vs. the same team using best-in-class single-purpose tools. Pricing pulled from each vendor's public site, March 2026.
Eight separate tools.
Eight separate bills.
One product.
One bill.
Modular inside.
Connected outside.
Common questions about how modules work.
These are questions specifically about how Encarmo's modular system works — adding, dropping, pairing, billing. For deeper module-specific questions, head to that module's page. Browse all docs →
Can I really use just the two free modules forever?
How does the billing work if I have multiple modules?
Can I add and drop modules anytime?
Do I have to start with Accounting?
What if I only need one paid module, like HR?
Do modules share data automatically?
Is there a discount for using more modules?
What's the difference between Encarmo modules and Zoho's 45+ apps?
Eight modules.
Start with two.
Accounting and Invoicing free forever. Add the rest only when you need them. One product, one ledger, one bill.