Build your stack.Or pick a bundle.
Accounting and Invoicing are free forever. Add modules at a flat monthly rate with unlimited users, or pick a bundle and save up to 35%. Cancel anytime.
Pick your modules
Core is always on. Unlimited users on every module.Whatever you pick, you get all of this.
These come with every plan, the free one included. You only pay for the modules you add.
Every module, every plan, the free one included. Nobody is a paid seat.
Give your accountant or bookkeeper their own login with the right permissions.
Encrypted in transit and at rest, with GDPR-ready data handling on SOC 2 and ISO 27001 certified infrastructure.
REST API and webhooks on every plan, so your data is always yours to use.
CSV, PDF, XLSX or JSON. No lock-in and no exit fees, even on the free plan.
Our team moves your accounts, customers, invoices and history across at no cost.
Humans, not chatbots. Replies in under two hours on weekdays.
Invoice and record transactions in your customers’ currencies.
Why flat module pricing adds up.
Most tools charge per user or per employee, so the bill grows with your team. Encarmo charges per module, and the price stays the same at 3 people or 30.
See all comparisonsWorking capital, without a subscription.
Invoice financing and working-capital advances, assessed from your ledger. There is no monthly fee. You only pay when you draw funds.
Explore CapitalStraight answers on billing.
Multi-entity setups, custom invoicing terms or a large team rollout? Talk to our team.
Talk to salesIs the free plan really free?
Yes. Accounting and Invoicing have no invoice, client, transaction or user caps, and include bank reconciliation, multi-currency, P&L, balance sheet and cash flow. Comparable plans from QuickBooks and Xero cost $27 to $85 a month (US list prices, checked October 2026).
How does annual billing work?
Choose annual and every module or bundle gets a discounted rate. Prices are shown per month and billed once a year.
What counts as a user?
Nothing. Every plan includes unlimited users, so adding a teammate, contractor or accountant never changes your bill.
Can I add or drop modules later?
Yes, at any time. Changes are prorated, and your data stays in place if you switch a module off.
Do bundles lock me in?
No. A bundle is a discounted set of modules. You can move between bundles or back to individual modules whenever you like.
Pay for what you actually use.
Accounting and Invoicing free forever. Add modules at a flat rate with unlimited users, or pick a bundle and save. Cancel anytime.
- No credit card
- Free forever
- Free migration
- Cancel anytime