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Encarmo›Pricing

Build your stack. Or pick a bundle.

Accounting and Invoicing are free forever. Add modules at a flat monthly rate — unlimited users on every module — or grab a pre-built bundle and save up to 20%. Cancel anytime, no contracts.

Pick your modules · core is always on · unlimited users on every module
✓
Accounting
Core · free
✓
Billing & Invoicing
Core · free
✓
Inventory
+$12/month
✓
Sales & CRM
+$14/month
✓
HR
+$15/month
✓
Payroll
+$19/month
✓
Calendar & Scheduling
+$9/month
✓
Reports & Analytics
+$10/month
✓
Capital
Take-rate · 0 sub
Your custom stack
Just the core
2 modules selected · unlimited users included
$0/month
Unlimited users on every module, every plan
Accounting · coreFree
Billing & Invoicing · coreFree
Annual cost$0/year
Start with this stack →Book a 15-min demo
✓ No credit card✓ Cancel anytime✓ Drop modules anytime
Starter
$0/month
Best for freelancers & micro-business.
What's included
✓ Accounting
✓ Billing & Invoicing
✓ Unlimited users included
Start with Starter →
Most popularSave 15%
Growth
$30/month
$35/month Save $5/month
Best for growing SMBs & sales teams.
What's included
✓ Accounting
✓ Billing & Invoicing
✓ Inventory
✓ Sales & CRM
✓ Calendar & Scheduling
✓ Unlimited users included
Start with Growth →
Save 20%
Business
$55/month
$69/month Save $14/month
Best for full business operations.
What's included
✓ Accounting
✓ Billing & Invoicing
✓ Inventory
✓ Sales & CRM
✓ Calendar & Scheduling
✓ HR
✓ Payroll
✓ Unlimited users included
Start with Business →
Enterprise
Custom everything
100+ users · custom modules · SLA
✓ All modules including Capital
✓ Dedicated account manager
✓ Custom integrations
✓ Priority support & SLA
✓ SSO & SCIM provisioning
✓ White-label option
Talk to sales →Avg response: under 4h
Included on every plan · even the free one

No matter what you pick, you get all of this.

SOC 2 + GDPR + ISO 27001

Enterprise-grade security on every plan, including free. Audited annually.

Add your accountant free

Auditors and bookkeepers don't count toward your user count, ever.

Open API + webhooks

Full REST API and webhooks on every plan. Your data is always yours.

Export anywhere, anytime

CSV, PDF, XLSX, JSON. No lock-in, no exit fees, even on the free tier.

Free migration on us

If you have 24+ months of history, our team migrates it for you. Free.

Sub-2-hour support

Real humans, not chatbots. Average response time during weekdays.

Multi-currency, multi-region

160+ currencies, e-invoicing compliance for 40+ jurisdictions.

Cancel or downgrade anytime

Month-to-month, prorated billing. No annual contracts, no penalties.

◆ Capital · take-rate only

Need working capital?
Don't pay a subscription.

Encarmo Capital is invoice financing and working-capital advances, underwritten live from your ledger. No monthly fee. You only pay a small spread when you draw funds.

Explore Capital →
Capital · indicative rates
Invoice advanceFunds against approved invoices
1.4%/mo
Working capital lineRevolving credit, drawn as needed
1.8%/mo
Cards · interchangeSpend cards for your team
Freefor you
Rates indicative · final pricing depends on ledger health and jurisdiction · BaaS-partnered, regulated locally
Pricing questions

The honest answers about how billing works.

Most pricing questions are answered below. For anything else — multi-entity setups, custom invoicing terms, large team rollouts — talk to our team. Average response under 4 hours during weekdays. Talk to sales →

Is Accounting and Invoicing really free, with no caps?
Yes. No invoice caps, no client caps, no document limits, no transaction limits, no user caps. Multi-currency, e-invoicing, bank reconciliation, the full P&L, balance sheet, and cashflow — all included. The free tier is what you'd pay $30–$60/month for elsewhere.
Do I pay more as I add users to a module?
No. Every module is a flat monthly fee, regardless of how many users you add. Add your whole team, your accountant, your bookkeeper — the price doesn't change. Accountants, bookkeepers, and external auditors are always free, on every plan including free, with full, scoped, or read-only access depending on what you set.
What's the difference between Module Builder and Bundles?
Same product, two ways to buy. Module Builder lets you pick exactly which modules you want at their individual flat rate. Bundles are pre-packaged combinations at a 15–20% discount for common use cases. If you'd save with a bundle, the builder will tell you and offer to switch.
Can I switch from a bundle to the builder, or back?
Yes, anytime. Bundles aren't contracts — they're just pre-packaged price breaks. Switch from Growth bundle to a custom Module Builder stack mid-month and your bill prorates automatically. Or switch the other way if your usage pattern matches a bundle better.
What does “annual −20%” mean?
Pay annually and you get 20% off the monthly price. You can still drop modules or downgrade mid-term — we'll prorate a credit. No commitment penalty. Annual is a saving, not a lock-in.
What happens when I add or drop a module mid-month?
Billing is prorated automatically. Add Payroll on the 15th, you'll pay 50% of that module's monthly fee on next month's invoice. Drop it on the 20th, you get credit for the unused days. No contracts, no penalties, no minimum term.
What about Capital — does it count as a “module” in pricing?
No. Capital is off the subscription model entirely. There's no monthly fee. You only pay when you actually draw working capital — and the rate is a small spread (1.4–1.8% / month). It's bundled with Enterprise, but optional on every plan including free.
What payment methods do you accept?
Credit and debit cards (Visa, Mastercard, Amex) via Stripe, SEPA Direct Debit in the EU, ACH in the US, and bank transfer for Enterprise plans. No card needed for the free tier. We bill in your local currency where available.
What happens if I cancel? Do I lose my data?
No. Your data stays accessible for 90 days after cancellation, so you can come back or export. Full export (CSV, PDF, XLSX, JSON, or open API) is available at any point — including after cancellation. We don't hold data hostage.

Start free.
Pay for what you actually use.

Accounting and Invoicing free forever. Add modules at a flat rate, unlimited users. Or grab a bundle and save. Cancel anytime.

Create your free account →Book a 15-min demo
No credit card·Free forever·Free migration·Cancel anytime