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Zoho One bundles more than 45 apps for one price – strong if you want everything from one family and have the time to wire it together. If you need deal, project, time and invoice as one flow, you are looking for something else.
cashwerk does not build wide, it builds deep: one record from deal to final invoice, milestone and recurring invoices, e-invoicing and dunning included, an assistant that asks before it writes. EU hosting · GDPR · GoBD. Free for 1 user.
In short
The best Zoho One alternative depends on whether you need breadth or depth. Zoho One costs €37 per employee per month if you license every employee, otherwise €90 per user (annual billing). If you still want a large app family, Odoo or Bitrix24 are the candidates. If you need CRM, projects, time and GoBD-compliant invoices as one flow rather than a set of connected apps, cashwerk is the alternative: free for 1 user, from €12 per user per month for teams, with no obligation to license your whole workforce.
A fair comparison names the other side's strengths first. Then you read where cashwerk works differently.
Common Challenges
Why Companies Switch
Six options for SMBs, agencies and tech teams that want sales, projects and billing from one system – with regular list prices from the vendor sites, as of September 2026.
Five hubs in one record: sales, work, time, finance, AI
Open-source suite with a modular toolkit
Low-cost suite with a flat rate per organisation
CRM and marketing platform in hubs
German cloud ERP for services and trade
CRM and ERP in the Microsoft ecosystem
Prices: regular net list prices from the vendors' websites, as of September 2026. Promotional discounts not included.
Feature by feature – decide for yourself.
Every feature side by side – transparent and honest.
See for yourself how easy cashwerk is to use.
What does it really cost?
As of September 2026: list prices from the vendors' own pricing pages. Tax treatment differs by vendor.
Run it alongside your current solution – no risk.
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Export contacts, companies and deals from Zoho CRM as CSV and import them into cashwerk – the import maps columns automatically
Rebuild pipeline stages and projects, carry over open invoices with your number range, invite the team and run four weeks in parallel
Everything you need, seamlessly integrated into one platform.
Zoho One is the biggest promise on the market: more than 45 apps for one price. For teams that work in projects and bill afterwards, the promise often ends at the seams between the apps.
The breadth of Zoho One is real. CRM, Books, Projects, People, Desk, Campaigns, Creator, Analytics – if you want everything, you find everything. The price is integration work: customers live in CRM, projects in Projects, time in People or Projects, invoices in Books. Every app has its own data model, permissions and settings. Before a deal shows up as a project, the project as time and the time as an invoice, someone has built and maintained flows.
cashwerk gives up the breadth and builds the one flow all the way through: a contact becomes a deal, the won deal a quote, the quote a project with costing and margin, the tracked time lands as line items on the invoice – as a milestone, recurring or final invoice, as an e-invoice to the public sector, with dunning levels if nobody pays. One record, one permission model, one login.
On price, the logic differs more than the numbers. Zoho One costs €37 per employee per month if you buy licences for every employee – including those who never work in Zoho. If you do not want that, you pay €90 per user per month on the Flexible User model. cashwerk is free for 1 user and costs €14/user/month (€12 annually) on Starter or €29 (€24 annually) on Business – only for the users who work in the system.
For the DACH region there is more: cashwerk hosts in the EU, complies with GoBD and creates XRechnung and ZUGFeRD on the Business plan without an extra module. Zoho Books has a German edition; which features and data centres you get depends on edition and account region. The Casper assistant works in the same record and asks before every change – and through the MCP server your own AI tools operate cashwerk with your permissions.
To be fair: Zoho One covers areas cashwerk deliberately does not build – general ledger accounting, payroll, help desk, marketing automation, web shop. If you need several of those, Zoho One or Odoo serve you better. If you want the core flow from deal to cash clean and leave accounting to your accountant or Lexware, cashwerk is the more focused alternative.
It depends on what Zoho One is missing for you. If it is depth in daily work – deal, project, time and invoice as one flow – cashwerk is the fitting alternative: free for 1 user, from €12 per user per month for teams. If you still want a large app family, Odoo or Bitrix24 come into play. For pure marketing CRM, HubSpot is closer.
As suites: Odoo (open source, modular), Bitrix24 (flat rate per organisation) and Microsoft Dynamics 365. As a German ERP: weclapp. As a CRM platform: HubSpot. As a focused platform for service businesses: cashwerk – with sales, projects, time, invoices and AI in one record instead of dozens of apps.
Zoho One costs €37 per employee per month on the All-Employee model – which requires licensing every employee – or €90 per user per month on the Flexible User model (annual billing in both cases, monthly is higher). cashwerk is free for 1 user; Starter costs €14/user/month (€12 annually), Business €29 (€24 annually). You pay only for who works in the system. All prices net, as of September 2026.
The lower price only applies if you buy licences for every employee on payroll – including those who never work in Zoho. Otherwise the Flexible User price applies. cashwerk has no such rule: you license exactly the users who use the system.
Yes, via CSV: export contacts, companies and deals from Zoho CRM and import them into cashwerk – columns are mapped automatically and duplicates checked. You set up projects and pipeline stages fresh; open invoices carry over with your number range.
No. cashwerk covers everything up to the invoice – quotes, invoices in 14 document kinds, e-invoicing, incoming payments, dunning – and hands off to Lexware or sevDesk on the Business plan or to your accountant. General ledger accounting, payroll, web shop and marketing automation are not part of cashwerk.
cashwerk hosts in the EU, GDPR-compliant with a data processing agreement, and invoices are GoBD-compliant. Zoho runs its own data centres in the EU; which one is used depends on your account region.
Zoho brings its AI Zia into many apps. Casper in cashwerk works in one record: it answers questions about your customers, deals, projects and invoices from the system and creates tasks, contacts or invoices on request – you confirm writes first. cashwerk is also an MCP server itself, so Claude, ChatGPT or Cursor access it with your permissions.
How cashwerk stacks up against other tools
Hosted in the EU, developed in Europe
Fully data protection compliant
Servers only in the EU
Records, audit logs and exports
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