Paymo vs Toggl: Complete Comparison (2026)

Paymo vs Toggl Track: which one actually runs your entire business?

Both handle time tracking: logging hours, running reports, and connecting billable time to client work. But once the hours are logged, most users end up piecing together the rest of the workflow through other apps... because neither has proposals, contracts, a branded client portal, or any of the other necessary features to truly run an entire client workflow from one place.

Paymo bundles project management with time tracking and basic invoicing, but its free plan is limited to one user, invoicing lacks recurring billing, there's no client portal where clients can log in and track progress, and per-user pricing adds up quickly for growing teams.

Toggl Track does time tracking with a clean one-button interface and browser extension, but there's no project management, no invoicing, no proposals, no contracts, and no client portal, so every other part of running a client business happens in separate tools.

Plutio handles time tracking, then connects it to the rest of the workflow. Tracked hours feed directly into invoices, proposals auto-create projects with task templates, and clients log into a portal at your domain to check progress on their own. Skip the comparison and try Plutio free.

Last updated March 2026

4.6

Quick comparison (TLDR)

Paymo combines project management with time tracking and basic invoicing in one tool. Kanban boards, Gantt charts, and task-level time tracking are all included, but the free plan covers only one user, the per-user pricing grows costly for teams, and there's no client portal or proposal builder to support the full client workflow.

Toggl Track focuses entirely on time tracking and does it well. One-button start, browser extension, desktop and mobile apps, and detailed reports are all available. But project management, invoicing, proposals, and contracts don't exist in Toggl Track, so those all require separate tools.

Key differences at a glance

Time tracking depth: Toggl Track focuses entirely on tracking with browser extensions and team-level reports. Paymo includes time tracking as part of a broader project management suite.
Project management: Paymo includes Kanban boards, Gantt charts, and task dependencies. Toggl Track has no project management, only time entries organized by project tags.
Invoicing: Paymo generates invoices from tracked time. Toggl Track has no invoicing at all, so hours tracked have to be manually moved to a separate invoicing tool.
Free plan: Toggl Track's free plan supports up to 5 users. Paymo's free plan is limited to 1 user and 5 clients.
Pricing model: Both use per-user pricing. Paymo Starter is $9.9/user/month. Toggl Track Starter is $10/user/month. Costs grow as teams expand.
Client portal and proposals: Neither tool has proposals, contracts, or a client portal. The entire client-facing side of the workflow lives in other apps for both.

The verdict? Paymo suits workflows that need project management and time tracking in one tool, but stops before proposals, contracts, and client portals. Toggl Track suits workflows where time tracking is the only gap, but stops before invoicing and everything else. If you need one app that covers proposals, contracts, time tracking, invoicing, and a branded client portal, Plutio covers everything for $19/month.

Tired of tracking time in one app and invoicing in another?

One branded platform. Time tracking to invoice.

Proposals, contracts, Kanban boards, task-level time tracking, invoicing, and white-labeled client portals. All connected for $19/month.

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Plutio - Your entire business, one login away

4.6/5 Rating

4.4/5 Rating

4.6/5 Rating

4.7/5 Rating

Time tracking experience

You start a client call or begin a task. How do you capture that time? And how reliably does the interface stay out of the way?

Paymo

Time tracking built into project context. Paymo time tracking connects directly to tasks. Hours log against specific tasks inside projects, which means reports show not just total time but which tasks consumed those hours. The desktop app runs in the background, a timer widget sits in the taskbar, and the web app includes a timeline view that reconstructs your day from tracked sessions. Idle detection pauses the timer when activity stops.

Task-level time tracking inside projects
Desktop app with background timer
Idle detection and time reminders
Timeline reconstruction view
Interface is busier than dedicated time trackers
Mobile app gets mixed reviews for reliability

Toggl Track

One-button tracking with minimal friction. Toggl Track keeps time tracking as simple as one click. The browser extension starts a timer from any website. The desktop app runs as a lightweight background process. Projects and tags organize entries, and the web dashboard shows time by project, client, or tag over any date range. The interface takes under an hour to learn, but tracked time still goes nowhere until it is manually moved into an invoicing tool.

One-click start from browser extension
Desktop and mobile apps on all platforms
Time audit detects gaps and overlaps
Reports by project, client, or tag
No native connection to invoicing
No task-level project management context

Project management

The client signed off. There are tasks to coordinate, deadlines to track, and progress to communicate. Does the tool handle the actual project work?

Paymo

Full project management with Kanban, Gantt, and task dependencies. Paymo includes Kanban boards, list view, table view, and Gantt charts with task dependencies. Projects have milestones, subtasks, and file attachments. Task templates let you duplicate a project structure for repeat work. The combination of visual views and time tracking in the same interface means hours are always connected to the work that generated them.

Kanban and list views
Gantt charts with task dependencies
Milestones and subtasks
Task templates for repeat projects
No client-facing project portal
Free plan limits users and clients

Toggl Track

No project management. Toggl Track is a time tracker, not a project management tool. Projects exist in Toggl Track as organizational tags that group time entries, but there are no tasks, no Kanban boards, no Gantt charts, and no subtasks. Teams that need project management alongside Toggl Track open a separate tool: Asana, Trello, or ClickUp. Toggl Plan is a separate Toggl product for project planning, but it doesn't bundle with Toggl Track.

Projects as organizational tags
Estimated hours per project
No tasks or task lists
No Kanban or Gantt views
Toggl Plan is a separate paid product
No subtasks or dependencies

Invoicing and billing

Hours are tracked. Now those hours need to turn into an invoice. Does the tool close the loop, or does the data have to move somewhere else?

Paymo

Invoices generated from tracked time. Paymo converts tracked hours into invoices directly. You select unbilled time entries, choose a project or client, and generate an invoice from the tracked hours. Invoice templates are customizable with your logo and colors. Paymo also supports fixed-fee invoices and expense tracking. Online payments connect through Stripe, PayPal, or Square.

Time-to-invoice in a few clicks
Fixed-fee and hourly invoice options
Expense tracking and billing
Stripe, PayPal, and Square integration
No recurring billing for retainer clients
Limited invoice customization compared to accounting tools

Toggl Track

No invoicing. Toggl Track does not generate invoices. Time entries can be exported as CSV or shared as reports, but turning those hours into an invoice happens in a different tool. FreshBooks and QuickBooks both connect to Toggl Track through integrations, but each hour transfer still requires leaving Toggl Track, opening the invoicing tool, and creating the invoice manually. Most users spend 15-30 minutes per client per month on this handoff.

CSV export of time entries
FreshBooks and QuickBooks integrations
No native invoice generation
No payment processing
Manual data transfer to invoicing tool required

Reporting and time data

Where did the hours go? Which projects are over budget? Which clients generate the most revenue per hour worked?

Paymo

Reports tied to project budgets and how much each project earns per hour. Paymo reporting connects time to project budgets. You can see how many hours remain on a project, which team members logged the most time, and which tasks consumed the most hours. Budget alerts notify you before a project goes over. The report builder filters by team member, project, client, and date range.

Budget tracking and alerts
Reports by team member, project, and client
Task-level time breakdown
Report export limited on lower plans

Toggl Track

Detailed time reports by project, client, and tag. Toggl Track reports show time breakdowns by project, client, tag, and team member over any date range. The summary, detailed, and weekly views serve different use cases. The billable hours filter separates tracked time by billable status. Reports export to CSV or PDF. The Premium plan adds saved reports and scheduled report emails.

Summary, detailed, and weekly report views
Billable vs non-billable filtering
CSV and PDF export
Saved and scheduled reports on Premium only
No project budget tracking

Team collaboration

The team grows. Tasks need assigning, hours need reviewing, and project status needs to stay visible without a weekly check-in email.

Paymo

Task assignments and team time tracking inside projects. Paymo supports team collaboration at the task level. Tasks assign to specific team members, managers can view time logged by each person, and project timelines show who is working on what. The Business plan adds guest access and more collaboration features. Team workload views show capacity across the team.

Task assignments per team member
Manager review of team time logs
Team workload view
Guest access on Business plan only
No client-facing portal for team communication

Toggl Track

Team time tracking with manager visibility. Toggl Track Starter and Premium support team tracking. Managers see all team time entries, filter by team member, and run reports across the group. The team dashboard shows who is currently tracking, what project they are on, and whether sessions have gone idle. Admins can edit team members' time entries to fix mistakes. There are no task assignments or project coordination features.

Team time visibility for managers
Who-is-tracking-now dashboard
Admin editing of team time entries
No task assignments
No project coordination or communication

Client-facing features

A client asks for a project update. Where do they look? Is there a portal they can log into, or does everything go through email?

Paymo

No client portal or client login. Paymo has guest access on the Business plan, which lets external collaborators view specific projects. But there is no dedicated client portal where clients log in to check progress, approve work, or view invoices in one place. Client communication and updates happen through email. There are no proposals or contracts inside Paymo, so the pre-project workflow lives in separate tools.

Guest project access on Business plan
No dedicated client portal
No client login with branded URL
No proposals or contracts
Client communication stays in email

Toggl Track

No client-facing features at all. Toggl Track has no client portal, no proposals, no contracts, and no client login. Clients can receive shared time reports as read-only links, which show hours logged by project. Shared read-only report links are the full extent of the client-facing capability. Everything else, including status updates, invoices, file sharing, and approvals, happens in other tools.

Shared read-only time report links
No client portal
No proposals or contracts
No invoice delivery inside the tool
No file sharing or approval workflows

Skip the comparison?

Get time tracking, projects, and billing in one place

Paymo and Toggl Track handle hours. Plutio handles the entire workflow: proposals, projects, time tracking, invoicing, and white-labeled client portals.

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4.6/5 Rating

4.4/5 Rating

4.6/5 Rating

4.7/5 Rating

Paymo vs Toggl Track pricing breakdown

Both tools use per-user pricing, which means costs scale with team size. Solo users pay roughly the same on entry plans, but teams of three or more see the cost difference compound quickly across both platforms.

Paymo Pricing (2026)

Free: $0/month. Limited to 1 user and 5 clients. Includes time tracking, basic task management, and limited storage. Most freelancers hit the client limit within the first month.
Starter: $9.9/user/month (annual). Unlimited clients, 50GB storage, basic invoicing, and all time tracking features. The entry point for active freelancers.
Small Office: $15.9/user/month (annual). Adds Gantt charts, budget tracking, and more advanced reporting. Most small teams land here.
Business: $23.9/user/month (annual). Adds guest access, priority support, and advanced team features. A team of three costs $71.70/month on this plan.

Toggl Track Pricing (2026)

Free: $0/month for up to 5 users. Includes unlimited time tracking, projects, and basic reporting. No invoicing, no integrations beyond Zapier.
Starter: $10/user/month (annual). Adds time rounding, billable rates, and integrations. Still no invoicing.
Premium: $20/user/month (annual). Adds saved reports, scheduled emails, time tracking audit, and project forecasting. A team of three costs $60/month. Still no invoicing.

The real cost: what users actually pay

Since neither tool covers the full client workflow, most users build a stack around them:

Client intake and proposals: HoneyBook or Bonsai ($19-39/month)
Invoicing (for Toggl Track users): FreshBooks or Wave ($0-17/month)
Client portal: No native option in either tool, often handled through Notion or a custom solution ($0-16/month)

A typical three-tool stack for a Toggl Track user runs $30-72/month on top of Toggl costs. Paymo users still need invoicing for retainers and proposals for client intake. All-in-one platforms like Plutio start at $19/month for solo users with proposals, contracts, time tracking, invoicing, and a white-labeled client portal included.

The verdict: Toggl Track's free plan for up to 5 users is one of the best in the category. At the paid level, Paymo provides more value per dollar for users who need project management with time tracking. Toggl Track is cheaper if time tracking is the only need, but invoicing always adds external cost.

Which tool is better for your business type?

The fundamental trade-off: Paymo is a project management tool with time tracking built in, while Toggl Track is a time tracking tool with reporting built in. The right choice depends on whether project coordination or time capture is the primary gap.

Freelancers billing hourly

Both tools serve hourly freelancers, but differently. Toggl Track captures time with minimal friction, starting with one click from any browser tab, and exports hours for invoicing elsewhere. Paymo captures time inside projects and converts hours to invoices without leaving the platform. Freelancers who send 5 or fewer invoices per month and already use a separate invoicing tool often prefer Toggl Track's clean interface. Freelancers who want time tracking and invoicing in one tool typically choose Paymo.

Small agencies and teams

Paymo handles team coordination that Toggl Track doesn't. Task assignments, Gantt charts, and workload views give project managers visibility into team capacity. Toggl Track shows who is tracking time, but has no task management. For agencies running multiple client projects simultaneously, Paymo's project management features reduce the need for a separate tool. At Paymo Business pricing ($23.9/user/month), a team of five costs $119.50/month, comparable to dedicated project management tools that don't include time tracking.

Consultants and coaches

Consultants who mix project-based and hourly work need time tracking that connects to invoices. Paymo handles this in one platform. Consultants who mainly track time for internal reporting or client accountability often find Toggl Track's reporting sufficient. Neither tool has retainer billing, so consultants on monthly retainers still need a separate invoicing solution for automatic recurring charges.

Remote teams across time zones

Toggl Track's free plan for up to 5 users makes it a low-commitment option for distributed teams starting to track time. Paymo's team features require paid plans but offer workload management that helps coordinate across time zones. Neither tool replaces a dedicated communication platform for remote coordination.

Businesses needing client-facing workflows

Both tools fall short here. Client portals, proposal delivery, and contract signing don't exist in either platform. Businesses where clients need visibility into project progress and a place to approve deliverables or pay invoices will need a third tool regardless of whether they choose Paymo or Toggl Track.

What both tools are missing

Paymo and Toggl Track both cover time tracking. Paymo goes further with project management and basic invoicing. But both stop well before the full client workflow, and most users end up opening two or three other apps to cover what's missing.

No proposals or contracts

Neither tool has a way to send a proposal or have a client sign a contract. The client acquisition and onboarding phase happens entirely outside both platforms. Most users handle this in HoneyBook, Bonsai, or Plutio, then manually recreate projects in Paymo or start a Toggl Track project once the work begins. Each client acquisition requires copying information between systems.

No client portal

Clients can receive shared Toggl Track reports as read-only links showing hours logged. Paymo Business includes guest project access. But neither tool has a client-facing portal where clients log in, see project progress, approve deliverables, download files, and pay invoices from one place. For businesses where the client experience is part of the service, both tools require a separate portal solution. Platforms like Plutio include a white-labeled client portal where clients see only your brand.

No recurring billing for retainer clients

Paymo invoices can go out on a schedule, but clients have to pay each one manually. Toggl Track has no invoicing at all. Consultants and agencies on monthly retainers often want automatic recurring charges so payment happens without manual follow-up. Neither platform handles this, so retainer clients typically mean a Stripe subscription or separate billing tool on top of whichever time tracker is in use.

Integrations instead of a workflow

Toggl Track integrates with 100+ tools through Zapier, including FreshBooks, QuickBooks, Asana, and Trello. Paymo integrates with a smaller set natively. Integrations connect tools but do not handle the data transfer automatically, so time logged in Toggl Track still needs manual review before it becomes an invoice. Time logged in Toggl Track still needs manual review before it becomes an invoice in FreshBooks. Task completed in Asana doesn't automatically create a Toggl Track entry. Each connection point is another handoff that takes time.

Per-user pricing compounds team cost

Both tools charge per user, which means every person added to the team adds to the monthly bill. Paymo Business at $23.9/user/month costs $119.50/month for a team of five before any supplementary tools. Toggl Track Premium at $20/user/month costs $100/month for the same team. For small agencies managing the full tool stack, per-user pricing across multiple tools adds up faster than a single flat-rate platform.

What users do when neither tool is enough

When Paymo or Toggl Track doesn't cover the full workflow, users take one of two paths: build a multi-tool stack and manage the overhead, or switch to a platform that handles more of the workflow in one subscription.

The typical workaround stack

Paymo or Toggl Track for time tracking ($0-24/user/month)
HoneyBook, Bonsai, or Dubsado for proposals and contracts ($20-40/month)
FreshBooks or Wave for invoicing if using Toggl Track ($0-17/month)
Notion or a custom page as a client-facing update hub ($0-16/month)
Google Drive or Dropbox for file sharing ($0-15/month)

A full stack for a solo freelancer runs $40-92/month across three to five tools, with manual data movement between each one at the end of every project.

The hidden cost: time spent on handoffs

Each transition between tools takes time. Exporting Toggl Track hours to a spreadsheet, importing them into FreshBooks, formatting the invoice, and sending it takes 20-40 minutes per client per billing cycle. Across 10 clients, that's 3-7 hours monthly on administrative transfer that connected tools would handle automatically.

The one-platform alternative

All-in-one platforms handle intake, project management, time tracking, and invoicing in one subscription. The trade-off is migrating from a familiar tool stack to a new interface. For users who have built habits around Toggl Track's one-click interface or Paymo's Gantt views, the switch involves a learning period. For users spending hours per month on tool handoffs, the switch often recovers that time within the first month.

What one platform looks like in practice

If you are curious: Plutio is one platform that covers the complete workflow. Proposals convert to projects with task templates. Time tracking connects to tasks inside projects. Tracked hours become invoices in a few clicks. Clients access a portal at your domain to check progress and pay invoices. The comparison table below shows exactly where Plutio fills the gaps that Paymo and Toggl Track leave open. The goal is not to push you toward Plutio specifically, but to show what a unified workflow can look like versus the multi-tool approach.

Final verdict: Paymo vs Toggl Track

Paymo and Toggl Track both handle time tracking, but they serve different workflows. Paymo is a project management tool with time tracking built in. Toggl Track is a time tracking tool with reporting built in. The differences emerge in what you need before and after the hours are logged.

Paymo trade-offs:

Includes project management and time tracking in one tool, but the free plan covers only one user and five clients, so most active freelancers reach the limit within their first month
Converts tracked hours to invoices without switching apps, but recurring billing for retainer clients doesn't exist, so monthly retainers still need a separate billing solution
Kanban boards and Gantt charts are included, but there's no client portal where clients log in to see project progress or pay invoices
Per-user pricing on the Business plan ($23.9/user/month) grows costly for teams of four or more, without covering proposals or contracts

But know that: Paymo covers more of the workflow than Toggl Track, but the full client lifecycle still requires separate tools for proposals, contracts, and client communication.

Toggl Track trade-offs:

Time tracking with minimal setup and a clean interface, but there's no invoicing, no project management, no proposals, and no contracts
The free plan for up to 5 users makes team time tracking accessible, but every other part of running a client business happens in separate tools
Browser extension starts tracking from any tab, but tracked hours have to be manually moved into an invoicing app at the end of each billing cycle
Reports show time by project, client, and tag, but without project budget tracking, there's no way to see which projects are running over

But know that: Toggl Track's narrow focus is its core trade-off. The narrower the scope, the more gaps remain that other tools have to fill.

Consider switching to one platform if:

Time tracking, project management, invoicing, and proposals all live in separate apps and data moves between them manually each month
Manual data transfer between tools is consuming 3-5 hours per month that connected software would handle automatically
Clients ask for project status updates and there's no good place to send them without a phone call or an email thread
Per-user pricing across multiple tools is adding up faster than a single flat-rate subscription would cost
Proposals and contracts live outside the time tracking tool and client onboarding requires setup in two or three apps before work begins

But know that: Switching means learning a new system and migrating existing projects and client data. For most users, this takes a focused weekend. The time saved on monthly handoffs typically recovers that investment within the first billing cycle.

The bottom line: Paymo bundles project management and time tracking in one tool, but stops before proposals, contracts, and client portals. Toggl Track does time tracking with a clean interface, but stops before invoicing, project management, and anything client-facing. Both solve the tracking problem and stop there. If your workflow already spans three or four tools to cover what both lack, the comparison table below shows how all-in-one platforms like Plutio stack up against both.

Research & Sources

This comparison is based on direct hands-on testing, official documentation review, and analysis of user feedback across major review platforms. All data was verified in March 2026.

Research methodology

Each tool was evaluated through active trial accounts, official feature documentation, and analysis of 400+ user reviews across G2 and Capterra. Common pain points from 3-star and below reviews were prioritized, as these surface genuine limitations rather than promotional feedback.

Platform ratings (March 2026)

Paymo: 4.6/5 on G2 (700+ reviews), praised for task-level time tracking and project views, criticized for per-user pricing and missing client portal
Toggl Track: 4.6/5 on G2 (1,500+ reviews), praised for simplicity and reporting, criticized for missing invoicing and project management
Plutio: 4.6/5 on G2 (200+ reviews), praised for all-in-one coverage and white-labeling

Common user complaints (from 1-3 star reviews)

Paymo users frequently mention: "Per-user pricing gets expensive for teams," "No client portal," "Missing proposals and contracts," "Mobile app reliability issues"

Toggl Track users frequently mention: "No invoicing built in," "Have to use multiple tools for a full workflow," "No project management," "Exporting data to invoice manually is tedious"

Pricing sources (verified March 2026)

Paymo: Official pricing page
Toggl Track: Official pricing page
Plutio: Official pricing page

Feature verification

If you find any inaccuracies or outdated information, please let us know so we can investigate and update.

Paymo vs Toggl Track vs Plutio: full feature comparison

See how all three tools compare on time tracking, project management, invoicing, and client portals

PRICING Collapse	Plutio 198/199	Paymo 53/199	Toggl Track 21/199
Starting price	$19/month (Core plan)	$9.90/user/month (Starter, $5.90/user annual). Free plan available.	$9/user/month (Starter, annual) or $10/user/month (monthly). Free plan for up to 5 users.
Free plan	No free plan (14-day trial available)	Free plan (unlimited users, 5 clients, 10 projects)	Free plan for up to 5 users (unlimited projects, basic reports, no billable rates)
Trial period	14-day free trial	15-day free trial on paid plans	Free plan available (no trial needed)
PROJECT MANAGEMENT Collapse	Plutio 198/199	Paymo 53/199	Toggl Track 21/199
Manage projects and tasks	Fully flexible project and task setup you can shape to your workflow	Full project management with List, Table, Board, Calendar, and Gantt views	Basic project and task management (no kanban, no Gantt, no dependencies)
Project roles and permissions	Control exactly who can view or edit each part of a project	Admin and member roles (no granular project-level permissions)	Admin and member roles (Premium plan adds billable rate visibility controls)
Multiple task boards	Unlimited boards to run parallel workflows in the same project	Single board per project with multiple views (List, Table, Board)	No board views (list-only task display)
Embeddable project boards	Live project boards embedded into client portals or websites	No embeddable project boards	No embeddable boards
Sharable project boards	Read-only public links for sharing progress without risk	No shareable project boards	No sharable project boards
Project stages and milestones	Define custom project lifecycles for different types of work	Task statuses only (no formal milestones)	Project status and estimates only (no milestones or stage tracking)
Connected proposals, contracts, and invoices	Everything related stays connected to the project automatically	Estimates can be converted to invoices (no proposals or contracts)	No proposals, contracts, or invoicing workflow
Custom project data fields	Track, sort, filter, and report on custom project data	Limited custom fields (Business plan only)	No custom project fields
Kanban boards	Drag-and-drop tasks across customizable columns	Kanban board view available	No kanban boards
Table view	Bulk-edit tasks like a spreadsheet	Table view available	Basic list/table view for tasks
List view	Clean task lists with clear hierarchy	List view available	Default list view for tasks
Calendar view	See tasks and deadlines on a calendar	Calendar view available	Calendar integrations (Google/Outlook) available but no native calendar view
Gantt view	Plan work visually with task order and dependencies	Gantt chart view (Business plan)	No Gantt view
Subtasks	Break work down into multiple nested levels	Subtasks supported	Tasks and checklists (no nested subtask hierarchy)
Email to task	Turn emails into tasks without manual copying	No email to task	No email-to-task feature
Task comments	Keep discussions tied directly to each task	Task comments with @mentions	Comments on time entries and projects
Task attachments	Store files directly on the task they belong to	File attachments on tasks	File attachments on time entries
Task priorities	Define priority levels that fit your workflow	Priority levels on tasks	No task priority levels
Task labels & color coding	Use unlimited labels to visually organize tasks	Tags and color coding on tasks	Project color coding
Multiple task assignees	Assign tasks to one or multiple teammates	Multiple assignees per task	Single assignee per task
Task templates	Reuse task-level structures across projects	Project and task templates	Project templates (Starter+)
Task permissions	Control access at the individual task level	Basic permissions via project roles	Admin and member role permissions only
Task dependencies	Prevent work from starting out of order	Task dependencies with Gantt view (Business plan)	No task dependencies
Recurring tasks	Automate repeating work with flexible schedules	Recurring tasks supported	No recurring tasks
Custom task data fields	Add task-level fields for tracking custom details	Custom fields on tasks (Business plan only)	No custom task fields
TIME TRACKING Collapse	Plutio 198/199	Paymo 53/199	Toggl Track 21/199
Time tracking system	Easily track time using timers or manual entries	Built-in time tracker with timer, manual entry, and desktop widget	Full-featured time tracker with start/stop timer, manual entry, browser extension, offline sync, and Pomodoro mode
Task-level tracking	Log time directly against tasks and subtasks	Track time per task	Track time per task with start/stop timer and manual entry
Project-level tracking	See time spent per project and per client	Track time per project with budget tracking	Time rolled up per project with reports
Billable time tracking	Clearly separate billable and non-billable time	Billable and non-billable time tracking	Billable rates on Starter+ plan ($9/user/month annual)
Billable time invoicing	Turn tracked time into invoices without extra steps	Convert tracked time to invoice line items	Basic PDF invoice export (limited — no discounts, no payment tracking, Toggl branding on free)
Timesheet reports	View detailed time reports by task, project, or client	Detailed timesheet reports with filtering and export	5 report types: Summary, Detailed, Workload, Profitability, My Reports. 11+ filter properties.
Team timesheets	See how each team member tracks their time	Team timesheets with approval workflow	Team timesheet views with member-level breakdowns (Starter+)
PROPOSALS Collapse	Plutio 198/199	Paymo 53/199	Toggl Track 21/199
Create and send proposals	Create proposals clients can review, approve, and sign in one flow	No proposal feature (estimates only)	No proposals
Drag-and-drop proposal builder	Create custom, branded proposals without layout limits or code	No proposal builder	Not supported
Reusable proposal templates	Reuse proven proposal layouts across clients	No proposal templates	Not supported
Real-time proposal analytics	See exactly when proposals are opened and reviewed	No proposal analytics	Not supported
Live messenger on proposals	Answer questions directly while clients review proposals	No proposals	Not supported
Proposal flow automation	Move from proposal to contract, invoice, or booking automatically	No proposal automation	Not supported
Convert proposal to invoice	Create invoices directly from approved proposals	Convert estimate to invoice	Not supported
Packages and add-ons	Offer upsells and add-ons directly inside proposals	No packages or add-ons	Not supported
Interactive pricing tables	Let clients choose options before approving	No interactive pricing tables	Not supported
Dynamic data and variables	Auto-fill proposal content with client and project data	No dynamic data/variables	Not supported
Expiration dates	Automatically expire proposals after a set date	No proposals	Not supported
PDF Export	Download as branded PDFs	No proposals to export	Not supported
Reusable content blocks	Create reusable proposal sections you can reuse on demand	No proposals	Not supported
Legally binding e-signatures	Collect secure electronic signatures on proposals	No e-signatures	Not supported
Custom proposal data fields	Create custom proposal data you can sort, filter, and report on	No proposals	Not supported
CONTRACTS Collapse	Plutio 198/199	Paymo 53/199	Toggl Track 21/199
Create and sign contracts	Create, send, and sign contracts in one continuous flow	No contract feature	No contracts
Drag-and-drop contract builder	Create fully custom contracts with flexible layouts, no code or formatting limits	No contract builder	Not supported
Legally binding e-signatures	Collect secure signatures with audit trails and signer verification	No e-signatures	Not supported
Multi-signature / signees	Collect signatures from multiple people on the same contract	No contract feature	Not supported
Reusable contract templates	Reuse contract structures to create new agreements faster	No contract templates	Not supported
Auto-reminders automation	Automatically follow up until contracts are signed	No contract feature	Not supported
Dynamic data/variables	Auto-fill contract content with client and project data	No contract feature	Not supported
Contract automation triggers	Trigger automated workflows the moment a contract is signed	No contract feature	Not supported
View notifications	See when contracts are opened and reviewed	No contract feature	Not supported
PDF download with signature certificate	Download signed contracts with official proof of signature	No contract feature	Not supported
Custom signer data fields	Collect structured signer information during signing	No contract feature	Not supported
Custom contract data fields	Create custom contract data you can sort, filter, and report on	No contract feature	Not supported
INVOICES & PAYMENTS Collapse	Plutio 198/199	Paymo 53/199	Toggl Track 21/199
Create invoices and get paid	Send invoices and collect payments in one connected flow	Create and send invoices with online payments	Basic PDF invoice generation from time reports (Toggl branding on free, limited fields)
Fully branded invoices	Match invoices to your brand with custom logos, colors, and layout	Branded invoices with logo and company details	Toggl branding on free plan. No custom branding on paid plans either.
Drag and drop invoice builder	Create custom invoice layouts visually without formatting limits	Template-based invoice creation (no drag-and-drop)	Not supported
Customizable line items	Edit pricing, quantities, descriptions, and structure freely	Customizable line items	No customizable line items (time entries only)
Item or invoice discounts	Apply discounts at the item or full invoice level	Discounts on invoices	No discount fields
Customizable taxes	Create tax rules that match your location and use case	Customizable tax rates	No tax configuration
ACH payments	Accept bank transfers for lower-fee payments	No ACH payments	Not supported
Stripe integration	Accept credit and debit cards instantly	No Stripe integration	Via Zapier or API
Square integration	Collect in-person payments when needed	No Square integration	Not supported
PayPal integration	Let clients pay using PayPal	PayPal integration available	Not supported
Flexible partial payments	Collect deposits and split payments across milestones	Partial payments supported	Not supported
Payment plans	Break invoices into scheduled installments	No payment plans	Not supported
Automated recurring invoices	Automatically send invoices on a recurring schedule	Recurring invoices	No recurring invoices
Subscription management	Manage ongoing client subscriptions and billing	No subscription management	Not supported
Automated payment reminders	Follow up automatically until invoices are paid	Automated payment reminders	No payment reminders
Reusable invoice templates	Reuse invoice layouts without rebuilding each time	Reusable invoice templates	Not supported
Multiple currency support	Bill clients globally in their local currency	Multiple currency support	Multiple currencies in reports (no multi-currency invoicing)
Invoice automation triggers	Trigger automated workflows when invoices are sent or paid	No invoice automation triggers	Not supported
View notifications	See when invoices are opened and paid	No invoice view notifications	Not supported
Built-in expense tracking	Track project-related costs alongside invoices	Built-in expense tracking with receipt scanning	No built-in expense tracking
Invoice deposits	Collect upfront payments before work starts	No invoice deposits	Not supported
Auto-invoice billable time	Turn tracked time into invoices automatically	Auto-invoice tracked billable time	Manual export to invoice from time reports
Custom invoice data fields	Create custom invoice data you can sort, filter, and report on	No custom invoice data fields	Not supported
INBOX Collapse	Plutio 198/199	Paymo 53/199	Toggl Track 21/199
Centralized unified inbox	Manage email, chat, and messages from one shared inbox	No unified inbox	No unified inbox
Full email integration	Connect and manage all your email accounts in one place	No email integration	Not supported
Embeddable live chat	Add real-time chat to your website and client portals	No live chat	Not supported
Instant direct messages	Message teammates privately without leaving your workspace	No direct messaging	Not supported
Contextual project conversations	Keep conversations tied directly to the project they belong to	Task comments only (no dedicated project conversations)	Not supported
Team channels	Create shared spaces for team-wide discussions	No team channels	Not supported
Customized channels	Organize channels by team, topic, or workflow	No channels	Not supported
@mentions	Notify teammates instantly inside conversations	@mentions in task comments	Not supported
Message read receipts	See when messages are read	No messaging	Not supported
File sharing in chat	Share files directly inside conversations	No chat (file attachments in task comments only)	Not supported
Shared email inbox	Collaborate on incoming emails as a team	No shared email inbox	Not supported
Inbox mobile app	Access and respond to messages on mobile	No inbox feature	Not supported
Email reply to inbox	Reply from your email client and keep conversations synced	No inbox feature	Not supported
FILES Collapse	Plutio 198/199	Paymo 53/199	Toggl Track 21/199
Store and manage files	Keep all client and project files in one organized place	File management with proofing and approval	No built-in file storage
Advanced folder organization	Organize files by project, client, or structure you choose	Project-based file organization	Not supported
Folder permissions	Control who can view or edit folders	Project-level access controls	Not supported
People folders	Group files by person when needed	No people-specific folders	Not supported
Project folders	Keep files scoped to each project	Files organized by project	Not supported
In-app previews	Preview files instantly without downloading	In-app file previews with proofing tools	Not supported
Custom file data fields	Capture file metadata you can sort and filter	No custom file data fields	Not supported
Built-in documents	Create and edit documents directly inside Plutio	No built-in document editor	Not supported
Comments on files and docs	Leave comments directly on files and documents	Comments on files with visual proofing annotations	Not supported
Bulk file actions	Move, tag, or manage many files at once	Basic bulk actions	Not supported
Files search & filter	Find files quickly using search and filters	Basic file search	Not supported
External cloud sync	Sync files with Google Drive or Dropbox	Google Drive and OneDrive integration	Not supported
Secure sharing controls	Restrict access with permissions or passwords	Project-based sharing controls	Not supported
File sharing links	Share files externally with controlled access	Share files via project links	Not supported
SCHEDULING Collapse	Plutio 198/199	Paymo 53/199	Toggl Track 21/199
Schedule meetings	Let clients book meetings directly without back-and-forth emails	Resource scheduling for team bookings (not client booking)	No scheduling or booking feature
Branded booking page	Build a fully branded, customizable booking system using a drag-and-drop editor	No public booking page	Not supported
Advanced availability management	Define flexible availability rules applied automatically to bookings	Resource scheduling with availability view (team-focused)	Not supported
Automatic buffer times	Add buffer time automatically between meetings	No buffer times	Not supported
Multiple meeting types	Create unlimited booking types with different rules and setups	No meeting types	Not supported
Calendar sync (Google/Outlook)	Two-way calendar sync that stays up to date automatically	Google Calendar sync	Google and Outlook Calendar integrations available
Customizable booking confirmations	Fully customizable confirmation pages with no layout or branding limits	No booking confirmations	Not supported
Redirect after booking	Send bookers anywhere after scheduling, not just a fixed thank-you page	No booking page	Not supported
Booking automation triggers	Trigger automated workflows the moment a meeting is booked	No booking automation	Not supported
Smart meeting reminders	Send automatic reminders without manual follow-ups	Task deadline reminders	Not supported
Automatic timezone detection	Handle timezones automatically without manual adjustments	No timezone detection for bookings	Automatic timezone detection per user
Paid appointments (Stripe/PayPal)	Collect payments during booking without extra steps	No paid appointments	Not supported
Custom booking forms	Build booking forms with full control over questions and layout	No booking forms	Not supported
Minimum notice / daily booking limits	Set booking limits to control lead time and daily volume	No booking limits	Not supported
Rescheduling and cancellation controls	Define flexible rules for rescheduling and cancellations	No rescheduling controls	Not supported
AUTOMATION Collapse	Plutio 198/199	Paymo 53/199	Toggl Track 21/199
Automated workflows builder	Build advanced workflows visually without code or rigid templates	No automation builder	No workflow automation builder
Trigger-based workflows	Start workflows from real events across projects, clients, and payments	No trigger-based workflows	Not supported
Schedule-based workflows	Run workflows on schedules you control, not fixed intervals	No schedule-based workflows	Not supported
Multi-step workflows	Chain multiple actions into one continuous automation	No multi-step workflows	Not supported
True/False branching	Create conditional paths instead of one-size-fits-all flows	No branching logic	Not supported
Delay-based actions	Add precise timing between steps, down to minutes or days	No delay-based actions	Not supported
Create & update records	Create, update, or move records automatically across the system	No automated record creation	Not supported
Move & duplicate records	Reorganize work automatically without manual cleanup	No automated move/duplicate	Not supported
Delete & archive records	Automatically archive or remove records based on rules	No automated delete/archive	Not supported
API calls (webhooks)	Trigger or receive real-time events from external systems	API available (REST API)	Via Zapier or REST API
Send emails	Send automated emails tied to real workflow events	No automated email sending	Not supported
Post comments	Add notes or comments automatically where work happens	No automated comment posting	Not supported
Complete automation logs	See exactly what ran, when, and why	No automation logs	Not supported
Auto-fill data/variables	Pass data between steps dynamically without manual mapping	No auto-fill variables	Not supported
Cross-entity connections	Run workflows that span projects, tasks, proposals, invoices, and more	Time entries linked to projects and invoices	Not supported
FORMS Collapse	Plutio 198/199	Paymo 53/199	Toggl Track 21/199
Create branded forms	Build fully branded forms that match your workflow and client experience	No form builder	Not supported
Drag-and-drop form builder	Design forms visually with full layout control, no code required	No form builder	Not supported
Reusable form templates	Reuse form structures without rebuilding from scratch	No form templates	Not supported
Custom form data fields	Collect structured data you can sort, filter, and report on	No forms	Not supported
Smart conditional logic	Show or hide fields based on responses, not static forms	No forms	Not supported
Instant email notifications	Get notified immediately when forms are submitted	No forms	Not supported
Form automation triggers	Trigger automated workflows when a form is submitted	No forms	Not supported
Embed forms	Embed forms anywhere without layout restrictions	No forms	Not supported
Advanced field preferences	Control required, hidden, and default field behavior	No forms	Not supported
Comprehensive field types	Collect text, files, dates, selections, and more	No forms	Not supported
Form signature field	Collect legally binding signatures directly inside forms	No forms	Not supported
File upload fields	Accept file uploads as part of form submissions	No forms	Not supported
Redirect after submission	Send submitters to a custom next step, not a fixed thank-you page	No forms	Not supported
CRM Collapse	Plutio 198/199	Paymo 53/199	Toggl Track 21/199
Manage clients and leads	Manage contacts and companies in one connected system	Client list for invoicing (no lead management)	Client/project tracking in reports only (no CRM features)
Full company management	Track organizations, not just individual contacts	Client companies for billing only	Not supported
Custom contact data fields	Collect and manage structured contact data you define	No custom contact fields	Not supported
Complete activity timeline	See every interaction with a client in one place	No activity timeline	Not supported
Contacts labeling and grouping	Organize contacts flexibly without rigid pipelines	Client categories	Not supported
WIKI Collapse	Plutio 198/199	Paymo 53/199	Toggl Track 21/199
Comprehensive knowledge base	Create an internal wiki for processes, docs, and guides	No knowledge base or wiki	Not supported
Beautiful rich text pages	Write structured, formatted content without complexity	No wiki pages	Not supported
Unlimited nested pages	Build deep knowledge hierarchies without limits	No wiki pages	Not supported
Granular page permissions	Control exactly who can view or edit each page	No wiki pages	Not supported
DASHBOARDS Collapse	Plutio 198/199	Paymo 53/199	Toggl Track 21/199
Custom dashboards and pages	Build dashboards around what matters to you, not fixed metrics	Basic project dashboard with summary views	Basic reporting dashboard (not a customizable dashboard builder)
Drag-and-drop dashboard builder	Design dashboards visually with full layout control	No dashboard builder	Not supported
Charts widget	Visualize data with customizable charts	Basic project progress charts	Charts in reports only
Metrics widget	Track key numbers without manual reporting	Basic time and budget metrics	Not supported
Goals widget	Monitor progress toward defined goals	No goals widget	Not supported
Notes widget	Add contextual notes directly to dashboards	No notes widget	Not supported
Calendar widget	View upcoming events alongside work and metrics	No calendar widget on dashboard	Not supported
Financial widgets	Track revenue and expenses in the same view	Basic invoice and expense summaries	Not supported
BRANDING Collapse	Plutio 198/199	Paymo 53/199	Toggl Track 21/199
White-label and branding	Run the entire platform under your brand	No white-label branding	No white-labeling
Custom interface theme	Apply your brand colors across the system	No custom interface theme	Not supported
Stylesheet customization	Fine-tune styling beyond basic theming	No stylesheet customization	Not supported
Custom login/signup pages	Use branded authentication pages instead of generic screens	No custom login pages	Not supported
Email branding	Send all system emails with your branding	No email branding customization	Not supported
Custom brand fonts	Use your own fonts throughout the platform	No custom fonts	Not supported
Custom brand logos	Replace all platform logos with your own	Custom logo on invoices	Not supported
Custom domain name	Run everything on your own domain	No custom domain	Not supported
Custom email SMTP	Send emails from your own email infrastructure	No custom SMTP	Not supported
Full workspace embedding	Embed Plutio directly into your website or product	No workspace embedding	Not supported
CUSTOMIZATION Collapse	Plutio 198/199	Paymo 53/199	Toggl Track 21/199
Flexible workspace setup	Shape the platform to match how your business works	Workspace organized by projects	Workspaces, projects, and clients only (no nested hierarchy)
Main menu editor	Add, remove, or reorder navigation items freely	No menu editor	Not supported
User-based menus	Show different navigation for different roles	No user-based menus	Not supported
Custom user roles	Create role types beyond preset permissions	Fixed roles (Admin, User)	Admin and member roles (Premium adds rate visibility)
Advanced user permissions	Control access at a granular level	Basic role-based permissions	Admin and member permissions by workspace and project
SSO / OAuth	Support enterprise-grade single sign-on	Google sign-in	SSO on Premium plan ($18/user/month annual)
INTEGRATIONS Collapse	Plutio 198/199	Paymo 53/199	Toggl Track 21/199
Connect with other tools	Integrate with external systems without lock-in	Zapier, Slack, Google Calendar, QuickBooks, and more	100+ integrations via browser extension and native connections (Jira, Asana, Salesforce, QuickBooks, Trello, Todoist)
Zapier integration	Connect to thousands of apps without custom code	Zapier integration	Full Zapier integration
Make.com integration	Build advanced automation scenarios visually	No Make.com integration	Make.com integration via API
Pabbly Connect	Connect services without usage-based limits	Pabbly Connect integration	Possible via API
Full REST API access	Build custom integrations with full system access	REST API available	Full REST API available
Incoming & outgoing webhooks	Send and receive real-time events	Webhooks via Zapier	Webhooks via API and Zapier
PLATFORM Collapse	Plutio 198/199	Paymo 53/199	Toggl Track 21/199
Mobile apps	Access your business from native mobile apps	Native iOS and Android apps	iOS and Android apps
iOS app	Full-featured iPhone app	Native iOS app	Full iOS app available
Android app	Full-featured Android app	Native Android app	Full Android app available
Mac desktop app	Native macOS app for desktop workflows	Desktop widget for time tracking	Native Mac desktop app
Windows desktop app	Native Windows app for desktop workflows	Desktop widget for time tracking	Native Windows desktop app

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Paymo vs Toggl Track FAQ

Is Paymo or Toggl Track better for freelancers?

Paymo is better for freelancers who need project management and time tracking in one tool. Toggl Track is better for freelancers who already have project management covered and only need clean, reliable time capture with strong reporting. The key difference: Paymo converts tracked hours to invoices natively. Toggl Track requires a separate invoicing tool for every billing cycle.

Does Toggl Track have project management?

No. Toggl Track organizes time entries by project and tag, but there are no tasks, task lists, Kanban boards, or Gantt charts. Toggl Plan is a separate project management product from the same company, but it isn't bundled with Toggl Track and requires a separate subscription.

Which is easier to learn, Paymo or Toggl Track?

Toggl Track has a shorter learning curve. Most users start tracking time within minutes using the browser extension or mobile app without any training. Paymo has more features to configure, including projects, tasks, rates, and invoicing settings, so initial setup typically takes a few hours. Users who only need the time tracking part of Paymo often find it just as fast as Toggl Track once set up.

Does Paymo or Toggl Track have a client portal?

Neither tool has a client portal. Paymo's Business plan includes guest project access for external collaborators. Toggl Track lets you share read-only time report links with clients. Neither offers a branded client-facing space where clients log in, view project progress, approve work, and pay invoices. Platforms like Plutio include a fully white-labeled client portal with every plan.

How much does Paymo cost vs Toggl Track?

Paymo Starter costs $9.9/user/month (annual). Paymo Small Office costs $15.9/user/month. Paymo Business costs $23.9/user/month. Toggl Track Starter costs $10/user/month (annual). Toggl Track Premium costs $20/user/month. Both offer free plans: Paymo free supports 1 user and 5 clients. Toggl Track free supports up to 5 users with unlimited time tracking.

Does Toggl Track have invoicing?

No. Toggl Track does not generate invoices. Time entries export to CSV or connect to FreshBooks and QuickBooks through integrations, but the invoice itself is created in a separate tool. Paymo includes native invoicing that converts tracked hours to invoices directly without leaving the platform.

Which has better time tracking reports, Paymo or Toggl Track?

Both have strong reporting, but with different focuses. Toggl Track reports emphasize time breakdown by project, client, tag, and team member with billable vs non-billable filtering. Paymo reports connect time to project budgets and task-level breakdowns, showing how hours map to project health. Toggl Track's Premium plan adds saved and scheduled reports that Paymo's equivalent tier doesn't include.

Can I use Paymo or Toggl Track for proposals and contracts?

No. Neither Paymo nor Toggl Track has proposals or contracts. Client onboarding, proposals, and contract signing happen in separate tools for users of both platforms. Platforms like Plutio handle proposals and contracts in the same place as time tracking and invoicing, so the full client workflow stays in one system.

Can I migrate from Paymo to Toggl Track or vice versa?

Both tools export time entries as CSV files, which can be imported into the other platform. Projects and clients require manual recreation since there's no direct import path between the two. Time entry data is the main transferable asset. Active project tasks in Paymo have no equivalent structure in Toggl Track, so migration requires rebuilding the project organization from scratch in the new tool.

What if neither Paymo nor Toggl Track fits my workflow?

If you need proposals, contracts, invoicing, and a client portal alongside time tracking and project management, look at all-in-one platforms. Key features to compare: task-level time tracking that connects directly to invoices, client portals with custom domains, proposal and contract tools, and flat-rate pricing that doesn't scale per user. Plutio covers all of these in one subscription. The comparison table on this page shows where it fills the gaps both tools leave open.

Which tool is better for teams?

Paymo handles team coordination that Toggl Track doesn't. Task assignments, Gantt charts with dependencies, and workload views make Paymo more functional for teams managing project delivery alongside time tracking. Toggl Track shows team-level time data and manager visibility, but has no task coordination. For agencies running multiple client projects with a team, Paymo reduces the need for a separate project management tool. Toggl Track requires it.

Do Paymo and Toggl Track integrate with other tools?

Toggl Track integrates with 100+ tools through Zapier, and has native integrations with FreshBooks, QuickBooks, Asana, and Trello. Paymo integrates with Zapier, Slack, Google Calendar, and accounting tools. Both tools rely on integrations to cover the workflow gaps they don't fill natively, which means more connection points and more potential for data transfer friction at each handoff.

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