FSM Software True-Cost Calculator
Calculate the real all-in monthly and year-one cost of Jobber, Housecall Pro, ServiceTitan, and Workiz for your crew size, card volume, and attach costs — advertised vs true, itemized and cited.
How this is calculated
All-in monthly cost = base subscription + additional-seat fees + payment processing + your attach costs. Volume paid through financing or BNPL is carved out of the card volume first, so it is billed once — at the financing rate, not the card rate. Published add-on prices are listed on each vendor row; enter the ones you would actually buy under "other quoted add-ons" so they land in the total.
base = plan base price for chosen cadence + team-size band
additionalSeats = max(0, seats − seats included at that band)
seatCost = additionalSeats × perSeatMonthly
(not published when the vendor publishes neither the
included-seat count nor the per-seat price)
financedVolume = cardVolume × financedShare%
cardVolumeLeft = cardVolume − financedVolume
processing = (rate% / 100) × cardVolumeLeft + perTxnFee × txns
financing = (financingFee% / 100) × financedVolume
payroll = payrollFlat + payrollPerSeat × seats
attach = financing + payroll + insurance + other quoted add-ons
trueMonthly = base + seatCost + processing + attach
yearOneTotal = trueMonthly × 12 + one-time onboarding
delta = trueMonthly − base (advertised)"Advertised" is the vendor's headline price for the cadence and team size you chose — for Jobber that means the band its own selector puts your crew in, because the same plan carries a different price at "Just me" than at "6-10 people". Month-to-month cadence uses the higher month-to-month base, which vendors typically don't advertise as prominently. Figures marked as low as use a floor rate (Housecall Pro publishes card processing "as low as 2.59 %") — the actual cost may be higher. For what each platform takes per card payment on its own, without folding it into a seat-and-add-on total, see the FSM payment-processing fee calculator.
Where a figure is missing, the row goes quiet rather than guessing. A vendor that doesn't publish what a total needs is shown as "pricing not public — request a quote" and dropped from the ranking, and the row lists exactly which numbers are missing. That applies to whole vendors (ServiceTitan publishes nothing; Workiz publishes no base price, seat count or processing rate) and to single fields (Housecall Pro publishes a processing percentage but not the fixed per-transaction component). It also applies within Jobber: no price is published for a team of 16 or more, so those rows are quote-only rather than priced from a smaller band's number.
The attach lines — financing/BNPL, payroll, embedded insurance, other quoted add-ons, one-time onboarding — are yours, not benchmarks. No vendor in this comparison publishes a financing, payroll, insurance or onboarding rate, so the calculator asks instead of inventing one. Jobber is the only vendor that publishes any add-on price at all, and those prices are listed on its row. A field left at 0 means "I don't buy that", never "assumed free".
All vendor figures are from each vendor's own pricing page as of August 22, 2026 and carry no affiliation with or endorsement by any vendor listed.
How much does field-service software actually cost per month?
The advertised price is rarely the bill. For a solo operator Jobber’s Connect plan is $99 a month billed annually — but run $20,000 a month in card payments through it and processing adds $580 before a single extra seat or add-on. This calculator totals base price, seats, processing, published add-ons and the attach costs vendors don’t publish, using figures read from each vendor’s own pricing page on 22 August 2026.
What the advertised price leaves out
Every major FSM platform bills on three or four layers simultaneously. The base subscription is the visible number. Per-seat fees are the first invisible layer: Jobber charges $29 per seat above the count included at your team-size band, and Housecall Pro’s Max plan charges $75 per seat above eight. Payment processing is the second: $20,000 a month in card payments at Jobber’s 2.9% rate adds $580, twenty times the Core plan’s $29 annual-billed base. Add-ons are the third — Jobber’s Marketing Suite is $99 a month and its AI Receptionist $29 — so a crew running that card volume with both add-ons pays $708 a month more than the plan price. The plan-by-plan grids for the two vendors that publish enough to check sit at Jobber pricing and Housecall Pro pricing. For the processing layer on its own, across every vendor’s published rate rather than folded into one total, see the FSM payment-processing fee calculator.
The part of the bill no vendor prices in public
Seat price is what vendors compete on in the open. The money moving through the platform is where the category is heading, and none of it carries a published rate. On 12 August 2026 Housecall Pro announced two attach products on the same day: Klarna consumer financing at the point of sale, reported by PYMNTS, and embedded business insurance through Coverdash, announced on PR Newswire. Neither announcement disclosed a merchant fee, a commission or a premium. ServiceTitan’s own January 2026 release named AP Automation, Tap to Pay on Mobile and Integrated Financing, and priced none of them.
The pricing pages say the same thing from the other direction. Housecall Pro names eleven add-ons — payroll, accounting, voice, campaigns, dashcams, websites and the rest — and attaches a price to none of them. Workiz lists three “Genius” add-ons, each marked “sold separately”, with no figure anywhere on the page. Jobber is the exception: all three of its add-ons carry a published price.
So the attach panel asks for your numbers instead of inventing benchmarks. Enter the merchant rate your financing provider quoted, your payroll charge, an embedded-insurance premium, anything a rep quoted that the pricing page doesn’t list, and any one-time onboarding or migration fee. Volume you mark as financed is carved out of the card volume first, so it is billed once — at the financing rate, not the card rate. Because these are your rates rather than vendor rates, they are applied to every vendor identically: they change the size of the bill, not the order. A field left at zero means “I don’t buy that”, never “assumed free”. The one-time fee lands in the year-one column only and never in the monthly figure.
What “pricing not public” means here
ServiceTitan and Workiz do not publish subscription prices. The per-tech ranges that appear on third-party comparison sites are unverifiable against a primary source, so this calculator refuses to print them. Those vendors show “pricing not public — request a quote”, drop out of the ranked comparison, and each row names the specific figures that are missing rather than leaving you to guess what was assumed. As of August 2026 Workiz publishes nothing at all: base price, included seat count and per-seat fee each read “Request pricing”, so no line of a Workiz bill can be estimated here.
The same rule now applies inside Jobber. Jobber prices by self-selected team-size band, and at “16 or more” every plan card reads “Contact Sales” — so a crew of sixteen gets a quote-only row rather than a price extrapolated from a smaller band. Core is sold only at “Just me” and Plus only from “2-5 people” up; ask for a plan Jobber doesn’t sell at your team size and the calculator says so instead of quoting the solo rate. See why ServiceTitan’s column stays quote-only next to Jobber’s fully published bands for a direct read of that trade-off.
Annual vs. month-to-month
The cadence selector matters more than most buyers realize. For a solo operator Jobber’s Connect plan is $99/month when billed annually but $139/month month-to-month — a 40% premium. (Jobber prices by team-size band, so both figures rise with your crew: at two to five people the same plan is $149 annual against $199 month-to-month.) Switching from annual to monthly in the calculator shows you the true cost of flexibility before you commit to a yearly contract, and the year-one column shows what that choice costs across twelve months once onboarding is counted.
How the comparison stays neutral
The comparison is built from each vendor’s own pricing page, not from aggregator blogs or press releases. Every figure carries the date it was last verified, shown on the page rather than buried in metadata, and each row repeats the date its own numbers were read. Housecall Pro’s card processing is labeled “as low as 2.59%” because that is the floor rate they publish, not a flat rate — so those rows stay marked “as low as” throughout. No vendor gets a number we can’t trace to its primary source, and Fieldwynn does not appear in the neutral comparison table. If you want the reasoning behind the shortlist rather than the arithmetic, the field service software roundup and the FSM buyer’s hub for small operators cover it.
When to use this calculator
Use it when you have received a vendor demo or are comparing quotes, because that is the point at which you finally know your attach numbers. Plug in your actual crew size, the card volume you expect to run through the platform, and every rate a rep quoted you off the pricing page. Toggle between annual and month-to-month billing to see the flexibility premium. If a vendor comes back “pricing not public,” the calculator will tell you which figures it is missing — that is an accurate reflection of the vendor’s pricing model, not a data gap we’re hiding. The rest of the job pricing tools handle the other direction: what you charge, rather than what you pay.
Where to go once you have a number
A total is a starting point, not a shortlist. Written up vendor by vendor, the same math becomes a decision: the Jobber alternatives breakdown and the Housecall Pro alternatives comparison take the two vendors that publish enough for you to price them yourself, while the ServiceTitan alternatives page and the Workiz alternatives page deal with the harder case above — vendors whose bill you cannot price until you have talked to sales. If your accounting stack is doing double duty as your field tool, the QuickBooks alternative for contractors covers that gap instead.
Sources
- Jobber Pricing. Jobber. Retrieved .
- Housecall Pro Pricing. Housecall Pro. Retrieved .
- Workiz Pricing Plans. Workiz. Retrieved .
- ServiceTitan Pricing. ServiceTitan. Retrieved .
- Housecall Pro brings Klarna payment tools to home service pros (12 Aug 2026) — no merchant fee disclosed. PYMNTS. Retrieved .
- Coverdash partners with Housecall Pro, bringing embedded business insurance to home service pros (12 Aug 2026) — no price disclosed. PR Newswire. Retrieved .
- ServiceTitan introduces AP Automation and expands fintech suite (8 Jan 2026) — AP Automation, Tap to Pay on Mobile, Integrated Financing; no rate published. ServiceTitan. Retrieved .
Method last reviewed