Comparison
Timix.AI vs Paymo
Paymo is a polished all-in-one work-management suite — task boards, project management, resource scheduling, native invoicing on every plan, and native mobile and desktop apps — aimed at freelancers, agencies, and small creative teams. Timix.AI is narrower and deeper on the billable-hours side: dual cost and bill rates on every tier for true margin, budgets with hard limits (not just alerts), T&M/Fixed-Price/Overhead billing types, a built-in AI assistant, and an official MCP server so you can drive it from Claude or ChatGPT. Paymo bundles more surrounding project-management surface area; Timix focuses on getting client time, cost, and profitability exactly right. Both track deeply, but Paymo logs time at the task level while Timix logs every entry at the SubTask leaf. Verdict: pick Paymo if you want one affordable tool for project management plus invoicing and native apps; pick Timix.AI if billable-hours accuracy, margin analysis, budget enforcement, and AI/MCP are what you're optimizing for. And with Timix's one-tap simple-tracking mode, day-to-day logging stays as fast as any lightweight timer.
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Pricing, side by side
| Timix.AI | Paymo | |
|---|---|---|
| Free plan | $0 — up to 5 users, unlimited projects | $0 — 1 user only, capped at 1 client / 2 projects, 1GB (unlimited time tracking + invoices) |
| Free trial | 90-day full-access reverse trial, no credit card (launch offer) | 14-day free trial of the paid plans, no credit card |
| Entry paid tier (per seat/mo, annual) | Starter $7 ($9 monthly) | Solo $5.9 ($9.9 monthly) — single user only, caps 3 clients / 5 projects |
| Mid tier (per seat/mo, annual) | Professional $15 ($19 monthly) | Plus $10.9 ($15.9 monthly) — per user, unlimited users/projects ('Most Popular') |
| Top self-serve tier (per seat/mo, annual) | Business $29 ($36 monthly) | Pro $16.9 ($23.9 monthly) — per user, adds scheduling, workload & approvals |
| Seat model / minimum | Per-seat, no per-tier seat caps, no seat minimum — scales with you | Per user/mo on Plus & Pro (unlimited users); Free and Solo are single-user only |
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Feature by feature
| Feature | Timix.AI | Paymo |
|---|---|---|
| AI assistant/chat Timix: conversational AI chat, Starter+ (allowance grows by tier). Paymo: no native AI assistant is documented in Paymo's official feature list or help center as of July 2026 — treated as unknown, not absent. | Yes | Unknown |
| AI insights/predictions Timix: AI Insights on Business. Paymo: no native AI insights/analytics feature found in official docs as of July 2026 — unconfirmed, so marked unknown. | Yes | Unknown |
| Profitability & margin (cost vs bill rates) Timix: dual cost+bill rates on all tiers; client margin roll-up Professional+. Paymo: genuine Project Profitability with per-user internal cost rate vs billable rate, but gated to Plus and Pro. | Yes | Partial |
| Utilization & capacity Timix: built-in utilization & capacity. Paymo: employee/resource scheduling, load chart, and remaining-capacity view — but only on the top Pro tier. | Yes | Partial |
| Budgets + alerts Both have budgets + alerts; Paymo sets them at project AND task level with % threshold email/in-app alerts. Difference: Paymo's are soft alerts (notify only), while Timix adds hard limits that actually block further time entry. | Yes | Yes |
| Billing types (T&M / Fixed / Overhead) Timix: T&M, Fixed Price, and Overhead/OVH. Paymo: hourly (T&M), Flat rate, Non-billable, and Retainer projects — no dedicated overhead type. | Yes | Partial |
| Project hierarchy depth Paymo nests deeper on paper — Client→Project→Task list→Task→Subtask — but time is tracked at the Task level and subtasks are checklist-only (no time, no assignee). Timix: 4 levels (Customer→Project→Task→SubTask) with every entry at the SubTask leaf. | Yes | Yes |
| Time approvals Timix: approvals included on every tier. Paymo: timesheet approvals exist but are gated to the top Pro tier only. | Yes | Partial |
| Client invoicing Paymo: native invoicing on every plan including Free (unlimited invoices), with estimates and recurring invoices on Plus+ — wins here. Timix: commercial invoices on Professional+ (not government-cleared e-invoicing). | Partial | Yes |
| Native QuickBooks/Xero Paymo: native QuickBooks Online integration (invoice export + payment sync); Xero only via Zapier, and native integrations require Plus+. Timix: Zapier/Make/Workato only, no native accounting connector. | No | Partial |
| Public API + webhooks Timix: API + webhooks + Zapier/Make/Workato on Professional+. Paymo: public REST API and HMAC-signed webhooks, but API/integration access is gated to Plus and Pro. | Yes | Yes |
| Use Timix from your AI (MCP) Timix: official MCP server (Professional+) — drive Timix from Claude, ChatGPT, Cursor. Paymo: no official/native MCP server; only third-party/community options (Zapier MCP, a community GitHub project) exist, none built or endorsed by Paymo. | Yes | No |
| SSO / SCIM Timix: SSO & SCIM on Enterprise (sales-led). Paymo: native SAML SSO / SCIM provisioning is not advertised on any official pricing or feature page — only third-party IdP connectors were found, so this is unconfirmed. | Partial | Unknown |
| Custom fields Timix: custom fields from Starter+. Paymo: no user-defined custom-fields feature is documented in official docs (only custom Workflows / task statuses), so whether it exists is unconfirmed. | Yes | Unknown |
| Native mobile apps Paymo: native iOS and Android apps plus Paymo Track desktop apps (Windows/macOS/Linux) and a web timer, on every plan including Free — wins here. Timix: installable PWA with offline tracking, no native App Store/Play app. | Partial | Yes |
| Genuine free plan Paymo's Free plan is real (unlimited time tracking + invoices) but single-user and tightly capped (1 client, 2 projects). Timix's free plan covers up to 5 users with unlimited projects, plus a 90-day full-access reverse trial. | Yes | Partial |
03
Which should you choose?
Choose Timix.AI if…
- You bill clients for time and need profitability on day one — dual cost and bill rates roll up per client on every tier, where Paymo gates Project Profitability to Plus and above.
- You need budget control that actually stops overruns — soft and hard limits plus alerts, not the notify-only budgets Paymo offers, across T&M, Fixed Price, and Overhead.
- You want a built-in AI assistant (Starter+) and AI Insights (Business) over your own time, cost, and budget data.
- You want to drive your time tracking from Claude, ChatGPT, or Cursor via an official MCP server (Professional+).
- You want approvals, utilization/capacity, and a real 5-user free plan without paying for the very top tier.
Choose Paymo if…
- You want one affordable all-in-one tool that bundles task/project management, time tracking, and invoicing together.
- You need native client invoicing on every plan — Paymo bills clients out of the box, even on Free, with a native QuickBooks Online connector.
- Your team needs native App Store/Play and desktop apps — Paymo ships polished native iOS, Android, and desktop apps on all plans.
- You want resource scheduling, workload planning, and Gantt charts with dependencies alongside your time tracking (Paymo Pro).
Switching from Paymo? See Timix for client profitability tracking
04
Timix.AI vs Paymo, asked & answered
Is Timix.AI a good Paymo alternative?
Yes, if you bill clients for time and want depth Paymo spreads thinner: dual cost/bill-rate profitability on every tier, hard budget limits (not just alerts), T&M/Fixed/Overhead billing types, and a built-in AI assistant with an official MCP server. If you want a broad all-in-one suite with native invoicing on every plan and native mobile and desktop apps, Paymo is the wider pick.
How does Timix.AI pricing compare to Paymo?
Timix.AI is $7/seat/mo annual (Starter), $15 (Professional), and $29 (Business). Paymo is Solo $5.9, Plus $10.9, and Pro $16.9 per user/mo annual. Paymo's paid entry is cheaper, but Solo is single-user only; on multi-user team plans (Plus/Pro) the two are closer, and Timix's free plan covers up to 5 users versus Paymo's single-user free plan.
Does Timix.AI have a mobile app like Paymo?
Timix.AI is an installable progressive web app (PWA) — add it to your home screen and it tracks offline, syncing when you reconnect — but it is not a native App Store/Play app. Paymo ships native iOS and Android apps plus desktop apps on every plan, so if a native store app is essential, Paymo has the edge.
Can Timix.AI handle invoicing and accounting like Paymo?
Paymo wins here: it offers native invoicing on every plan (including Free) plus a native QuickBooks Online integration. Timix.AI generates commercial client invoices on Professional+ and has no native QuickBooks/Xero connector — you integrate via Zapier, Make, or Workato — so for built-in invoicing and accounting workflows Paymo is stronger.
Paymo pricing & features fetched from paymoapp.com/pricing, help.paymoapp.com (the pricing article, project-structure and billing-hierarchy help pages), paymoapp.com/integrations and /complete-feature-list, and the paymo-org/api GitHub webhook docs — as of July 2026. Free ($0, single user), Solo $5.9/user/mo annual ($9.9 monthly), Plus $10.9 ($15.9 monthly), Pro $16.9 ($23.9 monthly) are confirmed on Paymo's own pages; note a first-3-months promo can make the monthly figures look like the annual rates, so we cite the help-center regular monthly rates. Treat exact tier-gating as approximate, and capabilities not documented on official pages (native SSO/SCIM, custom fields, any AI) are marked unknown rather than guessed.. Comparison provided in good faith for general information — verify current details on Paymo's own site before deciding. Paymo and other names are trademarks of their respective owners; this page is not endorsed by or affiliated with them. Sources: paymoapp.com, help.paymoapp.com, paymoapp.com, paymoapp.com, help.paymoapp.com, help.paymoapp.com, github.com.
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