Ratio Starter
$19/mo
All features + AI
Ratio vs Moxie — 2026 Comparison
The Moxie alternative with stronger payment ops and real AI
Moxie is a lightweight freelancer operating system. Ratio covers the same freelancer flows and goes further on payment operations, collections workflows, Claude AI, and multi-workspace support for teams and agencies.
Updated April 2026 · Plans and pricing reflect each provider's current public listing.
Moxie
~$19–29/mo
Freelancer-focused
AI assistant
Claude
Moxie has none
Why service businesses switch from Moxie to Ratio
Moxie (formerly Hectic) is appealing for its simplicity and freelancer focus. But its payment operations, collections workflows, and AI story are thin. Ratio matches Moxie on ease of use while delivering a stronger billing engine, Claude AI, branching automation, and multi-workspace support.
Best fit
Who this Moxie alternative is actually for
- Freelancers who want Moxie's simplicity with stronger billing and receivables
- Teams searching for a Moxie alternative with real AI and automation
- Agencies that need multi-workspace support and team roles out of the box
Why Ratio
What Ratio does differently
Real payment operations
Invoice status, payment attempts, ACH settlement, payment failures, refunds, and collections all surface in the CRM. Moxie's payment surface is lighter.
Built-in collections engine
Automated multi-step reminder sequences with escalation rules and approval gates. Moxie has basic reminders.
Claude AI with 200+ tools
Manage your business by conversation. Moxie has no AI assistant.
Call intelligence
Record a client call and let AI create the lead, log notes, schedule follow-up, and draft the proposal. Moxie has no equivalent.
Milestone billing and change orders
Deposits, milestones, payment plans, and change orders as first-class workflows. Moxie's billing is more linear.
Multi-workspace for agencies
Ratio Growth includes 3 workspaces at $49/mo; Pro includes 10 at $99/mo. Moxie is primarily a solo freelancer tool.
Switch in a day
We'll move your clients over from Moxie
Drop in a CSV from your old system and Ratio maps the columns automatically — clients, contacts, addresses, all of it. Most teams are sending invoices the same afternoon.
Feature comparison
Ratio vs Moxie — feature by feature
Ratio leads in 17 of 29 compared features.
Pricing
| Feature | Ratio | Moxie |
|---|---|---|
| Entry plan | $19/mo (all features) | ~$19–29/mo |
| Mid-tier plan | $49/mo (3 workspaces) | Limited tier options |
| AI included | Yes (Claude) | No |
| Multi-workspace | Yes (Growth/Pro) | No |
Invoicing & Payments
| Feature | Ratio | Moxie |
|---|---|---|
| Online card payments | Yes (Stripe) | Yes |
| ACH bank transfers | Yes | Yes |
| Recurring invoices | Yes with autopay | Yes |
| Milestone billing | Yes | Limited |
| Payment plans | Yes (custom schedules) | Basic |
| Collections workflows | Yes (automated, multi-step) | Basic reminders |
| Payment failure tracking | Yes (real-time) | Limited |
| Change orders | Yes | Limited |
CRM & Pipeline
| Feature | Ratio | Moxie |
|---|---|---|
| Visual lead pipeline | Yes (scored, weighted) | Yes |
| Contact management | Yes (separate from clients) | Bundled |
| Activity timeline | Yes | Yes |
| Custom fields | Yes | Limited |
Proposals & Contracts
| Feature | Ratio | Moxie |
|---|---|---|
| Online proposals | Yes | Yes |
| Digital contract signing | Yes | Yes |
| Change orders | Yes | Limited |
Scheduling
| Feature | Ratio | Moxie |
|---|---|---|
| Booking pages | Yes | Yes |
| Google Calendar sync | Yes | Yes |
| Zoom integration | Yes | Limited |
AI & Automation
| Feature | Ratio | Moxie |
|---|---|---|
| AI assistant | Claude with 200+ MCP tools | None |
| Call intelligence | Yes (creates records from calls) | None |
| Workflow automation | Branching + approval gates | Basic |
Platform
| Feature | Ratio | Moxie |
|---|---|---|
| Client portal | Yes | Yes |
| Time tracking | Yes (global timer) | Yes |
| Multi-workspace | Built-in | No |
| Team roles & permissions | Yes (RBAC) | Limited |
Frequently asked questions
Is Ratio cheaper than Moxie?
Ratio Starter is $19/month with all features including Claude AI. Moxie pricing typically runs $19 to $29 per month depending on the plan, without AI. At equivalent tiers, Ratio is typically competitive or better on price.
Can I migrate from Moxie to Ratio?
Yes. Export your clients and invoice data from Moxie and import it into Ratio. Most businesses are fully operational in Ratio within a day.
What does Ratio have that Moxie does not?
Claude AI with 200+ tools for managing your business by conversation, call intelligence that creates CRM records from phone calls, conditional workflow branching with approval gates, built-in collections workflows with escalation, milestone billing, change orders, and multi-workspace support for agencies.
What does Moxie have that Ratio does not?
Moxie has a tighter solo-freelancer focus that some users prefer for its simplicity. Its UI is opinionated around the freelancer workflow. Ratio is broader in scope — covering solo to team to agency.
Is Ratio a better fit for teams than Moxie?
Yes. Moxie is optimized for solo freelancers. Ratio is built to scale from solo to team to agency with multi-workspace support, RBAC, and shared operating workflows.
Keep researching this switch
Features
Inspect the workflows directly
Docs
Read the operational detail
Use cases
See which business model matches you
Ready to switch?
Try Ratio free — no credit card required
Start with the full feature set at $19/month. Migrate your clients, send your first invoice, and see why service businesses are switching from Moxie.