Best Enumerate Alternative for Self-Managed HOAs

What Enumerate does well

Enumerate has the deepest native accounting engine in the HOA software market. This is not marketing — it is the result of 30+ years of development as TOPS Software, building accounting features specifically for community associations. True accrual accounting with multi-fund support means operating funds, reserve funds, and special assessment funds are properly separated at the ledger level with full audit trails.

Reserve fund tracking is Enumerate’s strongest feature. Reserve study data integrates with the accounting system. Component replacement schedules, remaining useful life estimates, and funding projections can be tracked against actual reserve balances. For a board that needs to demonstrate reserve adequacy to auditors, lenders, or state regulators, Enumerate’s reserve accounting is the most comprehensive available.

Great Hill Partners acquired the company in July 2021, providing growth capital. The 2022 acquisition of Nabr Network added community communication tools (resident portals, announcements, event management) that the accounting-focused platform previously lacked. The May 2023 rebrand from TOPS to Enumerate signaled a repositioning toward broader community management.

Where it falls short

The accounting depth comes with significant tradeoffs that matter more for self-managed volunteer boards than for professional management firms.

The interface is outdated. Across Capterra reviews, “outdated” is the most common word used to describe the user experience. The platform was built in an era of desktop software and has not fully modernized. Volunteer board members accustomed to consumer-grade software (banking apps, email clients) will find the interface unintuitive.

The 3.8/5 Capterra rating is the lowest among major HOA platforms. PayHOA averages 4.5/5. Buildium averages 4.5/5. HOA Express averages 4.9/5. Enumerate’s 3.8/5 across roughly 45 reviews reflects consistent complaints about bugs, support responsiveness, and usability. Multiple reviewers report persistent bugs that take several release cycles to resolve.

Quote-based pricing makes budgeting difficult. Enumerate does not publish pricing. Every potential customer goes through a sales process to get a quote. For a volunteer board that needs to present a software recommendation at the next board meeting with a clear cost, this is friction.

How BoardStack approaches this

We built BoardStack for volunteer boards that need reserve fund compliance without accounting expertise. Operating and reserve funds are always separate ledgers. Reserve study targets are entered once and tracked over time. State-specific compliance alerts notify the board when requirements change. The interface assumes a treasurer who logs in monthly, not an accountant who logs in daily.

BoardStack’s accounting is not as deep as Enumerate’s. If your board needs true accrual accounting with multi-fund support and reserve study integration at the ledger level, Enumerate offers more. If your board needs fund separation, reserve tracking, and compliance alerts in a tool that a volunteer can operate without training, BoardStack is designed for that.

Who should consider switching

If your board uses Enumerate and your treasurer has accounting experience and uses the platform’s full depth, Enumerate may be the right tool. If your board struggles with the interface, waits weeks for support responses, or has had volunteers quit the treasurer role because the software is too complex, the accounting depth is not helping you.

BoardStack starts at $20/mo for communities up to 50 units.