Free side-by-side research

Enumerate vs Smartwebs

Source-linked differences for HOA boards and community association managers. No sponsored winner and no blended review score.

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Enumerate

Vendor-source research

Enumerate (formerly TOPS) is an end-to-end community association platform that unites accounting, owner/vendor payments, operational workflows, and resident communication for HOAs and condo associations. It also offers optional bookkeeping services and AI features for reconciliation and resident support.

Best fit: Established management companies and larger self-managed associations that want accounting, payments, and resident engagement in one connected platform.
Pricing visibility: Custom quote (from $500/mo)
Source check: July 16, 2026

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Smartwebs

Vendor-source research

Smartwebs is an all-in-one HOA and community association management platform built around HOA-specific workflows: violation tracking with mobile field inspections, architectural (ARC) request review and voting, work orders, resident and board portals, and community communications. Its MAX tier adds a full accounting suite (budgets, chart of accounts, receivables/payables, collections, vendor management, and bank integrations with auto-reconciliation), so managers can run compliance, communication, and books under one login. The vendor states it serves both management companies and self-managed associations across roughly 11,000 communities.

Best fit: HOA management companies and self-managed associations that want violations, architectural review, and accounting on one platform
Pricing visibility: Custom quote
Source check: July 16, 2026

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At a glance

How Enumerate and Smartwebs line up, side by side. Rows where they differ are highlighted.

Feature	Enumerate	Smartwebs
Capterra rating	3.8/5 (129)	4.4/5 (168)
Starting price	Custom quote (from $500/mo)	Custom quote
Best for	Established management companies and larger self-managed associations that want accounting, payments, and resident engagement in one connected platform.	HOA management companies and self-managed associations that want violations, architectural review, and accounting on one platform
Self-managed HOAs	✓	✓
Management companies	✓	✓
Accounting	✓	✓
Dues & payments	✓	✓
Violations & requests	✓	✓
Resident portal	✓	✓
Communication	✓	✓
Maintenance & work orders	✓	✓

Which product fits which kind of association?

This is a fit comparison, not a universal winner. A tool built for a management-company portfolio is not the same as one built for a volunteer self-managed board. Validate the decisive workflow and total contract cost in both demos.

Enumerate

Start here when: Established management companies and larger self-managed associations that want accounting, payments, and resident engagement in one connected platform..

Pricing visibility: Custom quote (from $500/mo)
Research position: Shortlist Enumerate when you need mature, accounting-first association software with integrated payments and bundled financial services, and can commit to an annual contract with a ~$500/mo floor.

Smartwebs

Start here when: HOA management companies and self-managed associations that want violations, architectural review, and accounting on one platform.

Pricing visibility: Custom quote
Research position: A strong fit for teams whose primary pain is compliance-heavy operations — violations, architectural requests, and inspections — that also want integrated accounting. Pricing is quote-only, so buyers must request a demo to compare cost.

External review evidence

Ratings are kept separate because software directories, app stores and company-location reviews measure different experiences.

Swipe horizontally to compare both products →

Review platform	Enumerate	Smartwebs
Capterra	3.8/5129 reviewsChecked July 16, 2026 · open source ↗ Verified on Capterra product profile page today; praised for accounting/property-management breadth, criticized for support responsiveness.	4.4/5168 reviewsChecked July 16, 2026 · open source ↗ Overall rating 4.4/5 across 168 verified reviews on the Smartwebs (HOA Compliance Software) profile

We do not calculate a single “reputation score.” Compare rating, volume, audience and recent themes at the original source.

Published capabilities to verify

These items come from vendor documentation. Treat them as a demo agenda, not proof of workflow quality.

Enumerate

Community association accounting with board-ready financial reporting and optional expert bookkeeping (Enumerate Financial Services)Ask for a live workflow
Integrated owner and vendor payment processing that flows into the financial ledgerAsk for a live workflow
Operations workflows for violations, work orders, tasks, and approvals across communitiesAsk for a live workflow
Resident engagement portal with announcements, document sharing, and 24/7 supportAsk for a live workflow
Numa AI for automated bank-reconciliation transaction matching and AI resident supportAsk for a live workflow
AI-assisted budgeting and analytics for board reportingAsk for a live workflow

Smartwebs

Violation tracking with offline-capable mobile field inspections and time-stamped photosAsk for a live workflow
Architectural review (ARC): submit, track, vote, and approve homeowner requestsAsk for a live workflow
Letter/notice templates and one-click violation escalationAsk for a live workflow
Work orders: create, assign, and track in real timeAsk for a live workflow
Resident portal (payments, ARC submissions, violation visibility, maintenance requests, documents, messaging)Ask for a live workflow
Board/committee portalAsk for a live workflow
Communications via email, text, and voice messageAsk for a live workflow
Accounting suite (MAX): budgets, global chart of accounts, receivables, payables, collectionsAsk for a live workflow
Vendor management and bank integrations with auto-reconciliationAsk for a live workflow
Online assessment paymentsAsk for a live workflow
iOS and Android mobile appsAsk for a live workflow
Dashboard metrics and graphical/picture reportsAsk for a live workflow

Buyer fit, strengths and cautions

Research interpretation based on current positioning and official documentation—not a substitute for implementation references.

Enumerate

Shortlist Enumerate when you need mature, accounting-first association software with integrated payments and bundled financial services, and can commit to an annual contract with a ~$500/mo floor.

Potential strengths

Covers accounting, payments, operations, and communication in one connected system rather than stitched-together tools
Optional bookkeeping and financial services help teams that lack in-house accounting depth
Deep, mature accounting lineage (formerly TOPS) suited to portfolios and multi-community management

Cautions to validate

No published tiered pricing; annual contract, custom quote, plus a one-time implementation fee and ~$500/mo minimum
Capterra reviewers repeatedly cite slow or hard-to-reach customer support
Some users report reporting/sorting limitations and occasional stability issues

Smartwebs

A strong fit for teams whose primary pain is compliance-heavy operations — violations, architectural requests, and inspections — that also want integrated accounting. Pricing is quote-only, so buyers must request a demo to compare cost.

Potential strengths

Deep HOA-specific compliance tooling: mobile violation inspections, photo capture, and ARC voting workflows
Management and accounting under one login, removing the need for separate systems
Serves both management companies and self-managed HOAs
Unlimited users and U.S.-based support included per the vendor
Solid 4.4/5 rating across 168 Capterra reviews

Cautions to validate

No public pricing — both CORE and MAX plans are quote-only, and minimums plus implementation fees apply
No free trial or free version (per Capterra)
Reviewers report occasional syncing/map-placement issues and manual steps for some escalations and notes
Some users cite integration challenges with outside property-management systems

Source register

Open the evidence directly. Dates describe our last check, not a promise that the vendor page has remained unchanged.

Enumerate

Enumerate homepage (product overview, segments, features) ↗Checked July 16, 2026
Enumerate pricing page ($500/mo minimum, annual contract, custom quote) ↗Checked July 16, 2026
Capterra Enumerate profile (rating and review count) ↗Checked July 16, 2026

Smartwebs

Smartwebs homepage (features, buyer, 11,000 communities) ↗Checked July 16, 2026
Smartwebs pricing page (CORE/MAX, Get a Quote, minimums + implementation fees) ↗Checked July 16, 2026
Smartwebs resident portal page (online payments, ARC, violations, maintenance) ↗Checked July 16, 2026
Capterra Smartwebs profile (4.4 rating, 168 reviews, target buyer) ↗Checked July 16, 2026

Run the same demo with both vendors

A fair comparison uses identical data and workflow scenarios.

Dues-to-ledger: Assess a homeowner, send the invoice, take an online payment and confirm it posts to the general ledger without re-entry.
Delinquency: Age a past-due account, trigger the reminder sequence and produce a delinquency report the board can act on.
Violation enforcement: Log a CC&R violation with a photo, send the notice and follow it through escalation and cure.
Board & resident portal: Post a document, open an architectural request and run an online vote from both the manager and owner views.
Exit test: Export owners, units, ledgers, documents and violation history in documented formats.

Enumerate

Smartwebs

At a glance

Which product fits which kind of association?

Enumerate

Smartwebs

External review evidence

Published capabilities to verify

Enumerate

Smartwebs

Buyer fit, strengths and cautions

Enumerate

Potential strengths

Cautions to validate

Smartwebs

Potential strengths

Cautions to validate

Source register

Enumerate

Smartwebs

Run the same demo with both vendors

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