Clamp vs Joist: Estimate-to-payment simplicity, or a connected residential project
Joist centers on estimates, invoices, payments and solo job administration. Clamp connects the residential project from lead qualification and cost estimating through milestones, customer decisions, change orders and job cost review.
Direct answer: Joist starts lower, at $10 a month for five documents, but its change orders start on Elite at $32 a month and jobs on Run at $70 (an introductory price, normally $100), for one user. Clamp Solo has unlimited documents, change orders, jobs, job costing and mileage for $19.99 a month, or $12.50 billed annually. Choose Joist when estimating, invoicing and getting paid are most of your work and you want homeowner financing built in.
Change order, priced
Job cost against budget
Sample data. A change order shows its effect on the contract before it is signed, and the job costs card compares what the job is consuming with its budget.
What it costs
| Situation | Clamp | Joist |
|---|---|---|
| One person, up to 5 documents a month | Solo, billed monthly $19.99 a month $239.88 a year, calculated | Basics, billed monthly $10.00 a month $120.00 a year, calculated |
| One person, unlimited documents | Solo, billed monthly $19.99 a month $239.88 a year, calculated | Pro, billed monthly $17.00 a month $204.00 a year, calculated |
| One person who needs change orders | Solo, billed monthly $19.99 a month $239.88 a year, calculated | Elite, billed monthly $32.00 a month $384.00 a year, calculated |
| One person, billed annually | Solo $12.50 a month $149.99 a year | Any plan Annual plans get two months free; Joist shows no annual dollar figure on its pricing page. |
| A crew of 5 | Teams (up to 5 people), billed annually $83.33 a month $999.99 a year | Not available Joist accounts are set up for a single user with one login. |
Every Clamp feature, next to Joist
Solo includes 28 of Clamp's 44 features. Joist's pages show 12 of the 44 in full and 14 in part, across its plans.
Clamp plan
| Feature | Clamp | Joist |
|---|---|---|
| CRM and leads | 3 of 5 | 0 of 5 |
| Email remindersEmail reminders before appointments, follow-ups, and scheduled installs, deliveries, and inspections. | ✓ Assistant and TeamsAssistant, $41.67 a month billed annually | Run, $70Visit reminder emails to the client and payment reminders; none to you |
| Customer appointment remindersHomeowners get an email before an appointment, with confirm and reschedule built in. | ✓ Assistant and TeamsAssistant, $41.67 a month billed annually | Run, $70Email reminders of visits; no confirm or reschedule by the customer |
| Five-factor lead scoringA clear yes, no, or maybe on a lead before driving out. | ✓ Every planSolo, $12.50 a month billed annually | Not foundClient profiles record how each customer found you; no lead scoring or pipeline |
| Lead reportingClose rate, revenue won, open pipeline, close rate by lead source, and lost leads by reason, on Home and the stats screen, with CSV and PDF export. Revenue by source does not exist; see _excluded. | ✓ Every planSolo, $12.50 a month billed annually | Elite, $32Sales and estimate reports; no close rate by lead source or lost reasons |
| Daily briefingOverdue invoices, detected trips, follow-ups, appointments, and open proposals in one morning view. | ✓ Every planSolo, $12.50 a month billed annually | Elite, $32Monthly Snapshot of the current month; no daily view |
| Estimating | 7 of 7 | 3 of 7 |
| Design agreementsPaid preconstruction sits in the document chain, so planning work is paid work. | ✓ Every planSolo, $12.50 a month billed annually | Not foundContracts and terms attach to an estimate; no paid design agreement |
| Itemized estimatesAssembly-based estimates with quantities and rates the contractor can inspect line by line. | ✓ Every planSolo, $12.50 a month billed annually | ✓ Pro, $17Basics makes estimates; the pricing page lists line items from Pro |
| Estimate templatesSave an estimate as a template for work done often. | ✓ Every planSolo, $12.50 a month billed annually | ✓ IncludedProject templates; the pricing grid does not show which plan |
| Proposals with multiple package tiersGood, better, best packages in one proposal. | ✓ Every planSolo, $12.50 a month billed annually | Not foundNo options or packages in one estimate |
| AI estimating from a plain-language job descriptionDescribe the job in plain words and get an itemized draft: assemblies, quantities, researched baseline rates, with the contractor's own saved rates taking over once set. | ✓ Every planSolo, $12.50 a month billed annually | ✓ Every planEstimate with AI from a typed or spoken description |
| Remodel and new-home estimatingOne estimator covers remodels and new homes and detects which one a description is. Detect is the default job type; a contractor can pick Remodel or New home per estimate, or set Kind of work to Remodeling to turn the choice off. | ✓ Every planSolo, $12.50 a month billed annually | Not foundJoist says it is not a construction cost estimating program |
| Labor hours on estimatesEstimated labor hours, shown as a range, on every labor line, with an allowance for setup, cleanup, and material runs (15% by default) the contractor can change in Settings or per estimate. A planning figure; it never appears on proposals, PDFs, or the portal. | ✓ Every planSolo, $12.50 a month billed annually | Not foundLabor is a line item you price yourself |
| Contracts and invoicing | 5 of 5 | 4 of 5 |
| Payment schedulesSplit a proposal into a deposit, milestone payments, and a final payment, then invoice each one from the signed contract. | ✓ Every planSolo, $12.50 a month billed annually | ✓ IncludedDeposits and milestone payments; the pricing grid does not show which plan |
| Sales tax on documentsAdd a sales tax rate or a flat amount to invoices and other documents, with collected tax totaled by quarter and year. The contractor enters the rate; Clamp does not look rates up. | ✓ Every planSolo, $12.50 a month billed annually | ✓ IncludedSaved taxes per line item; Sales Tax Summary in reports |
| Customer credits and refundsApply a customer's credit to an open invoice, record a refund, or adjust a balance, with the history kept on the job. Recorded only; Clamp moves no money. | ✓ Every planSolo, $12.50 a month billed annually | Refunds onlyRefunds of Joist Payments within 60 days; no credits or balance adjustments |
| Change orders that update the contractScope changes get written up and tied to the original contract, so verbal changes stop costing money. | ✓ Every planSolo, $12.50 a month billed annually | ✓ Elite, $32 |
| Invoices tied to the contractEvery invoice belongs to the contract or change order it bills. | ✓ Every planSolo, $12.50 a month billed annually | ✓ Every planEstimates convert to invoices |
| Customer portal | 0 of 6 | 2 of 6 |
| Password-free customer portalThe homeowner opens a link. No account, no password, no app to install. | ✓ Assistant and TeamsAssistant, $41.67 a month billed annually | Shared linksCustomers review, sign and pay each document by link; no persistent project portal |
| Unlimited documents and photos shared to the portalShare job documents and photos to the customer portal without a count cap, subject to per-item size limits. | ✓ Assistant and TeamsAssistant, $41.67 a month billed annually | Pro, $17Up to 20 photos on each estimate or invoice; no portal |
| E-signing on the homeowner's phoneDocuments get signed on the homeowner's own phone, no account required. | ✓ Assistant and TeamsAssistant, $41.67 a month billed annually | ✓ IncludedClient signs from the emailed link on any device |
| Several signers on one documentSend one document to up to five people, each signing their own line, see who has signed, and remind anyone who has not. | ✓ Assistant and TeamsAssistant, $41.67 a month billed annually | Several recipientsSends to several emails; signing shows you and one client, no per-signer tracking or reminders |
| Project updates and decisions in the portalPost project updates to the customer's portal and ask the customer to make a decision, which they answer from their phone. | ✓ Assistant and TeamsAssistant, $41.67 a month billed annually | Not foundNo project updates or customer decisions after signing |
| Not delivered email handlingWhen a customer email Clamp sends bounces, the document is marked Not delivered so the contractor can fix the address and resend, or copy the link to text it. | ✓ Assistant and TeamsAssistant, $41.67 a month billed annually | ✓ Every planUndelivered status in the document list plus an email to you; resend by text |
| Expense tracking | 5 of 5 | 1 of 5 |
| Automatic GPS mileage trackingBackground trip detection, route maps, IRS rates, trips linked to the job that caused the drive. | ✓ Every planSolo, $12.50 a month billed annually | Not found |
| Automatic time on siteGPS geofence tracking of hours at the jobsite. | ✓ Every planSolo, $12.50 a month billed annually | Not found |
| Receipts and expenses on the jobReceipts logged against the job they belong to. | ✓ Every planSolo, $12.50 a month billed annually | ✓ IncludedExpense tracking with receipt photos tied to jobs; plan not shown on the grid |
| Purchase ordersCommitted costs captured between the estimate and the receipt. | ✓ Every planSolo, $12.50 a month billed annually | Not found |
| Accounts payable and vendor billsVendor bills tracked and surfaced in the attention flows, with first-class vendor records. | ✓ Every planSolo, $12.50 a month billed annually | Not foundExpenses and receipts only; no bills or vendor records |
| Job costing and reports | 3 of 3 | 0 of 3 |
| Job costingWhat the job actually cost, with a variance and catalog learning loop. | ✓ Every planSolo, $12.50 a month billed annually | Elite, $32Job expenses and profit-margin reports; no estimate-against-actual review |
| Accountant export packageA package of the business's records prepared for an accountant. | ✓ Every planSolo, $12.50 a month billed annually | CSV and QuickBooksMonthly CSV of document totals from the web; QuickBooks Online sync |
| Time reporting with CSV exportReported labor time with a time-tracking CSV export for payroll preparation and per-person rate decomposition. | ✓ Every planSolo, $12.50 a month billed annually | Not found |
| Jobsites and teams | 2 of 8 | 0 of 8 |
| Teams: up to 5 linked accountsUp to 5 accounts, including the owner, sharing one business. | ✓ TeamsTeams, $83.33 a month billed annually | NoOne user, one login per account |
| Role-based permissionsFive roles: owner, admin, staff, contributor, viewer. | ✓ TeamsTeams, $83.33 a month billed annually | NoOne user, one login per account |
| Unlimited subcontractor linkingSubs share jobsite photos and notes into the business account without consuming a seat. | ✓ TeamsTeams, $83.33 a month billed annually | NoOne user, one login per account |
| Jobsites tab: jobs and schedule in one placeA Jobsites tab with Jobs and Schedule views. With Assistant each job has its own screen with its schedule, photos, and updates, and the Schedule view holds every install, delivery, inspection, appointment, and follow-up; Teams adds the crew and subs on each job, shaped by role. Subs invited to a job use it free and see their own jobs grouped by builder. | ✓ Assistant and TeamsAssistant, $41.67 a month billed annually | Run, $70Jobs and visits in a calendar, for one person; no photos, crew or subs |
| Job scheduleSchedule installs, deliveries, and inspections on each job, with the contractor, a supplier, or nobody yet on each item, and see them all in the Jobsites tab. Putting crew or subs on an item is the Teams shared schedule. | ✓ Assistant and TeamsAssistant, $41.67 a month billed annually | Run, $70Visits on each job with overlap alerts; no suppliers or assignees |
| Shared job scheduleOne schedule for the business: installs, deliveries, and inspections visible to the team, with clash notes when dates collide. | ✓ TeamsTeams, $83.33 a month billed annually | NoRun scheduling is for one person |
| Punch listsThe small final items that close a job out, tracked per job and shareable as a text message or a PDF. | ✓ Every planSolo, $12.50 a month billed annually | Not found |
| Job site photosPhotos saved to the project with full-screen viewing. | ✓ Every planSolo, $12.50 a month billed annually | Pro, $17Photos attach to estimates and invoices (up to 20); not to jobs |
| Backup and offline | 3 of 5 | 2 of 5 |
| Full job workflow, offlineLeads, design agreements, estimates, proposals, change orders, and invoices on the phone, working without a connection. | ✓ Every planSolo, $12.50 a month billed annually | NoJoist says it needs an internet connection to work |
| Cloud backupBusiness data backed up to the cloud and restorable on a new device. | ✓ Assistant and TeamsAssistant, $41.67 a month billed annually | ✓ Every planData lives on Joist's servers; data may be deleted without a paid plan |
| Business portal: read-only web viewA read-only view of the business in a browser. | ✓ Assistant and TeamsAssistant, $41.67 a month billed annually | ✓ Every planFull web app at pro.joistapp.com, not read-only |
| Device backup, restore, CSV export, bulk importLocal backup and restore with CSV export and bulk import. | ✓ Every planSolo, $12.50 a month billed annually | CSV export onlyMonthly CSV from the web; no backup, restore or import |
| No account required to startThe app opens to local use; an account is needed only for server features or subscribing. | ✓ Every planSolo, $12.50 a month billed annually | NoData is hosted online and reached with your login; 14-day trial, no card |
| Only in Joist | Where Joist is ahead | |
| Built-in payments | Clamp records payments; it does not process them | ✓ Every plan |
| Homeowner financing | Not in Clamp | ✓ Every plan, 30+ lenders |
| QuickBooks Online sync | Accountant export only | ✓ Daily sync of estimates and invoices |
| AI Receptionist | Not in Clamp | ✓ Add-on from $49 a month |
| Review requests | Not in Clamp | ✓ Elite, $32 |
| Contractor lending | Not in Clamp | ✓ Joist Lending |
Nothing here matches. Pick All or another filter.
Joist column from its pricing page, feature pages and help center, checked October 14, 2026. Not found means not on those pages, not that Joist can't do it another way. Partly means something narrower than the Clamp feature. No product was tested against another.
Where each Joist answer comes from
- Joist Pricing Joist, accessed October 14, 2026
- Quick Estimate and Invoice with AI Joist, accessed October 10, 2026
- Estimates Joist, accessed October 14, 2026
- Features Joist, accessed October 14, 2026
- Payments Joist, accessed October 10, 2026
- Homeowner financing Joist, accessed October 10, 2026
- Business loans Joist, accessed October 10, 2026
- Client management Joist, accessed October 10, 2026
- Client reviews Joist, accessed October 10, 2026
- Expense tracking Joist, accessed October 10, 2026
- QuickBooks Online sync Joist, accessed October 10, 2026
- Is Joist set up for teams? Joist, accessed October 10, 2026
- What is Joist Run? Joist, accessed October 10, 2026
- How do I use Scheduling and Visits? Joist, accessed October 14, 2026
- Schedule and manage jobs Joist, accessed October 14, 2026
- How do I create and manage jobs? Joist, accessed October 14, 2026
- Reports Joist, accessed October 14, 2026
- What can I do if my client isn't receiving my email from Joist? Joist, accessed October 14, 2026
- How do I export my Joist data for tax and accounting purposes? Joist, accessed October 14, 2026
- How can I issue a refund with Joist Payments? Joist, accessed October 14, 2026
- How do I or my client sign an estimate or invoice? Joist, accessed October 14, 2026
- Can I send to more than one email address? Joist, accessed October 14, 2026
- Do I need an internet connection to use Joist? Joist, accessed October 14, 2026
- Where is all my data being stored? Joist, accessed October 14, 2026
- Can I use Joist from a computer? Joist, accessed October 14, 2026
- Does Joist have any accounting features? Joist, accessed October 14, 2026
- How do I add a tax to my estimate or invoice? Joist, accessed October 14, 2026
- Document photos Joist, accessed October 14, 2026
- Is Joist a job cost estimating program? Joist, accessed October 14, 2026
- Residential construction estimating and invoicing software Joist, accessed October 14, 2026
Verdict
Clamp may fit when
- You run residential projects where estimating, milestones, customer decisions, changes and closeout need to stay in one job record
- You estimate at direct job cost and apply your company markup after the cost is built
- You want signed change orders without moving to a higher plan
- You track labor, mileage, receipts and bills against the estimate and review actual job cost at close
- You work with employees or subs who need their own access without seeing your customer prices
Joist may fit when
- Your main workflow is creating estimates, getting signatures, invoicing and collecting payment
- You want cards, ACH, PayPal, Venmo, Tap to Pay or Pay Later processed in the same system
- You want deposits and milestone payment schedules on a low-cost plan
- You want homeowner financing, contractor lending, work orders or reusable project templates
- You want QuickBooks Online sync, expense tracking and built-in business reports
- You work alone and want jobs and visit scheduling on Run
Before you compare them
- The overlap is real. Both handle estimates, invoices, signatures, deposits, milestone payments, client records and payments, processed or recorded.
- Joist's strongest documented advantages are its estimate-to-payment workflow, payment options, homeowner financing, work orders, templates, QuickBooks sync and solo scheduling on Run.
- Clamp's advantage is the connected residential project around the documents: qualification, estimates at cost, milestones, customer decisions, change orders on every plan, team and sub access, time, mileage and the estimate-against-actual review.
- Joist Basics is limited to 5 documents a month; Pro and above are unlimited.
- Joist change orders start on Elite. Clamp change orders are on every plan.
- Joist processes payments. Clamp records them and can show your own payment link in the customer portal.
- Joist's Help Center says accounts are set up for a single user with one login. Clamp Teams has up to 5 accounts, a Teams office has 6 or more, and sub access is free.
- "Not found" on this page means not found on Joist's current pricing, feature or Help Center pages. It does not mean Joist cannot do it another way.
- Neither product was tested against the other. No speed or accuracy claim is made.
Workflow
| Feature | Clamp | Joist |
|---|---|---|
| Document limits | Unlimited documents on every plan | Basics: up to 5 documents a month; Pro and above unlimited |
| Estimates | Line by line in the order the job is built, at direct cost, with allowances visible | Line items, saved items, project templates, markups and taxes |
| Templates and reuse | Saved rates and saved estimate descriptions | Project templates and reusable line items and descriptions |
| AI estimates | A draft at direct cost from a project description, then your markup (3 free AI credits, then 25 or 50 a month by plan; an estimate is 1 credit) | Estimate with AI and Invoice with AI on all plans: a draft with line items from a typed or spoken description |
| Paid design agreement | A design agreement document on every plan | Contracts and terms can be attached to an estimate; a dedicated paid design agreement was not found on Joist's current pricing, feature or Help Center pages |
| Signatures and deposits | Proposals signed in the customer portal (Assistant and Teams); the deposit is the first milestone | Customers review and sign estimates on any device; deposits on estimates or invoices |
| Change orders | Every plan: priced, signed and billed | Elite and above |
| Progress billing | Milestones tied to job events, each with a checklist of evidence; billed as the stage starts | Deposits and milestone payment schedules |
| Customer decisions after signing | A Decisions needed list: needed by, what it blocks, who owes the answer, the resolution | A decision list after the estimate is signed was not found on Joist's current pricing, feature or Help Center pages |
| Payments | Not processed by Clamp: add your own payment link and record what was paid | Stripe and PayPal: cards, PayPal, Venmo, Pay Later, Tap to Pay, ACH 1% capped at $15 |
| Homeowner financing | Not offered | Financing offers from 30+ lenders on estimates, all plans |
| Work orders | No separate work order; crew and subs see the job, its schedule and shared photos (Teams) | Pro and above |
| Job costing | Every plan: receipts, bills, time at the loaded rate and returns, reviewed against the estimate at close | Expense tracking tied to jobs, and business reports on Elite; a review of estimated against actual cost by category was not found on Joist's current pricing, feature or Help Center pages |
| Business reports | Workflow overview totals, lead statistics, and the accountant export | Business and sales reports on Elite and above |
| Time on site | Logged by role, or detected automatically when you leave a job site | Job time tracking was not found on Joist's current pricing, feature or Help Center pages |
| Business mileage log | Automatic trip detection, confirmed per trip, at the IRS rate for its date | An IRS-style business mileage log was not found on Joist's current pricing, feature or Help Center pages |
| Customer portal | One place to sign proposals and change orders, see milestones and invoices, and answer decisions (Assistant and Teams) | Customers review, sign and pay through shared links; a persistent project portal like Clamp's was not found on Joist's current pricing, feature or Help Center pages |
| Scheduling | A shared job schedule your crew and subs confirm (Teams) | Run: jobs and visits for solo contractors |
| Team and subs | Up to 5 accounts on Teams (6 or more on a Teams office), plus unlimited free sub invites who never see your prices | Accounts are set up for a single user with one login |
| Lead qualification | A five-question score on the first call | Client profiles and how each customer found you; a lead-scoring workflow was not found on Joist's current pricing, feature or Help Center pages |
| Review requests | Not offered | Joist Reviews on Elite and above |
| Accounting | An accountant export package | QuickBooks Online sync |
What was and was not tested
What was compared: Hands-on testing of either product. Neither was tested against the other, and no speed or accuracy claim is made. Documented, not tested.
| Statement | Basis |
|---|---|
| Published by Clamp, using each product's own pricing, feature and help pages. | Clamp's own statement |
| Occasional use, up to 5 documents a month: Joist Basics is $10 a month, less than Clamp Solo at $19.99. | Calculated from published prices |
| Unlimited documents, billed monthly: Joist Pro is $17 and Clamp Solo is $19.99. With change orders: Joist Elite is $32 a month; Clamp Solo stays $19.99, or $149.99 a year billed annually. The plans are not equivalent: Joist includes payment processing and financing Clamp does not offer, and Clamp includes project records Joist does not document. | Calculated from published prices |
Switching
- Export your clients, estimates and invoices from Joist before you cancel.
- Do not assume Joist history can be imported into Clamp; confirm formats first.
- If you depend on in-app card payments or homeowner financing, set those up another way before you switch.
- Save your Joist line items somewhere you can re-enter them as Clamp rates.
- Finish open jobs where they started; start new ones in Clamp.
Questions
How much is Joist for a one-person contractor?
Joist Basics is $10 a month for five documents, and Pro is $17 a month for unlimited documents, while Clamp Solo is $19.99 a month or $149.99 a year with unlimited documents. Joist's lower entry price suits a contractor who sends few estimates or invoices. Change orders start on Joist Elite at $32 a month, and jobs on Run.
Can my crew share one Joist account?
No. Joist's help center says accounts are set up for one user with a single login email and password, and team access was not found on its pages. Clamp Teams puts up to 5 accounts in one business for $99.99 a month or $999.99 a year, each with its own sign-in, and subcontractor invites are free. Six or more people move to a Teams office at $15 a seat a month, billed yearly.
Which Joist plan includes change orders?
Joist's change orders start on Elite at $32 a month, while Clamp has change orders on every plan, including Solo. Clamp's e-signing starts on Assistant at $49.99 a month or $499.99 a year. Joist is still worth a look when estimates, invoices and collecting payment cover most of what you need the app to do.
Does Joist let me schedule jobs?
Yes, on Run. Joist adds jobs and visits on Run, listed at an introductory $70 a month instead of $100, and built for solo contractors managing several jobs. Clamp's job schedule is on Assistant, at $49.99 a month or $499.99 a year, and the shared team schedule is on Teams.
Do Joist and Clamp offer homeowner financing?
Joist offers financing from more than 30 lenders on its estimates, which is a reason to choose it when financing helps customers say yes. Clamp has no financing; you use your own payment link and Clamp records the payment against the job. Weigh financing and payments separately from estimates, milestones, change orders and job costing.
Does Joist sync with QuickBooks?
Yes. Joist syncs estimates and invoices with QuickBooks Online daily. Clamp does not sync with QuickBooks; it provides an accountant export package instead. Neither replaces your books, and Clamp has no general ledger, payroll, bank feeds or tax filing. If an automatic sync to QuickBooks matters, that is a reason to choose Joist.
Does Joist work offline?
No. Joist's help center says the app needs an internet connection to work. Clamp's leads, estimates, proposals, change orders and invoices work with no signal on every plan; AI drafts, e-signing and the customer portal need a connection when you use them. That matters if you write estimates in basements or on rural lots.
Sources & provenance
- Joist Pricing Joist (official source)
- Joist for AI assistants Joist (official source)
- Quick Estimate and Invoice with AI Joist Help Center (official source)
- Estimates Joist (official source)
- Features Joist (official source)
- Payments Joist (official source)
- Homeowner financing Joist (official source)
- Business loans Joist (official source)
- Client management Joist (official source)
- Client reviews Joist (official source)
- Expense tracking Joist (official source)
- QuickBooks Online sync Joist (official source)
- Is Joist set up for teams? Joist Help Center (official source)
- What is Joist Run? Joist Help Center (official source)
- Clamp Pricing Clamp Research
- The Clamp Method Clamp Research
- Do I need an internet connection to use Joist? Joist Help Center (official source)
Changes: Oct 10, 2026: Initial publication. Reviewed against Joist's official pages: Joist's AI estimates and invoices on all plans, deposits and milestone payments, financing, work orders, reports, review requests and Run scheduling are credited; the single-user account limit is cited from Joist's Help Center.; Oct 14, 2026: Direct answer rewritten price first (owner, 2026-10-14). Joist's pricing page re-checked: Basics $10, Pro $17, Elite $32 (change orders), Run $70 introductory from $100, monthly; annual plans get two months free.; Oct 14, 2026: Questions added: one-person price, one login per account, change orders, scheduling on Run, financing, QuickBooks sync and offline use (Joist help center, checked 2026-10-14).; Oct 14, 2026: FAQ structured data on.; Oct 25, 2026: Teams now covers up to 5 people, including the owner; 6 or more is a Teams office at $15 a seat a month billed yearly.