Free HOA software vs DuesLetter
If your board wants a portal and online payments, a free platform may be the right call. Here's an honest look.
| Option | Free plan (their page) | Notes |
|---|---|---|
| SpotHOA | Up to 50 units | Homeowners pay a 2% online fee on Free; $29/month over 50 units |
| OurHOA | Up to 25 homes | $1/home/month above that (bills every home) |
| DuesBox | Unlimited, manual tracking | 5% fee to homeowners paying online on Free; Pro $29/month |
| PayHOA | No | Full accounting; see our PayHOA comparison |
| DuesLetter | 3 free sample statements | $149/yr (up to 100 homes), $249/yr (101–250). No portal, no fees to owners |
Pick DuesLetter if
- Owners pay by check or the bank and the board doesn't want everyone learning an app
- You just need statements, a paid list and polite reminders done
Get 3 free sample statements · HOA budget season guide
FAQ
What's the cheapest HOA software for a small self-managed HOA?
Several are free for small HOAs per their sites: SpotHOA (up to 50 units), OurHOA (up to 25 homes), DuesBox (free with manual tracking). DuesLetter is $149/year and only does statements and reminders, with no portal.
Does DuesLetter collect dues online?
No. Owners keep paying the association the way they do now. We prepare statements, a paid/unpaid list and reminders.
Competitor details are summarized from each company's own public page, checked October 15, 2026, and may change; check their page for current terms. Names are trademarks of their owners; we're not affiliated.