Softwr

Accounting · head to head

Circula vs Justworks

Circula logo

Circula

Accounting

Expense, travel and employee benefit management for German speaking finance teams

From
€15/month
Rated
-
Full reviewWebsite
Justworks logo

Justworks

Payroll

Professional employer organisation with published per-employee pricing and a separate payroll-only tier

From
$8/month
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Circula the module pricing stacks: expenses at fifteen euro per licence plus ninety nine euro for cards plus a hundred and forty nine euro for accounts payable means a fifty person company pays well over a thousand euro a month before add ons.; Justworks the published per-employee fee is the platform charge, not your cost; health insurance premiums and workers' compensation are billed on top and are usually several times larger, so the transparent price is transparent about the smaller number.
  • They diverge on capability: Circula covers German per diem engine, Justworks covers Co-employment PEO.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Circula and Justworks actually diverge.

Attributes where Circula and Justworks differ
AttributeCirculaJustworks
Starting price€15/month$8/month
Pricing modelPer user per monthPer employee per month
CategoryAccountingPayroll

Identical on both: free tier (No), platforms (Web, iOS, Android), user rating (Not yet rated).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Circula

  • German per diem engine
  • Receipt capture and OCR
  • Corporate credit cards
  • Employee benefits
  • Accounts payable
  • Mileage and travel
  • DATEV and ERP export
  • Approval workflows

Only in Justworks

  • Co-employment PEO
  • Large-group benefits
  • Payroll and filings
  • Workers' compensation
  • Compliance support
  • Standalone payroll
  • International contractors
  • HR consulting

What people use each for

The jobs each tool is most often brought in to do.

Circula

  • A German company that must apply statutory per diem rates and meal deductions correctly to avoid payroll tax exposurenot Justworks
  • A finance team wanting card spend, expense claims and benefits in one DATEV exportnot Justworks
  • An employer offering the tax free monthly benefit allowance and needing auditable records of itnot Justworks
  • A mid sized business replacing spreadsheet mileage claims with rule enforced distance calculationsnot Justworks

Justworks

  • A twenty-person US startup that wants health insurance comparable to a large employer without an insurance broker relationshipnot Circula
  • A company hiring across several US states that does not want to register as an employer and file taxes in each of themnot Circula
  • A founder replacing a bookkeeper-run payroll with something that will not produce a state tax penalty noticenot Circula
  • A team that wants payroll and benefits administration only, without co-employment, at the $8 per employee tiernot Circula

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Circula

  • The module pricing stacks: expenses at fifteen euro per licence plus ninety nine euro for cards plus a hundred and forty nine euro for accounts payable means a fifty person company pays well over a thousand euro a month before add ons.
  • A minimum of ten licences excludes small teams, and the flexible licensing model for occasional claimants makes monthly cost harder to forecast than a flat per seat price.
  • Strength is in German tax rules, so companies with significant operations outside the DACH region gain little from the feature that justifies the price.
  • The accounts payable module includes only a hundred invoices per month, so invoice heavy businesses face metered overage on top of the platform fee.
  • Card issuing carries a per card transaction ceiling and depends on partner issuing, so high value procurement spend can hit limits that a bank issued corporate card would not.

Justworks

  • The published per-employee fee is the platform charge, not your cost; health insurance premiums and workers' compensation are billed on top and are usually several times larger, so the transparent price is transparent about the smaller number.
  • Leaving a PEO is a project, not a cancellation: you must source your own health plan, obtain your own state employer registrations and unemployment accounts, and time the switch to a plan year, which typically takes months.
  • Coverage is United States only, so the moment you hire your first employee in another country you are running a second system and Justworks handles them only as a contractor.
  • PEO Basic looks like a cheaper way in but excludes the Justworks health plans, which is the main reason companies choose a PEO at all, so most buyers end up on Plus.
  • Benefit plan choice is constrained to what Justworks has negotiated, and a company with strong preferences about carriers or network coverage in a specific region may find the options do not fit.

Pricing, plan by plan

Circula

€15/month
  • Employee and Travel Expenses$15/month
    • Per licence, billed annually
    • Minimum 10 licences
    • OCR receipt capture
  • Credit Cards$99/month
    • Platform fee, unlimited cards
    • Per card spend limits
    • Transaction limit of EUR 750,000 per card
  • Accounts Payable$149/month
    • Platform fee
    • Includes 100 invoices per month
    • Supplier invoice capture and approval
  • Benefits$1/month
    • Per licence
    • Tax free benefit allowances
    • Mobility and meal benefits

Justworks

$8/month
  • Payroll$8/month
    • Plus a $50 monthly base fee
    • Payroll, tax filing and benefits administration
    • No co-employment, so no access to Justworks health plans at PEO rates
  • PEO Basic$79/month
    • Full co-employment PEO
    • Payroll, tax filing and compliance
    • Does not include access to Justworks-sponsored health plans
  • PEO Plus$109/month
    • Everything in Basic
    • Access to Justworks health, dental and vision plans
    • Premiums are billed separately and are the larger cost
  • Dedicated HR consulting$30/month
    • Add-on to PEO plans
    • Named HR adviser support

Which should you pick?

Choose Circula if

  • You need german per diem engine.
  • You work on Web, iOS, Android.
  • You also want receipt capture and ocr.
Circula review

Choose Justworks if

  • You need co-employment peo.
  • You work on Web, iOS, Android.
  • You also want large-group benefits.
Justworks review

Questions people ask

Is Circula or Justworks better?
Neither clearly leads. Circula starts at €15/month and Justworks at $8/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Circula or Justworks?
Circula starts at €15/month and Justworks at $8/month.
Does Circula or Justworks run on more platforms?
Both run on Web, iOS, Android, so platform support will not decide this one for you.
What is Circula best used for?
Circula is most often used for a german company that must apply statutory per diem rates and meal deductions correctly to avoid payroll tax exposure, a finance team wanting card spend, expense claims and benefits in one datev export, an employer offering the tax free monthly benefit allowance and needing auditable records of it, a mid sized business replacing spreadsheet mileage claims with rule enforced distance calculations. Of those, a german company that must apply statutory per diem rates and meal deductions correctly to avoid payroll tax exposure and a finance team wanting card spend, expense claims and benefits in one datev export are not what Justworks is typically brought in for.
What can Circula do that Justworks cannot?
Circula covers German per diem engine, Receipt capture and OCR, Corporate credit cards, Employee benefits. Justworks covers Co-employment PEO, Large-group benefits, Payroll and filings, Workers' compensation.

Answered from the vendors’ own pages

Circula: Does Circula calculate German per diems automatically?

Yes, by destination country and trip duration, including meal and accommodation deductions, which is the main reason DACH finance teams buy it.

Justworks: What does co-employment actually mean?

Justworks becomes the employer of record for payroll tax and benefits purposes while you retain full control over hiring, management and day-to-day work. It is a legal arrangement, not an outsourcing of your team.

Circula: What does it actually cost for fifty employees?

Roughly seven hundred and fifty euro a month for expense licences alone at the fifteen euro rate, before the ninety nine euro card platform fee and any accounts payable module.

Justworks: Is the $79 figure my total monthly cost per employee?

No. It is the platform fee. Health insurance premiums, dental, vision and workers' compensation are additional and typically dwarf it.

Circula: Is there a minimum commitment?

Yes. A minimum of ten licences and annual billing on the published rates.

Justworks: Can Justworks employ people outside the US?

No. It can pay international contractors, but it is not an employer of record abroad.

Justworks: What is the difference between the Payroll plan and the PEO?

The Payroll plan handles payroll and benefits administration under your own EIN at $8 per employee per month plus a base fee. The PEO adds co-employment and pooled large-group insurance at $79 or $109.

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