If you are a small landlord comparing property management platforms, Innago tends to show up early, and for one clear reason: it is free for landlords to use. That is a real and relatively rare thing in this market, and it is why Innago has become a common recommendation for self-managing owners with a handful of units. But free is a pricing model, not a feature list, and the more useful question is not whether a platform costs nothing up front. It is where the cost actually lands, and what you get in return.
This guide compares Innago and Shuk on the terms that matter most for a landlord running 1 to 100 units: how each platform is priced, how rent payments are charged, and what each one is built to help you do. The goal is not to argue that one is better in the abstract. It is to help you see which pricing model and which focus fit the way you actually operate.
Note: This article is a general comparison for educational purposes, not a product endorsement, and not legal or financial advice. Software pricing and features change frequently, so confirm current details on each provider's own pricing page before you decide. The competitor details below reflect publicly available information at the time of writing.
How a free platform makes money
Innago is genuinely free for landlords in the sense that there is no subscription charge to manage your properties. It covers a broad set of core functions at no monthly cost, including online rent collection, leasing and document storage, tenant screening, maintenance requests, and messaging. For a landlord who wants a capable toolkit without a recurring bill, that is a strong offer, and it is fair to treat it as one.
The cost surfaces elsewhere. Publicly available descriptions of Innago's model indicate it earns revenue primarily through payment processing fees when tenants pay rent by ACH or card, and through ancillary products such as renter's insurance. The landlord can typically choose whether to absorb the payment fee or pass it to the tenant. None of that is hidden or unusual, and it is how most no-subscription platforms stay in business. What it means in practice is that a free platform is not free of cost on the money that moves through it, and the more rent you collect electronically, the more those per-transaction charges add up over a year.
That is the real decision, not free versus paid. It is a transaction-fee model versus a flat-subscription model, and which one costs you less depends on your unit count, your rent roll, and whether you or your tenants end up carrying the payment fees.
How Shuk is priced, and why zero ACH fees is the pivot
Shuk uses the opposite model. It charges a transparent flat subscription per unit, published on a public rate card, and it takes zero ACH transaction fees on rent collection. Pricing is as low as $2.00 per unit per month, billed annually with no monthly option and no contract, and volume discounts apply automatically as a portfolio grows. There are no setup fees, and White Glove Onboarding is included at no additional cost.
The reason zero ACH fees matters so much in this specific comparison is that it is the exact place Innago's model recovers its cost. With Shuk, a tenant paying rent by ACH does not generate a per-transaction cut for anyone. You pay a predictable per-unit amount and keep the full rent. For a landlord collecting rent electronically every month across several units, that difference is not a rounding error over a year, and it is worth doing the arithmetic on your own numbers rather than assuming free is automatically cheaper.
The tradeoff is honest and worth stating plainly: Shuk is a paid subscription, so a landlord with one or two units who collects rent by check and wants no recurring bill at all may find a free transaction-fee platform is the lower-cost choice. Shuk's value shows up when you are collecting rent electronically and want the cost to be flat, predictable, and free of per-payment fees.
Where the two platforms genuinely overlap
It would be misleading to frame this as a feature gap, because it is not one. Both platforms cover the core operational stack a small landlord needs. Both handle online rent collection with autopay. Both support tenant screening, Innago through its own screening flow and Shuk through a RentPrep and TransUnion partner integration for credit, criminal, and eviction reports. Both offer document storage and e-signature, maintenance requests submitted by tenants, and centralized messaging. Both are built for the independent landlord and small manager, not for enterprise operators.
If your evaluation stops at a feature checklist, the two will look similar, and either one can run a small portfolio competently. The meaningful differences are in the pricing model covered above and in two areas of focus described next.
Where they differ: retention and predictable cost
Shuk is built around keeping good tenants, not just processing the ones you have. Its Lease Indication Tool (LIT) provides early renewal intelligence starting six months before lease end through tenant polling and predictive lease renewal insights, sending monthly polls at six, five, four, and three months out so you see a likely non-renewal while there is still time to act. Turnover is one of the largest avoidable costs a small landlord faces, often running well beyond a month of lost rent once you add make-ready and marketing, so a tool that surfaces renewal risk early is aimed squarely at the expense that hurts most. Shuk pairs that with Year-Round Marketing and Two-Way Reviews on the retention side.
The second difference is cost predictability. A transaction-fee platform's cost rises with the volume of rent you move and the mix of payment methods your tenants use, which makes it harder to forecast. A flat per-unit subscription is a fixed line you can budget against, and it does not penalize you for collecting more rent electronically. For a landlord who values a predictable operating number and wants to encourage electronic payment without a per-payment cost, that structure is the point.
One thing Shuk does not claim to be is a full accounting system. It offers Schedule E-aligned expense organization with digital receipts and security deposit tracking for tax time, not a general ledger or bookkeeping suite. If deep double-entry accounting is your priority, that is a different category of tool, and it is worth being clear about rather than overselling.
A short framework for choosing
Rather than scoring features, decide on the two questions that actually separate these platforms.
First, how do you collect rent, and who pays the payment fee? If most of your rent comes in electronically and you do not want a per-transaction cut on it, a flat subscription with zero ACH fees favors Shuk. If you collect little rent electronically, or you are comfortable passing payment fees to tenants, a free transaction-fee platform like Innago may cost you less.
Second, what problem are you trying to solve beyond collecting rent? If it is mostly intake and payment for a very small portfolio at no subscription cost, Innago is a legitimate and capable answer. If retention and predictable operating cost across a growing portfolio matter to you, and you want renewal intelligence built in, Shuk is designed for that.
Neither answer is wrong. They describe different landlords, and the honest recommendation is to match the model to how you operate rather than defaulting to whichever platform advertises the lowest headline price.
FAQ
Is Innago actually free, or are there hidden costs?
Innago is free for landlords in that there is no subscription charge to manage properties. Based on publicly available information, it earns revenue mainly through payment processing fees on ACH and card rent payments, which the landlord can absorb or pass to tenants, and through ancillary products such as renter's insurance. So the platform itself is free, but the money moving through it can carry per-transaction costs. Confirm current fee details on Innago's own pricing page.
What is the main difference between Shuk and Innago?
The core difference is the pricing model. Innago is free to use and monetizes through payment processing fees, while Shuk charges a flat subscription per unit, as low as $2.00 per unit per month billed annually, and takes zero ACH transaction fees on rent collection. Shuk also adds retention tooling such as the Lease Indication Tool. Which costs less depends on your unit count and how much rent you collect electronically.
Which is better for a landlord with just a few units?
Both work for a small portfolio. If you want no recurring subscription and are collecting little rent electronically, a free platform like Innago can be the lower-cost option. If you are collecting rent electronically each month and want predictable flat pricing with no per-payment fee, plus built-in renewal intelligence, Shuk is built for that. The decision comes down to your payment mix and whether retention matters to you.
Does Shuk do accounting like a bookkeeping platform?
No. Shuk offers Schedule E-aligned expense organization with digital receipts and security deposit tracking to make tax time easier, but it is not a general ledger or double-entry bookkeeping system. If full accounting is your priority, that is a different category of software, and it is worth evaluating tools built specifically for it.
What to Do Next
The real question in a comparison like this is not which platform is free. It is where the cost of running your portfolio actually lands, and whether the tool you choose helps with the expense that hurts most, which for most small landlords is turnover rather than software.
Shuk is built for that. Online rent collection with zero ACH transaction fees means a predictable per-unit cost and no per-payment cut on the rent you collect. The Lease Indication Tool provides early renewal intelligence starting six months before lease end through tenant polling, so you see renewal risk while you can still act on it. Autopay enrollment and configurable late fees keep collection on schedule, centralized in-app messaging with email and push notifications keeps tenant communication documented, and Schedule E-aligned expense organization with digital receipts keeps your numbers ready for tax time.
At as low as $2.00 per unit per month, billed annually with no setup fees and no contract, and with White Glove Onboarding included at no additional cost, Shuk makes predictable, retention-focused property management feasible for landlords and property managers running 1 to 100 units.
Book a demo at shukrentals.com/book-a-demo to see how zero-fee rent collection, the Lease Indication Tool, and centralized messaging work together so your cost stays predictable and your best tenants stay in place.





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