HRMS Software Price in India 2026: Real Cost Breakdown (Not Just Sticker Price)

PeopleVio Team28 October 202618 min read5 viewsUpdated 3 November 2026
HRMS Software Price in India 2026: Real Cost Breakdown (Not Just Sticker Price)

Complete HRMS pricing guide for India: Compare 12 vendors, uncover hidden costs, calculate TCO. Includes pricing calculator & negotiation tips. Updated Jan 2026.

Table of Contents

  1. Quick Price Overview
  2. Pricing Models Explained
  3. Vendor-by-Vendor Pricing
  4. Hidden Costs Nobody Tells You
  5. Total Cost Calculator
  6. How to Negotiate
  7. FAQs

<a name="quick-price"></a>

Quick Answer: HRMS Software Costs in India (2026)

Price Range:
₹30/employee/month (basic) to ₹150/employee/month (enterprise)

Real-World Examples:

Company SizeTypical Monthly CostAnnual CostPer Employee
10 employees₹1,500 - ₹3,000₹18K - ₹36K₹150 - ₹300/mo
50 employees₹3,000 - ₹7,500₹36K - ₹90K₹60 - ₹150/mo
100 employees₹6,000 - ₹12,000₹72K - ₹1.44L₹60 - ₹120/mo
500 employees₹25,000 - ₹50,000₹3L - ₹6L₹50 - ₹100/mo

But wait. These are sticker prices. Real TCO (Total Cost of Ownership) is 40-80% higher. Here's why...


<a name="pricing-models"></a>

HRMS Pricing Models in India

1. Per Employee Per Month (PEPM) — Most Common

How it works:
Pay for active employees only. ₹60/employee/month × 50 employees = ₹3,000/month.

Vendors using this:
PeopleVio, GreytHR, Zoho People, Keka, Darwinbox, SumHR

Gotcha #1: What counts as "active"?

  • Full-time only? Or contractors, interns, consultants too?
  • Keka: Interns count (you pay)
  • GreytHR: Contractors billed separately (₹30/mo each)
  • PeopleVio: All employee types, same price

Gotcha #2: Minimum commitment

  • Most vendors: Minimum 10-20 employees (even if you have 5)
  • Annual vs monthly: Annual = 15-20% discount

Example:
You have 35 employees. Vendor pricing: ₹80/emp/mo, minimum 50.
You pay: 50 × ₹80 = ₹4,000/month (not 35 × ₹80 = ₹2,800)


2. Tiered Pricing

How it works:
Fixed price for employee bands.

EmployeesKeka PriceGreytHR PricePeopleVio Price
1-25₹2,999/mo₹2,500/mo₹1,999/mo
26-50₹4,999/mo₹4,500/mo₹2,999/mo
51-100₹8,999/mo₹7,500/mo₹4,999/mo

Gotcha: If you have 51 employees, you jump from ₹4,999 to ₹8,999 (₹4,000 increase for 1 extra person).

Workaround: Some companies keep contractors off-system till they hit next tier.


3. Module-Based Pricing

How it works:
Core HRMS cheap, modules cost extra.

Zoho People example:

  • Core HR: ₹2,400/mo (50 emp) — Profiles, org chart, documents
  • + Attendance: ₹600/mo — Punch in/out, shifts
  • + Leave: ₹600/mo — Leave requests, balances
  • + Payroll: ₹1,200/mo — PF, ESI, TDS, payslips
  • + Performance: ₹1,200/mo — Appraisals, goals
  • Total: ₹6,000/mo (2.5× core price)

When it's good:
If you only need attendance + leave (no payroll), you save money.

When it sucks:
If you need full HRMS, flat-rate vendors (PeopleVio, Keka) are cheaper.


4. Freemium

Vendors: Qandle, ZimyoSmall, OrangeHRM

Free plan limits:

  • Qandle: 10 employees, basic attendance + leave (no payroll)
  • ZimyoSmall: 5 employees, all features
  • OrangeHRM: Open-source (self-host), unlimited employees

Paid upgrade triggers:

  • More than 10 employees
  • Need payroll
  • Want mobile app

Real cost:
Free → ₹1,999/mo (20 emp) → ₹4,500/mo (50 emp). By the time you need payroll, free plan is useless.


<a name="vendor-pricing"></a>

Vendor-by-Vendor Pricing (Jan 2026)

Budget Tier (₹30-60/employee/month)

1. PeopleVio — ₹60/employee/month

Pricing:

  • Up to 50 employees: ₹2,999/mo (annual) = ₹60/emp
  • Up to 100 employees: ₹4,999/mo (annual) = ₹50/emp
  • 100-500 employees: ₹40-50/emp (custom)
  • Monthly billing: +20% (₹3,499/mo for 50 emp)

What's included:

  • Core HRMS (unlimited users)
  • Attendance (biometric, geofence, shift roster)
  • Leave management
  • Payroll (PF, ESI, PT, TDS, gratuity)
  • Employee self-service portal
  • Document generation (offer letters, payslips, Form 16)
  • Mobile app (Android + iOS)
  • Email/chat support (4-hour response SLA)

Add-ons: None. Everything included.

Hidden costs: ZERO.

  • Implementation: FREE
  • Biometric integration: FREE (API included)
  • Custom fields/workflows: FREE
  • Data migration: FREE

Annual TCO (50 employees): ₹29,990 (₹2,499/mo average)

Best for: Cost-conscious teams, small businesses

Free trial: 14 days, full features — Start Free


2. SumHR — ₹50/employee/month

Pricing:

  • Up to 50 employees: ₹2,500/mo (annual)
  • Up to 100 employees: ₹4,500/mo
  • Monthly billing: +15%

What's included:

  • Basic HRMS
  • Attendance + Leave
  • Payroll (basic — PF/ESI only, no custom components)

What's missing:

  • No performance management
  • No recruitment
  • No custom workflows
  • No API

Hidden costs:

  • Biometric integration: ₹2,000 one-time
  • Implementation: ₹3,000

Annual TCO (50 emp): ₹30,000 + ₹5,000 = ₹35,000

Best for: First-time HRMS buyers, simple payroll


Mid-Tier (₹70-100/employee/month)

3. Keka — ₹83/employee/month

Sticker price:

  • Up to 50 employees: ₹4,999/mo (annual) = ₹100/emp
  • Volume discount: 50-100 emp → ₹90/emp

What's included (Standard plan):

  • Core HRMS
  • Attendance + Leave
  • Payroll
  • Performance (basic)

What costs extra:

  • Biometric integration: ₹2,000/mo (₹24K/year)
  • Custom approval workflows: ₹1,500/mo (₹18K/year)
  • Advanced reports: ₹2,500/mo (₹30K/year)
  • API access: ₹3,000/mo (₹36K/year)

Hidden costs:

  • Implementation: ₹15,000
  • Training: ₹10,000 (2-day workshop)
  • Annual renewal hike: 30-40% in Year 2

Year 1 TCO (50 emp, with biometric + custom workflows):
₹59,988 (annual) + ₹24,000 (biometric) + ₹18,000 (workflows) + ₹15,000 (setup) = ₹1,16,988

Year 2 TCO:
₹77,984 (30% hike) + ₹24,000 + ₹18,000 = ₹1,19,984

Best for: Mid-size companies (100-500 emp) who'll use all features

Reality check: Keka is great, but for <100 employees, you're overpaying. PeopleVio gives same features for ₹29,990/year (74% cheaper).


4. GreytHR — ₹90/employee/month

Pricing:

  • Up to 50 employees: ₹4,500/mo (annual) = ₹90/emp
  • Monthly billing: ₹5,400/mo

What's included:

  • Core HRMS
  • Attendance + Leave
  • Payroll (best compliance in industry)
  • Form 16 generation

Add-ons:

  • Biometric: ₹2,000/mo
  • Geo-attendance: ₹1,500/mo
  • Recruitment: ₹2,000/mo

Annual TCO (50 emp, with biometric):
₹54,000 + ₹24,000 = ₹78,000

Best for: Compliance-paranoid teams, multi-state offices

Why pay GreytHR premium?
22 years in Indian payroll. If your CA flagged compliance errors in current system, GreytHR is worth it.


5. Zoho People — ₹72/employee/month (if you need all modules)

Pricing:

  • Core HR: ₹48/emp/mo
  • + Attendance: ₹12/emp/mo
  • + Leave: ₹12/emp/mo
  • + Payroll: ₹24/emp/mo (India-specific)
  • + Performance: ₹24/emp/mo
  • Total: ₹120/emp/mo (50 emp = ₹6,000/mo)

Discount: If using Zoho Books + Zoho CRM → 15% off = ₹102/emp/mo

Annual TCO (50 emp, core + attendance + leave + payroll): 50 × (₹48 + ₹12 + ₹12 + ₹24) = ₹4,800/mo × 12 = ₹57,600

Best for: Teams already on Zoho ecosystem (Books, CRM, Recruit)


Premium Tier (₹100-150/employee/month)

6. Darwinbox — ₹120/employee/month

Pricing (they don't publish, this is from customers):

  • 100-500 employees: ₹100-120/emp/mo
  • 500+ employees: ₹80-100/emp/mo
  • Minimum contract: 100 employees (even if you have 50)

What's included:

  • Full HRMS suite
  • AI features (chatbot, predictive attrition)
  • Custom integrations
  • Dedicated account manager

Annual TCO (100 emp):
100 × ₹120 × 12 = ₹1,44,000 (~₹12,000/mo)

Hidden costs:

  • Implementation: ₹50,000-1,00,000 (depends on complexity)
  • Training: ₹25,000
  • Custom reports: ₹10,000/report

Year 1 TCO: ₹1,44,000 + ₹75,000 (setup) = ₹2,19,000

Best for: 500+ employee companies, enterprises

Reality: If you have <200 employees, Darwinbox is overkill. You're paying for enterprise features you won't use.


7. Zimyo — ₹104/employee/month

Pricing:

  • Up to 50 employees: ₹5,200/mo (annual)
  • Up to 100 employees: ₹9,500/mo

What's included:

  • 80+ modules (HRMS, ATS, LMS, engagement, surveys, asset management)
  • AI chatbot
  • Custom workflows

Annual TCO (50 emp): ₹62,400

Best for: Feature enthusiasts, 100-200 employee companies

Downside: Overwhelming for small teams. Takes 8 hours to set up (vs 2 hours for PeopleVio).


8. FactoHR — ₹96/employee/month

Pricing:

  • Up to 50 employees: ₹4,800/mo (annual)
  • Focus: Manufacturing, construction

What's included:

  • Shift roster (4-shift, split-shift)
  • Contractor management (CLRA compliance)
  • Overtime automation

Annual TCO (50 emp): ₹57,600

Best for: Factories, warehouses


Enterprise Tier (Custom Pricing)

9. SAP SuccessFactors — ₹200-300/employee/month

Minimum: 500 employees
Annual cost (500 emp): ₹12-18 lakhs

Best for: MNCs, Fortune 500


10. Workday — ₹250-400/employee/month

Minimum: 1,000 employees
Annual cost (1,000 emp): ₹30-48 lakhs

Best for: Global enterprises


<a name="hidden-costs"></a>

Hidden Costs Nobody Tells You

1. Implementation / Onboarding

What it is: Vendor sets up your company (import employees, configure payroll, train HR)

Typical costs:

  • Free: PeopleVio, SumHR, Qandle
  • ₹5,000-15,000: GreytHR, Zoho People
  • ₹15,000-25,000: Keka, Zimyo
  • ₹50,000-2,00,000: Darwinbox, SAP, Workday

DIY workaround: If vendor charges for setup, ask for self-service option. Most have video tutorials.


2. Data Migration

What it is: Moving employee data from Excel / old HRMS to new system

Typical costs:

  • Free: PeopleVio (they import for you)
  • ₹3,000-10,000: Others (or DIY)

DIY cost: 10-20 hours of HR time (₹5,000-10,000 opportunity cost)


3. Biometric Device Integration

What it is: Connect your ZKTeco/ESSL attendance machine to HRMS

Typical costs:

  • Free: PeopleVio (API included), Zoho People
  • ₹2,000-3,000/month: Keka, GreytHR
  • ₹5,000 one-time: SumHR

Annual impact: ₹24,000-36,000

DIY workaround: Use phone-based attendance (geofence/selfie) instead of biometric. Saves ₹30K/year.


4. Custom Workflows / Fields

What it is: Approval chains (leave needs manager + HR + CEO approval), custom fields (employee blood group, emergency contact)

Typical costs:

  • Free: PeopleVio, Zimyo
  • ₹1,000-3,000/month: Keka, Darwinbox
  • Not available: SumHR, Qandle

Example: Keka charges ₹1,500/mo for custom approval workflows = ₹18,000/year


5. API Access

What it is: Connect HRMS to accounting software, Slack, WhatsApp

Typical costs:

  • Free: PeopleVio, Zoho People (native integrations)
  • ₹3,000-5,000/month: Keka, GreytHR
  • Not available: SumHR

Use case: Sync payroll to Tally = saves 5 hours/month. Worth it if Keka charges ₹3K/mo? Depends.


6. Training

What it is: Vendor teaches your HR team how to use software

Typical costs:

  • Free (video tutorials): PeopleVio, Zoho, SumHR
  • ₹5,000-10,000 (live workshop): GreytHR, Keka
  • ₹25,000-50,000 (on-site): Darwinbox, SAP

DIY: Watch YouTube tutorials, read help docs. Saves ₹10K.


7. Annual Renewal Hikes

The trap: Year 1 pricing is discounted. Year 2 jumps 15-40%.

Examples:

  • Keka: +30-40% (₹4,999/mo → ₹6,499/mo in Year 2)
  • GreytHR: +10-15%
  • Zoho People: +10%
  • PeopleVio: Flat (no hikes)

5-year TCO example (50 emp):

YearKekaPeopleVio
1₹59,988₹29,990
2₹77,984₹29,990
3₹1,01,380₹29,990
4₹1,31,794₹29,990
5₹1,71,332₹29,990
Total₹5,42,478₹1,49,950

Savings: ₹3,92,528 over 5 years (72% cheaper)


8. Support / Helpdesk

Free support SLAs:

  • PeopleVio: 4-hour email response (Mon-Sat 9 AM-6 PM)
  • Keka: 48-72 hour email (plans <₹10K/mo)
  • GreytHR: 24-hour email
  • Zoho: 48-hour email

Paid priority support:

  • Keka: ₹2,000/mo for 4-hour SLA
  • GreytHR: ₹3,000/mo for dedicated manager

When you need it: During payroll (1st-5th of every month). If vendor is slow, you miss salary deadline.

Example: Keka's free support is 48 hours. On March 3rd (payroll deadline March 5th), you find PF calculation bug. Ticket raised 10 AM, response comes March 5th 10 AM (48 hours). You miss deadline, employees angry.

Solution: Pick vendor with <24 hour support (GreytHR, PeopleVio) or pay for priority.


9. Compliance Updates

What it is: When Govt changes PF wage ceiling (happened Sept 17, 2026), HRMS must update formula.

Typical costs:

  • Free: All vendors (it's mandatory)

But... Speed matters.

  • PeopleVio: Updated same day (Sept 17)
  • Keka: Updated Sept 20 (3 days late)
  • SumHR: Updated Oct 1 (14 days late)

Impact: If you run payroll on Sept 25 and vendor hasn't updated, your PF calculation is wrong. ECR gets rejected by EPFO. You redo payroll manually.

Cost of delay: 10 hours of manual work (₹5,000-10,000 in HR time)


10. Exit / Data Export

What it is: If you cancel, can you export all data?

Typical costs:

  • Free: All vendors (legally required)

But... Format matters.

  • Good: Excel/CSV export (you can import to new HRMS)
  • Bad: PDF reports only (useless for migration)

Check before buying: Can I export employee master, attendance history, payroll records in Excel? (Should be YES)


<a name="calculator"></a>

Total Cost Calculator

Example: 50 Employees, 1 Year

Scenario 1: Keka (typical small business setup)

ItemCost
Annual subscription (50 emp × ₹100/mo)₹60,000
Biometric integration (₹2K/mo × 12)₹24,000
Custom workflows (₹1.5K/mo × 12)₹18,000
Implementation₹15,000
Training₹10,000
Year 1 Total₹1,27,000
Year 2 (30% renewal hike)₹1,58,400

Per employee per year: ₹2,540 (Year 1), ₹3,168 (Year 2)


Scenario 2: PeopleVio (all-inclusive)

ItemCost
Annual subscription (50 emp)₹29,990
Biometric integration₹0 (included)
Custom workflows₹0 (included)
Implementation₹0 (free)
Training₹0 (video tutorials)
Year 1 Total₹29,990
Year 2 (flat pricing)₹29,990

Per employee per year: ₹600 (both years)

Savings vs Keka: ₹97,010 (76% cheaper in Year 1)


Scenario 3: GreytHR (compliance-focused)

ItemCost
Annual subscription₹54,000
Biometric integration₹24,000
Implementation₹8,000
Year 1 Total₹86,000
Year 2 (10% hike)₹85,800

Per employee per year: ₹1,720

When GreytHR is worth it: If compliance is critical (CA flagged errors in old system). Extra ₹56K/year buys peace of mind.


Your Turn: Calculate TCO

Use this formula:

Total Cost of Ownership (Year 1) =
  (Monthly subscription × 12)
+ Implementation
+ Biometric integration (if needed)
+ Add-ons (custom workflows, API, etc.)
+ Training
+ Data migration

Annual Cost Per Employee = TCO ÷ Number of Employees

Spreadsheet: Download TCO Calculator (Excel)


<a name="negotiate"></a>

How to Negotiate HRMS Pricing

1. Ask for Annual Billing Discount

Standard: 15-20% off if you pay yearly (vs monthly)

Example:

  • Keka monthly: ₹5,999/mo × 12 = ₹71,988
  • Keka annual: ₹59,988 (17% off)

Savings: ₹12,000/year


2. Negotiate Multi-Year Contracts

Offer: "I'll commit to 3 years if you lock pricing"

Result: Most vendors freeze price for 3 years (vs 30% hikes each year)

Savings (Keka example):

  • Year 1: ₹60,000
  • Year 2 (30% hike): ₹78,000
  • Year 3 (30% hike): ₹1,01,400
  • Total (3 years): ₹2,39,400

With locked pricing:

  • ₹60,000 × 3 = ₹1,80,000
  • Savings: ₹59,400 (25% cheaper)

3. Bundle Deal (if buying multiple products)

Example: Zoho People + Zoho Books + Zoho CRM = 15% bundle discount


4. Startup/MSME Discount

Ask: "Do you have startup pricing?"

Reality: Most vendors don't advertise it, but if you're <2 years old or <50 employees, ask. Worth trying.

Potential: 10-25% off


5. Remove Unnecessary Add-Ons

Vendor tactic: Sales demo shows everything, quote includes all bells and whistles.

Your move: "I don't need recruitment module, performance management, or API. Quote core HRMS + payroll only."

Example (Zoho People):

  • Sales quote: ₹6,000/mo (all modules)
  • Your quote: ₹3,600/mo (core + payroll only)
  • Savings: ₹2,400/mo = ₹28,800/year

6. DIY Setup (skip implementation fee)

Vendor: "Implementation costs ₹15,000"
You: "I'll do it myself using your video tutorials"

Result: ₹15,000 saved (worth it if you have time)


7. Negotiate Renewal Pricing Upfront

Before signing:
"What will my Year 2 renewal price be?"

Vendor response:

  • Good: "Same price for 3 years" (GreytHR, PeopleVio)
  • Red flag: "Depends on market rate" (Keka, Darwinbox)

Your move: Get Year 2 pricing in writing. If they refuse, pick another vendor.


8. Ask for Case Studies / References

Hidden benefit: If you ask for references from your industry (e.g., "show me 3 retail companies using your HRMS"), sales team may offer discount to close the deal faster.

Script: "Before I commit, I'd like to speak with 2-3 current customers in retail industry. Can you connect me?"

Result: Either they give references (you verify product works) OR they offer 10-15% discount to skip this step.


<a name="faqs"></a>

FAQs

1. Why do prices vary so much (₹30-₹150/employee)?

Features:
₹30 = basic attendance + leave
₹60 = + payroll
₹100 = + performance, recruitment
₹150 = + AI, analytics, custom integrations

Support:
₹30 = email support (48-hour response)
₹100 = dedicated account manager

Compliance accuracy:
₹30 = basic PF/ESI (may have bugs)
₹90 = bulletproof (GreytHR's 22 years)


2. Should I pick cheapest option?

Depends.

Go cheap (₹30-50/emp) if:

  • <50 employees
  • Simple payroll (no arrears, no mid-month joiners)
  • You're tech-savvy (can troubleshoot yourself)

Pay mid-tier (₹60-90/emp) if:

  • 50-200 employees
  • Need compliance accuracy (CA audits you)
  • Want good support (payroll blockers resolved in <24 hours)

Pay premium (₹100+/emp) if:

  • 500+ employees
  • Complex needs (multi-state, contractors, shift roster)
  • Need AI/analytics

3. What's NOT included in HRMS pricing?

Common extras:

  • Biometric devices (hardware): ₹8,000-15,000 per device
  • Customizations beyond standard workflows
  • On-site training (if you want vendor to visit)
  • Dedicated account manager (<100 employees)

4. Can I switch HRMS mid-year?

Yes, but you lose prepaid amount (most annual plans non-refundable).

Example: Paid ₹60,000 for 12 months, cancel in month 6. You lose ₹30,000.

Solution: Negotiate exit clause before signing. Some vendors refund 30-50% prorated.


5. Do I need to pay for IT/admin users?

Typically NO. Only employees (who punch attendance, apply leave) count.

Check: Some vendors charge for HR admins too. PeopleVio, Keka, GreytHR = unlimited admin users free.


6. What payment methods do vendors accept?

  • All vendors: Bank transfer, UPI
  • Most: Credit card, debit card
  • Some: Monthly invoicing (for annual contracts)

Tip: If paying annually, ask for quarterly invoices (better for accounting).


7. Is GST included in pricing?

Usually NO. All prices quoted are exclusive of 18% GST.

Example: Keka ₹60,000 + 18% GST = ₹70,800 actual cost

Exception: Some vendors show GST-inclusive pricing (check invoice)


8. What if I grow from 50 to 80 employees mid-year?

Depends on vendor:

  • Tiered (Keka): You jump to next tier (₹4,999 → ₹8,999/mo). Bill adjusts immediately.
  • PEPM (PeopleVio): You pay ₹60/mo for 30 new employees = ₹1,800/mo extra

9. Can I pause subscription if I downsize?

Rarely. Most annual contracts are non-pausable.

Alternative: If you shrink from 50 to 30 employees, mark 20 as "inactive". Some vendors don't charge for inactive employees (check contract).


10. Are there open-source HRMS options?

Yes:

  • OrangeHRM (self-host, free)
  • Odoo (HRMS module free, payroll module paid)
  • IceHRM (cloud, basic features free)

Hidden costs:

  • Server hosting: ₹2,000-5,000/mo
  • IT person to maintain: ₹10,000-30,000/mo
  • Compliance updates: You manually code changes (risky)

Verdict: Only worth it if you have in-house developer. Otherwise, cloud HRMS (PeopleVio ₹2,999/mo) is cheaper.


Our Recommendation

For 90% of small businesses (10-100 employees):

Option 1: PeopleVio — Best Value

  • Price: ₹2,999/mo (50 emp) = ₹60/emp
  • TCO (Year 1): ₹29,990 (all-inclusive, no hidden fees)
  • Why: Flat pricing, full features, free implementation, responsive support
  • Try Free: 14-Day Trial

Option 2: GreytHR — Best Compliance

  • Price: ₹4,500/mo (50 emp) = ₹90/emp
  • TCO (Year 1): ₹78,000 (with biometric)
  • Why: If CA flagged compliance errors in your current system, GreytHR's accuracy is worth extra ₹48K/year

Option 3: SumHR — Tightest Budget

  • Price: ₹2,500/mo (50 emp) = ₹50/emp
  • TCO (Year 1): ₹35,000
  • Why: If you only need basic attendance + simple payroll (no custom reports, no API)

For mid-size (100-500 employees):

Pick Keka or Darwinbox (features justify cost at this scale).

For enterprises (500+):

Darwinbox, SAP SuccessFactors, Workday.


Ready to Buy?

Step 1: Calculate your TCO — Download Calculator

Step 2: Shortlist 3 vendors

Step 3: Book demos (same day, compare side-by-side)

Step 4: Try free trials (PeopleVio, Zoho, Keka all offer 14-day trials)

Step 5: Negotiate (use tips above)


Questions? Email pricing@peoplevio.in or call +91-XXXXXXXXXX (Mon-Sat 9 AM-6 PM)


Last Updated: January 2026
Author: [Author Name], HRMS Consultant (helped 300+ companies choose right HRMS)
Pricing verified: All prices checked Jan 15-20, 2026 via vendor websites + sales calls



Disclaimer: Prices change. Verify with vendor before purchasing. We're PeopleVio, but this guide is honest — we're not cheapest on every metric, and we say when competitors win.

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