Handoff started as an AI estimator and it shows: the fastest way to a bid in residential construction right now is probably to walk the job talking into Handoff. Since mid-2026 it also tracks budgets against actual costs, which puts it next to Obra on paper. The two still come at the job from opposite ends. Handoff is strongest before the contract is signed; Obra is strongest after.
Where the two products actually differ
Handoff is built around winning the job: an AI that writes the estimate from a typed scope, voice notes, photos or files, prices it from supplier data for your ZIP code, turns it into a proposal the client can sign, and takes the deposit by card or bank transfer. Around that sit a lead pipeline, scheduling, client portals, time tracking and native phone apps. Obra is built around the money on the job: an estimate priced from your own costs, accepted from a private link, which becomes the project's budget; then receipts from the crew over WhatsApp, email or photo, change orders, a reviewed expected final cost, invoices and a close. The decision guide sorts tools by which problem they solve first, and that is the honest question here.
Whose prices go in the estimate
Handoff's draft arrives with prices attached, drawn from large suppliers and localized to your area. That is a real head start, especially for a young company without much history, and the draft still needs your eye on labor and on anything the supplier price doesn't capture. Obra's draft works the other way: it reads your price book and what your closed jobs actually cost, and labels anything it suggests as a reference cost for you to confirm. Accepted estimates feed the price book, and closed jobs feed the next draft. Obra does not read photos, voice notes or plans, and has no supplier price database.
The receipts problem
A budget is only as true as what reaches it. Handoff reads receipts uploaded in its app and matches them to estimate lines, as part of the budget tracking on its Pro plan. Obra's submitter role and WhatsApp channel are built for the receipt that never gets uploaded: the foreman sends the $184 lumber ticket in Spanish from the app they already use, nobody needs a login to the books or a paid seat, and the project's numbers move the same afternoon. The WhatsApp receipts guide covers how crews set that up.
What Handoff does that Obra doesn't
Quite a lot: voice, photo and file input for estimates, plan takeoffs, supplier pricing, AI-written proposals with digital signatures, online card and bank payments, homeowner financing, a lead pipeline, scheduling, daily logs, time tracking, client and subcontractor portals, a QuickBooks Online integration and native iOS and Android apps. Obra's estimates are plain line items sent as a PDF or link and accepted from it, and payments are recorded by hand. If signing and paying inside the proposal is how you close work, that is a real workflow Obra doesn't offer.
Price, plainly
Handoff's entry plan is about $150 a month for two users, with estimating, proposals, signatures and payments. Budget tracking starts on the Pro plan, about $300 a month for five users with a 12-month commitment, less on annual billing. Obra is free for one active project and $12 per user per month; a crew of three pays $36, with budget against actual cost included, and can leave any month. Prices checked September 21, 2026 on Handoff's pricing page.