ActivityTracker

ActivityTracker vs Zoho CRM

ActivityTracker vs Zoho CRM: set the CRM up yourself, or log the week from day one

Zoho CRM is a general CRM you shape to your business, free for up to three users. ActivityTracker comes set up for advisors who sell on WhatsApp, with the week counted from the first tap.

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The short version

Pick Zoho CRM if you like building your own modules, layouts and workflows, or need policies and claims in the CRM, at a low price. Pick ActivityTracker if you'd rather start logging today, with WhatsApp chats on each client's record and the team's week counted. Some teams keep Zoho for policies and renewals and log the week in ActivityTracker.

Who should pick which

Stay with Zoho CRM if

  • you enjoy setting up your own fields, layouts and automations
  • you need policies, renewals and claims handled in the CRM
  • you want a free start for up to three users, or you already use other Zoho apps

Pick ActivityTracker if

  • you'd rather not build the advisor parts yourself
  • your clients message you on WhatsApp, on your own number
  • you want the team's calls and meetings counted each week without a report

Side by side

Compared onZoho CRM (from zoho.com, 27 September 2026)ActivityTrackerSource
Built forAny industry: a CRM you customise, used by 300K+ businessesFinancial advisors, property agents and sales repsZoho CRM siteZoho CRM site
For insuranceRenewal reminders, several policies per client and claims assignment, shown on a demo built on the Enterprise editionBirthdays and review calls lined up, and your FYC goal beside this week's numbersZoho CRM site
SetupYou shape modules, layouts and workflows, with a Jumpstart setup service on offerCalls, sets, openings, closings and referrals ready on day oneZoho CRM siteZoho CRM site
WhatsAppA WhatsApp integration with messages, templates and notifications in the CRMYour own WhatsApp, linked as a device, with every chat on the client's recordZoho CRM site
The team's weekForecasting, performance management and BIA weekly board, a Gone quiet list after 7 days and Friday check-insZoho CRM site
PriceFree for 3 users; paid editions from S$17 per user a month (shown in Singapore)See pricingZoho CRM pricing
ContractPay monthly or yearly, no contractNo long-term contractZoho CRM site
Try itFree edition, or a free trialBook a walkthroughZoho CRM pricing
ActivityTracker · Pipeline

New lead2

Farhan Ismail

No next step

Rachel Koh

No next step

Contacted2

Arjun Nair

No next step

Nurul Aziz

No next step

Appointment set2

Mei Ling Tan

Today, 4:00pm

Jonathan Lee

Mon, 6 Oct

Fact-find done1

Daniel Ong

Fri, 3 Oct

Proposal out1

Priya Raman

Tomorrow

Closed3

Grace Wong

Annual review, 12 Jan

Victor Chua

No next step

Marcus Tay

Top-up call, 9 Oct

Example screens with made-up clients.

Where Zoho CRM is strong

Zoho CRM is cheap to start and easy to grow: it's free for up to three users, paid editions started at S$17 per user a month when we read it from Singapore, and there's no contract. Zoho says 300K+ businesses use it and it connects to 1,000+ apps. Its insurance page shows renewal reminders, several policies on one client and claims routed to the right person, and its WhatsApp integration brings messages, templates and notifications into the CRM. If you like building your own CRM, Zoho fits. If Zoho CRM is more than you need, Zoho also sells Bigin, a simpler CRM for small businesses moving off spreadsheets.

The three differences that matter

Nothing to build first

Zoho says plainly that its CRM isn't an out-of-the-box insurance product, and that its insurance setup is a customisation. ActivityTracker comes with calls, sets, openings, closings and referrals ready, and each advisor logs from their phone on day one.

WhatsApp from your own number

Link the WhatsApp you already use the way WhatsApp Web does. Every chat lands on the client's record with their stage and your notes, and an AI agent answers new enquiries in your words.

The week counts itself

Each call and meeting is a tap, and it's points on the week's board. Anyone with nothing logged for seven days lands on the Gone quiet list, and Friday's check-in arrives with the numbers filled in.

Switching in three steps

  1. Upload the client spreadsheet you keep now, and one tap undoes it if anything looks wrong.
  2. Link your WhatsApp number by scanning the code under Linked devices.
  3. Invite the team and let them log from their phones.

Questions

Start logging the week today

Book a walkthrough and bring your client spreadsheet. We'll load it with you.

Book a walkthrough See pricing

Sources

Every page read on 27 September 2026. Nothing about a competitor on these pages comes from anywhere else.

  • Zoho CRM: Zia AI agents, cadences, forecasting, 300K+ businesses; workflows, performance management and BI; 1,000+ integrations; no contracts, monthly or yearly; Jumpstart setup service. www.zoho.com/crm/
  • Zoho CRM: Free for 3 users; paid editions from S$17 per user a month (Singapore view), up to 34% off yearly; free trial. www.zoho.com/crm/zohocrm-pricing.html
  • Zoho CRM: Renewal reminders; multiple policies per client; claims assignment; mobile app; demo customised on the Enterprise edition; "not an out-of-the-box vertical CRM solution". www.zoho.com/crm/verticals/insurance/
  • Zoho CRM: WhatsApp messages in the CRM, notifications, pre-defined replies, templates, workflow notifications. www.zoho.com/crm/whatsapp.html
  • Zoho (Bigin): "The no-nonsense CRM solution for small businesses", for data scattered across spreadsheets. www.zoho.com/bigin/