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Comparison

Cradle vs 3CX: cloud phone system comparison for AU and NZ accounting firms

3CX is a long-running IP PBX with a large reseller and MSP channel. Here is an honest comparison for accounting and professional-services firms in Australia and New Zealand: where the two products differ, where each fits best, and where the choice really comes down to whether you want a PBX or a SaaS.

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Cloud-native, no PBX to maintain·FYI, XPM and HubSpot built in·AU and NZ support hours
Built for accounting

FYI, Xero Practice Manager and HubSpot are all live on every paid Cradle tier. The AI summaries post into the FYI activity feed against the right client, and time entries draft on FYI Elite with FYI AI.

Cloud-native shape

There is no PBX, no SBC and no reseller between your firm and the product. Provision in your browser, port your numbers, and dial out the same day.

Where 3CX wins

If your firm has an in-house IT team or an MSP that already runs 3CX, the per-user cost at large headcount on a self-hosted PBX can come out lower than a SaaS subscription. 3CX is also the more flexible product for organisations that need an on-premise option or have an existing PSTN trunk they want to keep.

Click around, it's interactive

Try Cradle in your browser

Click through the call log, in-call screen, messages and settings. Every contact-bearing row shows the FYI, XPM and HubSpot badges, so you can see what Cradle running inside your practice tools looks like before you book a call.

Sarah Mitchell
HubSpotXero Practice Manager+64 9 555 0101
14:13
James Walker
FYI+64 4 555 0202
13:57
Emma Thompson
HubSpotXero Practice Manager+64 3 555 0303
13:52
Liam Chen
FYI+61 2 5550 0404
12:29
Aroha Williams
HubSpotFYI+64 7 555 0505
12:04
Oliver Martin
HubSpot+64 9 555 0606
Yesterday
Sophie Brown
HubSpotFYI+61 3 5550 0707
Yesterday
Daniel Scott
Xero Practice Manager+64 6 555 0808
Monday
Mia Taylor
Xero Practice ManagerFYI+64 9 555 0909
Monday
Noah Davis
Xero Practice ManagerFYI+61 7 5550 1010
21 Apr
Want to click through the real Cradle desktop app? Open the full interactive demo →

Trusted by accounting firms across Australia and New Zealand

  • Target Accounting Logo.avif
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  • Spencer-Accountants.png
  • Target Accounting Logo.avif
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  • Spencer-Accountants.png
The biggest game changer for us is that every call is automatically saved into FYI. That means no more missed notes or chasing people for messages. The accountants can just go back and see the conversation for themselves
Shannon Smith
Shannon Smith
Client Workflow Coordinator, Target Accounting
Target Accounting

How Cradle helps

Three things accounting and professional-services firms in Australia and New Zealand consistently tell us they want from a phone system. Cradle is built for all three.

Cloud-first, no PBX to maintain

Cradle is SaaS. No server, no SBC, no MSP between you and the product. Cradle is provisioned in your browser. There is no PBX to patch, no operating system to keep current, no on-premise hardware, and no reseller in the middle. You manage your own setup from the admin portal: numbers, users, business hours, routing, integrations. 3CX is licensed software that you (or your IT partner) host. In practice, most accounting and professional-services firms running 3CX have it installed and supported by a local IT company, with SIP-trunk minutes billed separately by a third-party carrier on top of the licence. The 3CX product is hugely extensible; whether your firm can use that extensibility depends on whether you have someone in-house who knows the system, or a budget for the IT partner who does. For firms that want to add a number, change an after-hours greeting, or onboard a new starter without filing a ticket, the self-managed SaaS model is usually the better fit.

Built around the accounting workflow

FYI activity logging, draft time entries on FYI Elite with FYI AI, XPM client lookup, HubSpot calling. Calls log themselves into the right client record. AI summaries land in the FYI activity feed, time entries draft on FYI Elite with FYI AI, and HubSpot picks up the call with caller ID against the right contact. 3CX ships a generic CRM integration framework with templates for popular CRMs; the accounting practice management work, on FYI in particular, is where Cradle and 3CX sit furthest apart.

New Zealand numbers, New Zealand support

NZ numbers, NZ business hours, NZ carriers. Number porting through Spark, 2degrees and One NZ is handled end-to-end by the Cradle onboarding team. Support is staffed in your timezone. There is no 3CX partner in the middle of the support relationship; the people who answer the phone work on the product.

Which one wins for your stack?

Four common stacks, four direct recommendations. If your stack isn't here, the table further down has the full picture.

Your IT team or MSP has standardised on 3CX

Consider both

3CX is fine if your phone usage is occasional and your IT team or MSP already owns the system. Cradle wins when calls are central to the billable workflow and the FYI, XPM and HubSpot integrations meaningfully reduce admin time.

You are an accounting firm on FYI, XPM or HubSpot

Cradle

Integrations ship today, are included on every paid Cradle tier, and are shaped around the accounting workflow rather than a generic CRM template. AI summaries post into FYI activity feeds, and on FYI Elite with FYI AI time entries draft against the right job.

You want a perpetual licence and low per-user cost at scale

3CX

Cradle is subscription-only. For a large IT-managed deployment willing to absorb the operational cost of running the PBX, 3CX has the more flexible licensing. Compare on total cost of ownership (TCO), not licence alone: server, patching, SIP-trunk minutes, IT-partner fees, and integration build-out.

You need AU and NZ porting and local support

Cradle

Cradle ports through Spark, 2degrees, One NZ, Telstra, Optus and TPG end-to-end. Support is staffed in AU and NZ business hours, and there is no 3CX partner between you and the people who work on the product.

How it works

Cradle vs 3CX: the detail

Six views of the comparison: the headline summary table, the integrations side-by-side, AI features, pricing positioning, the setup experience, and a FAQ.

Where each tool fits best

3CX fits best when: you have an in-house IT team or MSP that already runs a PBX and wants to keep doing that; you want a self-hosted option for sovereignty or cost reasons at large headcount; you have an existing PSTN trunk you want to keep on a perpetual licence model; calls are a background channel rather than the primary one.

Cradle fits best when: you are an Australian or New Zealand accounting or professional-services firm; you run FYI (or want to); you live in XPM or HubSpot day-to-day; you want a phone system shaped around the billable conversation; you would rather provision in your browser than stand up a PBX.

If both descriptions sound partly right for your firm, the single question that resolves the choice is whether the calling tool needs to write into the practice management software you actually use.

Verify before you decide. Claims about 3CX on this page are sourced from the public 3cx.com website as of . Where we cite a feature or pricing point, the table links to the 3CX page so you can check the current state for yourself.
Cradle vs 3CX, headline feature comparison
CapabilityCradle3CX
Product shapeCloud-native SaaSIP PBX (self-hosted, hosted by 3CX or partner-hosted)
Built forAU + NZ accounting and professional servicesGeneral-purpose SMB and enterprise telephony, global
Sales motionDirect from CradleReseller / MSP channel (also direct)
Support hoursAU + NZ business hours, direct from CradleVaries (direct from 3CX or via partner)
FYI integration
Xero Practice Manager (XPM)Deep accounting workflowNot listed
HubSpot CRMGeneric CRM template
KarbonOn roadmap
Generic CRM integrations (Salesforce, Zoho, MS Dynamics, etc.)
Microsoft TeamsWorks alongsideDirect Routing supported
AI call summaries + transcriptsOn Pro + EnterpriseDepends on version + tier
AI summaries into FYI activity feed
Time entries on FYI Elite + FYI AI
Subscription pricingyes (current model)
Perpetual licence optionHistorically yes, check current state
Self-hosted option
Free trial on public siteFree tier published
Self-serve sign-upTypically via partner
Number porting, call recording, mobile + desktop apps, smart routing, voicemail

3CX publishes a free tier and a paid tier set on 3cx.com/ordering/pricing. Sign-up is typically routed through a 3CX partner or MSP. Cradle exposes a free-trial path alongside its demo CTA on /pricing.

3CX has shipped a number of pricing model changes over the years. Treat the rows above as a starting point rather than a final answer, and check the live 3CX pricing page before deciding. Cradle's published pricing on /pricing is the source of truth for the Cradle side.

Get started

Book a 30-minute demo of Cradle

Bring your practice tool, your team size and your number-porting questions, and we will model the rollout for your firm. If 3CX turns out to be the better fit, we will tell you.