Freelancers need to turn tracked time into invoices quickly, pay low fees on client payments, and keep records ready for Schedule C.
| Tool | Starting price | Deployment | Free trial | Best for |
|---|---|---|---|---|
 BILL | $49 per user/month (Essentials) | Cloud | Yes | Small businesses using BILL for AP automation that want to add invoicing and AR tracking without adopting a separate tool. |
 Upflow | Add-on only: Upflow Payments at $390 per month | Cloud | No | Mid-market SaaS and B2B companies that want fast AR automation deployment integrated with Stripe, billing platforms, and modern ERP/accounting systems. |
 Versapay | quote only | Cloud | No | Mid-market to enterprise B2B companies that want to improve customer payment experience and collaborative AR alongside collections automation. |
 QuickBooks | $0/mo for 1 user on the Free plan | Cloud | Yes | US small businesses (1-50 employees) that need invoicing integrated with full double-entry accounting, bank feeds, and tax preparation. |
 FreshBooks | $23.00 per month (Lite) | Cloud | Yes | Freelancers, consultants, and service-based small businesses (1-20 employees) that need professional invoicing with time tracking and expense capture. |
 Xero | $7 per month on Lite | Cloud | Yes | Small businesses with international clients that need multi-currency invoicing integrated with full cloud accounting, especially popular in UK, Australia, and New Zealand. |
 Zoho Invoice | quote only | Cloud | No | Small businesses already using Zoho products (CRM, Books, Projects) or those seeking a free, full-featured invoicing tool with international support. |
 Wave | $0 on the Starter plan | Cloud | No | Micro-businesses and freelancers that need free accounting and invoicing software with optional paid payroll and payment processing. |
 Harvest | $0 forever (Free, 1 seat and 2 projects) | Cloud | Yes | Professional services firms, agencies, and consultancies (5-100 employees) where accurate time tracking is the foundation of the billing process. |
 HoneyBook | $29 per month billed yearly (Starter) | Cloud | Yes | Creative professionals (photographers, designers, event planners, coaches) that need proposal-to-payment workflows with contracts, invoicing, and scheduling in one tool. |
 Square Invoices | $0/mo. per location on Square Free | Cloud | No | Small businesses already using Square POS that need to add invoicing for custom orders, deposits, or service work alongside their in-person payment processing. |
 Stripe Invoicing | 0.4% per paid invoice, no monthly fee | Cloud | No | SaaS companies, marketplaces, and online businesses already on Stripe that need to add manual invoicing alongside their automated billing. |
 PayPal Invoicing | quote only | Cloud | No | Micro-businesses and freelancers already using PayPal that want to send professional invoices without adopting a separate invoicing tool. |
 Melio | $0 free forever (Go, one user) | Cloud | No | Very small businesses (1-20 employees) that want simple invoicing paired with bill pay and vendor payment management at minimal cost. |
 Bonsai | $9 per user/month billed annually (Basic) | Cloud | Yes | Freelancers and independent consultants that want a single platform for proposals, contracts, invoicing, time tracking, expense tracking, and estimated tax payments. |
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Use the Invoicing Software for Freelancers list when you already know the broader category and need to narrow vendors by time tracking to invoice conversion.
It skips the general category questions so you can get to side-by-side comparisons sooner.
Compare time tracking to invoice conversion, payment processing fees and tax preparation integration, how pricing scales, implementation time, and how much admin work the product needs after go-live.
Once you are down to three or four vendors, read their software profiles, pricing pages, and head-to-head comparisons, and check the buyer guides before you book demos.
Open a profile for pricing, implementation notes and alternatives, or compare two tools head to head.
AP, AR and spend management for small and midsize businesses, with published per-user plans and sync to [QuickBooks](/software/quickbooks), [Xero](/software/xero) and [NetSuite](/software/netsuite).
Accounts receivable software for B2B companies: collections, payment portal, cash application and AR insights, with a free insights tier.
Collaborative AR automation with a customer payment portal, cash application, collections and built-in ACH and card payments.
QuickBooks is the most widely used small business [accounting software](/categories/accounting-software), covering bookkeeping, invoicing, payroll, and tax preparation.
FreshBooks provides invoicing-first [accounting software](/categories/accounting-software) built for freelancers, service businesses, and small teams that need time tracking and expense management.
Xero is a cloud accounting platform popular with small businesses and their advisors, offering bank feeds, invoicing, and a large app marketplace.
Zoho Invoice is a free invoicing application for freelancers and small businesses with time tracking, expenses, and multi-currency support.
Wave offers free accounting and [invoicing software](/categories/invoicing-software) for freelancers and micro businesses, monetized through payment processing and payroll add-ons.
Harvest combines time tracking with invoicing and expense management, making it a favorite for consultants and agencies billing by the hour.
HoneyBook combines invoicing with proposals, contracts, scheduling, and client management for creative professionals and service businesses.
[Square](/software/square-pos) Invoices lets small businesses send free invoices and accept card payments, integrating with Square's broader payments and POS ecosystem.
Stripe Invoicing provides developer-friendly invoice creation with built-in payment links, hosted payment pages, and Stripe's global payment infrastructure.
PayPal Invoicing lets businesses send free invoices and accept payments through PayPal, credit cards, and debit cards globally.
Melio is a free B2B payment platform that lets small businesses pay vendors by bank transfer or card, even when the vendor only accepts checks.
Bonsai combines invoicing with proposals, contracts, time tracking, accounting, and tax preparation for freelancers and small agencies.
