Build my stackBeautiful, cloud-based accounting and bookkeeping software for small businesses and accountants.
From
$15/mo
Category
Best Accounting & Invoicing tools
Books, invoices, and taxes for freelancers and SMBs.
8
Tools tested
4.2
Average score
Free
Cheapest entry
2
Buyer guides
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Best Accounting Software for Freelancers for Freelancers & Sole Traders
As a freelancer or sole trader you do not need enterprise accounting, you need invoicing, expense tracking, bank reconciliation, and tax-time reports that actually get used. We tested the top options on real 2026 pricing and real solo workflows. FreshBooks wins overall for self-employed professionals who invoice clients and want it easy; Wave is the best true-free starter for a brand new business; Zoho Books is the value pick if you want full double-entry accounting without paying enterprise prices; Xero is the pick if you work closely with an accountant or plan to scale. Every price below was verified from the vendor's site on August 26, 2026.
Best Invoicing Software for Freelancers
Getting paid should be the easy part. We compared the top invoicing and accounting tools on price, speed, and how quickly they get money into your account.
The shortlist
Every accounting & invoicing tool we have tested
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Showing 8 tools
Review
Full-featured accounting at a fair price.
From
$15/moFREE TIER
Invoicing and accounting designed for freelancers.
From
$19/mo
The accounting standard for small and growing businesses.
From
$35/mo
Genuinely free accounting and invoicing.
From
FreeFREE TIER
Time tracking and invoicing in one tidy app.
From
$11/moFREE TIER
Invoicing, contracts, and taxes for freelancers.
From
$25/mo
Open-source invoicing for freelancers and SMBs.
From
$12/moFREE TIER
Choose by what matters most
FreshBooks
4.2 out of 54.2
Freelancers and solo business owners who want simple invoicing and expense tracking
QuickBooks Online
4.2 out of 54.2
Growing small businesses that need full accounting, payroll, and inventory management
Zoho Books
4.3 out of 54.3
Small business owners, freelancers, and accountants who want full double entry accounting with a genuine free tier, deep inventory, project costing, and a connected Zoho ecosystem at a price well below QuickBooks and Xero.
Xero
4.6 out of 54.6
Small business owners, accounting firms, and digital agencies wanting automated bank feeds, online invoicing, and multi-currency accounting.
Top comparisons in accounting & invoicing
Xero
4.6 out of 5Zoho Books
4.3 out of 5Xero
4.6 out of 5FreshBooks
4.2 out of 5Xero
4.6 out of 5QuickBooks Online
4.2 out of 5Xero
4.6 out of 5Wave
4.2 out of 5
Xero
4.6 out of 5Harvest
4.2 out of 5
Xero
4.6 out of 5Bonsai
4.1 out of 5
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