The best free invoicing software makes it easy for small businesses and freelancers to send bills to clients and accept payments online. These solutions stand out for offering a mix of useful features, such as recurring invoicing, time-tracking tools, client portals and automatic payment reminders to help you get paid on time.
- Best free invoice app: Zoho Invoice.
- Best for built-in payment processing: Square Invoices.
- Best for ease of use: Wave Invoicing.
Below is our full list of the best free invoicing software options for small-business owners. “Free” here means that there’s no monthly subscription cost or software purchase to use the basic version of any of these programs. However, if you’re receiving payments online, you’ll be responsible for a per-payment transaction fee.
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Best Free Invoicing Software for Small Businesses
Best Free Invoicing Software for Small Businesses
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Zoho Invoice
4.5
Best for Free invoice app
Starting at
$0
Free.
Promotion
N/A
Learn more
on Zoho Invoice's website
Pros
- Send up to 500 invoices per year for free.
- Portal lets clients pay invoices and view their transaction history.
- Payment gateway integrations include Stripe, PayPal, Square and more.
- Photograph receipts and attach them to expense reports.
- Free invoice app for iOS lets you add a timer widget to your home screen, send invoices via iMessage and add new contacts by taking photos of their business cards.
Cons
- Limited third-party integrations outside of other Zoho products and QuickBooks Online.
Zoho Invoice
Best for Free invoice app
4.5
Starting at
$0
Free.
Promotion
N/A
Learn more
on Zoho Invoice's website
Pros
- Send up to 500 invoices per year for free.
- Portal lets clients pay invoices and view their transaction history.
- Payment gateway integrations include Stripe, PayPal, Square and more.
- Photograph receipts and attach them to expense reports.
- Free invoice app for iOS lets you add a timer widget to your home screen, send invoices via iMessage and add new contacts by taking photos of their business cards.
Cons
- Limited third-party integrations outside of other Zoho products and QuickBooks Online.
Starting at
$0
Additional pricing tiers (per month): $20.
Promotion
30-day free trial
of the Plus plan.
Learn more
on Square's website
Pros
- Unlimited invoicing, estimates, contracts, users and clients in all plans.
- Integrates with Square’s all-in-one payment platform.
- Streamlined and intuitive.
- Ability to process in-person and online card payments as well as cash, checks, ACH transfers, Apple Pay and Google Pay.
- Send recurring invoices.
- Automatic payment reminders.
- Gives clients the option to include a tip.
Cons
- Must use Square’s in-house payment processing to accept online payments.
- Free plan does not enable custom invoicing fields and the ability to auto-convert estimates into invoices.
Square Invoices
Best for Built-in payment processing
Starting at
$0
Additional pricing tiers (per month): $20.
Promotion
30-day free trial
of the Plus plan.
Learn more
on Square's website
Pros
- Unlimited invoicing, estimates, contracts, users and clients in all plans.
- Integrates with Square’s all-in-one payment platform.
- Streamlined and intuitive.
- Ability to process in-person and online card payments as well as cash, checks, ACH transfers, Apple Pay and Google Pay.
- Send recurring invoices.
- Automatic payment reminders.
- Gives clients the option to include a tip.
Cons
- Must use Square’s in-house payment processing to accept online payments.
- Free plan does not enable custom invoicing fields and the ability to auto-convert estimates into invoices.
Starting at
$0
Additional pricing tiers (per month): $16.
Promotion
N/A
Pros
- No billable client or invoice limits.
- Integrates with Wave Accounting.
- Recurring invoices and automatic billing for repeat clients.
- Automatic online payment reminders.
- Converts estimates into invoices.
Cons
- Limited features may not be suited for fast-growing businesses.
- Must use Zapier for third-party integrations.
Wave Invoicing
Best for Ease of use
Starting at
$0
Additional pricing tiers (per month): $16.
Promotion
N/A
Pros
- No billable client or invoice limits.
- Integrates with Wave Accounting.
- Recurring invoices and automatic billing for repeat clients.
- Automatic online payment reminders.
- Converts estimates into invoices.
Cons
- Limited features may not be suited for fast-growing businesses.
- Must use Zapier for third-party integrations.
PayPal Invoicing
4.5
Best for PayPal Business users
Starting at
$0
Free.
Promotion
N/A
Pros
- Straightforward and simple to use.
- No billable client or invoice limits.
- Send recurring invoices.
- Automatic payment reminders.
- Gives clients the option to include a tip.
- Converts estimates into invoices.
Cons
- Not as customizable as the competition.
PayPal Invoicing
Best for PayPal Business users
4.5
Starting at
$0
Free.
Promotion
N/A
Pros
- Straightforward and simple to use.
- No billable client or invoice limits.
- Send recurring invoices.
- Automatic payment reminders.
- Gives clients the option to include a tip.
- Converts estimates into invoices.
Cons
- Not as customizable as the competition.
Invoice Ninja
4.5
Best for Customization
Starting at
$0
Additional pricing tiers (per month): $12, $16.
Promotion
N/A
Pros
- Free plan supports unlimited invoices for up to 20 clients.
- Automatically transfer credit card processing fees to customers and allow them to tip on invoices or pay incrementally over time.
- Integrates with more than a dozen payment gateways including Stripe, PayPal, Square and Apple Pay.
- Built-in inventory tool tracks items as they’re invoiced.
- Portal lets clients view their invoices and payment history.
Cons
- No direct integrations with bookkeeping or accounting software.
- Enterprise plan pricing increases as you add more users.
Invoice Ninja
Best for Customization
4.5
Starting at
$0
Additional pricing tiers (per month): $12, $16.
Promotion
N/A
Pros
- Free plan supports unlimited invoices for up to 20 clients.
- Automatically transfer credit card processing fees to customers and allow them to tip on invoices or pay incrementally over time.
- Integrates with more than a dozen payment gateways including Stripe, PayPal, Square and Apple Pay.
- Built-in inventory tool tracks items as they’re invoiced.
- Portal lets clients view their invoices and payment history.
Cons
- No direct integrations with bookkeeping or accounting software.
- Enterprise plan pricing increases as you add more users.
Hiveage
4.5
Best for Simple billing software
Starting at
$0
Additional pricing tiers (per month): $19, $29, $49.
Promotion
14-day free trial
of the Pro plan.
Pros
- Free plan supports unlimited invoicing for up to five clients.
- Integrates with a dozen payment gateways including Stripe, PayPal, Square and more.
- Assign different billable rates to each type of task.
- Direct clients to your own custom domain with the Plus plan.
Cons
- No built-in, direct integrations with bookkeeping or accounting software.
- All plans have client limits (highest-tier Plus plan caps at 1,000).
Hiveage
Best for Simple billing software
4.5
Starting at
$0
Additional pricing tiers (per month): $19, $29, $49.
Promotion
14-day free trial
of the Pro plan.
Pros
- Free plan supports unlimited invoicing for up to five clients.
- Integrates with a dozen payment gateways including Stripe, PayPal, Square and more.
- Assign different billable rates to each type of task.
- Direct clients to your own custom domain with the Plus plan.
Cons
- No built-in, direct integrations with bookkeeping or accounting software.
- All plans have client limits (highest-tier Plus plan caps at 1,000).
Harvest
4.5
Best for Project invoicing
Starting at
$0
Additional pricing tiers (per month): $13.75, $17.50 per user.
Promotion
30-day free trial
Pros
- Offers a free plan (limited to two projects).
- Advanced time tracking features, including integrations with Google Calendar, Slack, Asana, Trello and other project management tools.
- Display billable hours by task, person or project on invoices.
- Snap and upload photos of billable expense receipts with the mobile app.
- Integrates with QuickBooks Online and Xero for accounting.
Cons
- Invoice customization options are limited. Free users can’t add company logos to invoices, and Harvest offers only two templates (one PDF and one GDoc).
- Payment integrations are limited to Stripe and PayPal.
Harvest
Best for Project invoicing
4.5
Starting at
$0
Additional pricing tiers (per month): $13.75, $17.50 per user.
Promotion
30-day free trial
Pros
- Offers a free plan (limited to two projects).
- Advanced time tracking features, including integrations with Google Calendar, Slack, Asana, Trello and other project management tools.
- Display billable hours by task, person or project on invoices.
- Snap and upload photos of billable expense receipts with the mobile app.
- Integrates with QuickBooks Online and Xero for accounting.
Cons
- Invoice customization options are limited. Free users can’t add company logos to invoices, and Harvest offers only two templates (one PDF and one GDoc).
- Payment integrations are limited to Stripe and PayPal.
Hopscotch
3.5
Best for Cashing unpaid invoices
Starting at
$0
Additional pricing tiers (per month): $45.
Promotion
45-day free trial
of the Pro plan.
Pros
- Offers a free plan.
- Flow feature allows you to access funds from unpaid invoices (comes with a service fee).
- Pro plan subscribers can integrate with QuickBooks.
- Offers option to pass credit card processing fees to client.
Cons
- Invoice customization options are limited, with just two main templates available.
- Business software integrations are limited; third-party payment integrations are not available.
- No time-tracking features.
Hopscotch
Best for Cashing unpaid invoices
3.5
Starting at
$0
Additional pricing tiers (per month): $45.
Promotion
45-day free trial
of the Pro plan.
Pros
- Offers a free plan.
- Flow feature allows you to access funds from unpaid invoices (comes with a service fee).
- Pro plan subscribers can integrate with QuickBooks.
- Offers option to pass credit card processing fees to client.
Cons
- Invoice customization options are limited, with just two main templates available.
- Business software integrations are limited; third-party payment integrations are not available.
- No time-tracking features.
Zoho Invoice
Best free invoice app
$0.
Payment processing fees vary depending on the payment gateway integration you choose.
Why we like it: Zoho Invoice’s free mobile app has a comprehensive feature set that lets you create and send estimates and invoices, log billable expenses, track time and view real-time reports. While it offers mobile apps for both iOS and Android devices, the iOS version includes extras, like a time tracking widget for your iPhone’s home screen and the ability to send invoices via iMessage. You can access the software via browser, too.
It also integrates with other Zoho platforms, including Zoho CRM, Zoho Projects and Zoho Analytics. Users have the option to upgrade to Zoho Books accounting software, too, which includes invoicing capabilities and offers its own free plan. Zoho Invoice integrates with other third-party programs, like QuickBooks Online, but accounting add-ons are limited beyond that.
Square Invoices
Best for built-in payment processing
- $0 per month for the Free plan.
- $20 per month for the Plus plan.
- 3.3% plus 30 cents for online card payments with the Free plan.
- 2.9% plus 30 cents for online card payments with the Plus plan.
- 2.6% plus 10 cents for in-person card payments.
- 3.5% plus 15 cents for card on file and manually keyed in payments.
- 1% for online ACH payments.
Why we like it: Square is right up there with PayPal as one of the world’s foremost all-in-one payment platforms for small-business owners. User-friendly design is its style, so even tech-shy users will likely be able to navigate its invoicing platform. Unlike many of the software solutions on this list that require integration with a payment gateway, as a payment processor first and foremost, Square offers a built-in processing solution. That makes it a great option for existing Square POS users who want to add invoicing functionality and small-business owners who don’t want the hassle of choosing a separate payment gateway to accept payments. For additional customization and project management features, you can upgrade to the Plus plan. Square also offers e-commerce, payroll, team management, customer relationship management (CRM), marketing and business banking tools that all integrate with its invoice software.
Wave Invoicing
Best for ease of use
- $0 for the Starter plan.
- $16 per month for the Pro plan.
- 2.9% plus 60 cents for Visa, Mastercard and Discover payments with the Starter plan.
- 2.9% for the first 10 transactions each month for Visa, Mastercard and Discover payments with the Pro plan (then Starter plan rates apply).
- 3.4% plus 60 cents for AmEx payments with the Starter plan.
- 3.4% for the first 10 transactions each month for AmEx payments with the Pro plan (then Starter plan rates apply).
- 1% for ACH payments.
Why we like it: Wave offers free invoicing and accounting software, with the option to pay for payment and payroll features. You can upgrade to the Pro plan to access chat and email support, capture and upload receipts, add users and automatically import bank transactions.
Wave’s invoicing software is ideal for self-employed professionals who also want access to income and expense tracking, along with reports like a profit and loss statement, balance sheet, cash flow statement and sales tax breakdown. The system updates you when your client views an invoice, pays it or it becomes due so you can make sure you’re being paid on time.
PayPal Invoicing
Best for PayPal Business users
$0.
- 3.49% plus 49 cents for PayPal, Venmo and Pay Later payments.
- 2.99% plus 49 cents for debit card, credit card and Apple Pay payments.
Why we like it: If you’re already using PayPal for any of its many business services (PayPal's POS system, payment gateway and business financing are three of the platform’s more popular business services), then PayPal Invoicing, available through the free PayPal Business app, will fit nicely into your current workflow. The platform is primed for existing PayPal users to send basic invoices quickly, automatically and from anywhere.
Invoice Ninja
Best for customization
- $0 per month for the Free plan.
- $12 per month for the Ninja Pro plan (or $120 billed annually).
- $16 per month for the Enterprise plan for up to 2 users (or $160 billed annually); price increases with more users.
Payment processing fees vary depending on the payment gateway integration you choose.
Why we like it: Invoice Ninja is an open-source platform, so developers from around the world can contribute to testing and improving the software. That also means you can write your own code (or hire a developer to do so) for a completely customized version, designed for exactly your business needs. Aside from the basics, Invoice Ninja includes unique features, like the ability to automatically add payment gateway fees to your invoices to pass the fees along to your customers. However, there is no built-in, direct integration with QuickBooks Online or Xero for accounting.
The software’s basic plan is free and users can upgrade to the Ninja Pro plan or the Enterprise plan. Upgrading to a paid plan gives you the ability to invoice unlimited clients and to access dozens of other features.
Hiveage
Best for simple billing software
- $0 per month for the Free plan.
- $19 per month for the Basic plan (or $16 per month billed annually).
- $29 per month for the Pro plan (or $25 per month billed annually).
- $49 per month for the Plus plan (or $42 per month billed annually).
- 2.9% per transaction if you use Hiveage Payments.
- Payment processing fees vary if you choose to integrate with a payment gateway.
Why we like it: Hiveage stands out for its simplicity. Creating one-time and recurring invoices is straightforward, the dashboard is easy to navigate, and it offers time and expense tracking even in the free version. You can accept online payments with any plan, but to accept offline payments through cash, check and bank transfer, you’ll have to subscribe to the most expensive Plus plan. Hiveage can also integrate with accounting, CRM and project management software via Zapier.
Harvest
Best for project invoicing
- $0 per month, 1 user, for the Free plan.
- $13.75 per user per month for the Pro plan (or $11 per user per month billed annually).
- $17.50 per user per month for the Premium plan (or $14 per user per month billed annually).
Payment processing fees vary depending on the payment gateway integration you choose.
Why we like it: When it comes to invoicing, Harvest’s estimate, invoice and payment collection tools are easy to navigate, and it offers helpful features like automated email reminders to customers with late payments. If you’re concerned about credit card processing fees adding up, you can switch off the ability to pay with a credit card through Stripe. Instead, your invoices will give clients the option to pay only via ACH transfer.
Hopscotch
Best for cashing unpaid invoices
- $0 per month for Hopscotch plan.
- $45 per month for Hopscotch Pro plan (or $36 per month billed annually).
- 2.9% to 3.25% for credit card transactions with the free plan (depending on your average transaction amount).
- 2.75% for credit card transactions with the Pro plan.
- $0 for ACH transfers.
- Variable rates for Hopscotch Flow.
Why we like it: Hopscotch is a straightforward, free invoicing solution that doesn’t put caps on billable clients, invoices or bills. You can text or email invoice links to clients and connect the software with your bank account for easy transfers and deposits. While business software integrations are limited, you can upgrade to the Pro plan to sync with QuickBooks and create a custom payment gateway.
Free invoicing software lets you bill clients and accept payments online without having to pay a monthly fee. Typically, you choose from a list of invoice templates, add your logo, enter payment terms and send the invoice to your client from within the software through email or text message. From there, your client can choose how they want to pay, whether it’s through a check, credit card, debit card or another payment method like PayPal or Apple Pay. Free invoice software tracks the invoice’s status each step of the way.
The free version of the software sometimes comes with invoice and client limits or fewer features than paid programs. Some options, like Square Invoices, offer paid plans that you can upgrade to should your needs change. Whether you use free or paid invoicing software, you will have to cover payment processing fees when a client pays their invoice online. These fees vary depending on your payment processor.
As you weigh free invoice software options, consider them in the context of your entire business software ecosystem. Will all of the programs be able to exchange information with each other? In particular, check to make sure your free invoice software integrates with your small-business accounting software and your preferred payment processor.
Your business’s trajectory also plays an important role in the decision-making process. If you plan to grow your business, you may want to look for options with more robust paid plans that you can upgrade to in the future. Options that put a cap on invoices, clients or users could be limiting.
Key features of free invoice software
Here are important features you’ll likely want your free invoicing software to include:
- Customizable invoices. Many free invoice options may lack full customizability or large libraries of invoice templates to choose from, but most free invoicing software products should enable you to customize your fees (including adding a tipping option) and terms based on the project and include your business logo.
- Estimate-to-invoice conversions. Most invoice software products, free or paid, can simplify business processes for you by automatically converting approved estimates to invoices. This feature can save you time and reduce errors.
- Recurring billing. This automation feature makes it easy for you to schedule invoices to be regularly sent to your repeat clients.
- Time tracking tools. Some free invoice software will include a feature for tracking time so you can be sure the bills you send to your customers are accurate. If your invoice software doesn’t include a built-in feature for tracking time, then look for software that integrates with time tracking apps.
- Automatic payment reminders. This automation feature is pretty nearly ubiquitous among free and paid invoicing software. Letting your software do the tricky and time-consuming work of chasing clients for payment can take a real weight off.
- Accounting software integration. Many accounting software products now include invoicing tools. But if you opt for a free invoicing solution, you’ll likely want it to integrate directly with a popular accounting product so your billing and invoicing data feeds directly into your accounting software. This will make it easier to consolidate your financial reports and prepare to file your taxes.
- Payment options. Your free invoice software should make it easy for your customers to pay you directly through your invoices. Some invoice software integrates with payment gateways that act as the payment processors and set the payment processing fees (which you will have to pay each time you collect payment on an invoice, even if your invoice software itself does not charge a monthly fee). Other invoice software offers in-house payment processing, for which the company sets its own processing rates. Consider your customer base and how they may prefer to pay (e.g., with a credit card, PayPal, Apple Pay or another method) when you’re weighing your free invoice software options.
Last updated on January 2, 2025
Methodology
To determine the best invoicing and billing software, NerdWallet considered the following features:
Invoicing capabilities: The best invoicing and billing software should offer invoice customization options, the ability to send automatic payment reminders and accept online payments, a dashboard to easily track invoice and billing status plus some reporting capabilities. Standout products also make it easy to convert estimates to invoices and offer most or all features within a mobile app as well.
Affordability: Most of the plans for the software included on our list start below $20 per month (and many offer free plans).
Integrations: Ideally, standalone invoicing and billing software directly integrates with popular accounting software, like QuickBooks Online and Xero. Some of the higher-rated products on our list also offer direct integrations with e-commerce, CRM, inventory and other software applications.
Additional consideration was given to customer support availability, pricing transparency and whether a free trial is offered for paid products.
NerdWallet does not receive compensation for any reviews. Read our editorial guidelines.
Frequently Asked Questions
Lots of invoicing software programs, like the ones listed above, let you generate invoices for free. You can usually choose from various templates and upload your own logo. However, you’ll need to pay processing fees if you’re accepting payments online. Fees vary depending on which payment gateway you choose.
Simple invoicing software, like Wave, lets you create invoices on the go in just a few steps. It has enough automation features — like automatic payment reminder emails — to streamline the invoicing process, but not so many add-ons that you’re overwhelmed.
These types of invoice apps are best for businesses that only need to include basic information like due dates, sales tax, and product or service descriptions on their invoices and don’t require complex accounting features.
There are several free invoice apps on the market, including our top picks above. For more complex invoicing needs, many of these providers also offer paid plans, which can cost upward of $40 per month. Paid plans usually allow you to give access to more users and invoice more clients. If you already subscribe to accounting software, though, you’ll likely save money by using the invoicing features it includes. That way, you don’t have to add another monthly payment to your expenses.