Invoicing & Payments

From Marissa: I've tried nearly every invoicing tool out there. The thing most reviews don't tell you: 'free' is rarely free once you factor in payment processing fees, transaction percentages, and the features locked behind paid plans. Here's what I actually found.

All reviews

Invoicing & Payments

16 tools reviewed — from truly free invoicing apps to full accounting suites. Every tool evaluated on actual fees, payment speed, and solo usability.

Best free option

Wave

Genuinely free invoicing and accounting. The catch: 2.9% + 60¢ per transaction, which adds up fast if you're doing volume.

FreeAccounting includedHigher payment fees

Read review → Top pick

FreshBooks

The cleanest invoicing experience I've found for solo professionals. Slightly pricier than Wave but saves real time.

Starting at $19/moLow payment feesGreat UX

Read review → Full comparison

Wave vs FreshBooks

The real numbers on what each actually costs when you run the math on fees. Might surprise you.

ComparisonComing soon

Read review → Best all-in-one

HoneyBook

If you already use HoneyBook for CRM, invoicing is built in. No need for a separate tool.

All-in-oneStarting at $19/mo

Read review → Freelancer-focused

Bonsai

Good invoicing as part of a broader freelance business tool. Worth considering if you also need contracts.

Freelancer-firstStarting at $21/mo

Read review → Best for high volume

Stripe Invoicing

Straightforward, trusted, and integrates with everything. Best if you're already using Stripe for payments.

Developer-friendly0.4% per invoiceNo monthly fee

Read review →

Get paid faster —
without the fees.