Optional analytics and affiliate attribution are off until you make an affirmative choice.

Privacy settings

Optional analytics and affiliate attribution are off until you make an affirmative choice. You can allow them separately, reject both, or withdraw a previous choice.

Necessary page delivery, security and storage of your privacy choice continue. See our Privacy Policy.

Accounting & invoicing for Freelancers

Last updated Oct 9, 2026

Why this list differs

These lists use the scores we gave for Freelancers, not the all-buyers scores. Wave is #2 here, #3 for all buyers; FreshBooks is #3 here, #10 for all buyers.

Accounting software

Our top picks

  1. Top scoreLowest price
    Rank 1

    ZipBooks

    Freelancers who bill tracked time by project on a $15 plan, with a free plan for invoicing

    • No introductory discount: the price shown is the regular price.
    • Leaving: Cancel the paid plan any time under Account > Subscription ('Cancel Accounting Plan'); the account reverts to the free Starter plan with all records kept. No cancellation fee is stated. Deleting the account is by email request and not reversible..
    • A free plan.
    No affiliate relationship
    8.7/10Very goodOur score
    $0per month · checked Sep 27, 2026
    Visit ZipBooksOn zipbooks.com
  2. Lowest price
    Rank 2

    Wave

    Sole traders who want free invoicing and reports with nothing to pay

    • Entry plan (Starter) $0.00 a month at the regular price.
    • No introductory discount: the price shown is the regular price.
    • Leaving: Starter is free with nothing to cancel. Pro: cancel any time, effective at the end of the paid period, then the business returns to the free Starter plan; account data can be downloaded (Business settings > Data Export)..
    No affiliate relationship
    8.2/10Very goodOur score
    $0per month · checked Sep 25, 2026
    Visit WaveOn waveapps.com
  3. Rank 3

    FreshBooks

    Freelancers who bill by time and by project and track mileage

    • Includes 5 of 5: time tracking, project billing, estimates, mileage tracking, online invoice payments.
    • Leaving: Cancel any time; the account stays active and accessible until the end of the billing cycle, then the data is kept and the account can be reactivated. No cancellation fee is mentioned. Same article: accounts inactive 30 days or more may be deactivated and deleted (email notice first)..
    • One user is enough for a freelancer.
    No affiliate relationship
    8.1/10Very goodOur score
    $23per month · checked Sep 25, 2026
    Visit FreshBooksOn freshbooks.com
  4. Lowest price
    Rank 4

    Zoho Books

    Small businesses that want three users and receipt scanning on a $15 plan

    • No introductory discount: the price shown is the regular price.
    • Leaving: No contract ('pay-as-you-go ... you may cancel your subscription'); after cancelling the data stays in read-only mode and can be exported before cancelling; accounts inactive more than 120 days are permanently deleted. No cancellation fee is mentioned..
    • A free plan.
    No affiliate relationship
    8.1/10Very goodOur score
    $0per month · checked Sep 25, 2026
    Visit Zoho BooksOn zoho.com
  5. Service firms that want proposals, time tracking and invoicing in one tool, priced per user

    • No introductory discount: the price shown is the regular price.
    • One user is enough for a freelancer.
    • Includes 4 of 5: time tracking, project billing, estimates, online invoice payments.
    No affiliate relationship
    7.6/10GoodOur score
    $15per month · checked Sep 27, 2026
    Visit BonsaiOn hellobonsai.com
  6. Lowest price

    Businesses that want all five basics we check, receipt capture included, on the entry plan

    • Leaving: Cancel any time (pricing FAQ: 'you're free to switch QuickBooks Online plans or cancel at any time'; 'No annual contract / Cancel anytime'); after cancelling a paid subscription you keep read-only access for one year and can export to Excel or QuickBooks Desktop for up to a year. No cancellation fee is mentioned..
    • A free plan.
    • One user is enough for a freelancer.
    No affiliate relationship
    6.4/10FairOur score
    $0per month · checked Sep 25, 2026
    Visit QuickBooks OnlineOn quickbooks.intuit.com
  7. Rank 7

    Kashoo

    Businesses that want unlimited users and income and costs tracked by project on one plan

    • No introductory discount: the price shown is the regular price.
    • One user is enough for a freelancer.
    No affiliate relationship
    6.1/10FairOur score
    $30per month · checked Oct 9, 2026
    Visit KashooOn kashoo.com
  8. Rank 8

    Akaunting

    One-person businesses that want open-source books at $8 a month billed yearly, adding paid apps as needed

    • No introductory discount: the price shown is the regular price.
    • One user is enough for a freelancer.
    • Entry plan (Standard Cloud) $8.00 a month at the regular price.
    No affiliate relationship
    5.8/10PoorOur score
    $12per month · checked Sep 27, 2026
    Visit AkauntingOn akaunting.com
  9. Rank 9

    Patriot Software

    Businesses that want unlimited users and bank feeds on a $20 plan

    • Leaving: Cancel any time in the account; billed monthly in arrears for the days active, no cancellation fee stated; after termination data is read-only and reports can still be viewed and downloaded..
    • One user is enough for a freelancer.
    No affiliate relationship
    5.7/10PoorOur score
    $20per month · checked Sep 25, 2026
    Visit Patriot SoftwareOn patriotsoftware.com
  10. Rank 10

    Xero

    Businesses that send a few invoices a month and want unlimited users

    • One user is enough for a freelancer.
    No affiliate relationship
    5.6/10PoorOur score
    $27per month · checked Oct 6, 2026
    Visit XeroOn xero.com

Report an error on this page