10 Best Free Invoicing Software of 2026

Zoho Invoice is the only product on this list with no paid plan to sell you, and its free tier is still the most complete. Zoho's US pricing page lists quotes, recurring invoices, automated payment reminders, custom templates, expense recording, time logging, a self-service customer portal and reports on sales and receivables, all at $0. Customers can pay online through the payment gateways you connect, and the gateway sets the card fee. The limits are spelled out in Zoho's FAQ: two users, three projects and up to 500 invoices a year, which is roughly 40 a month. Invoices include "Powered by Zoho Invoice" branding, and Zoho deletes data from accounts that stay inactive for more than 180 days, after a warning. A business that needs more volume is pointed to Zoho Billing, which is a separate product. For a freelancer or small team billing a few dozen clients a month, nothing else here gives as much for free.

Wave's free Starter plan puts no cap on invoices, estimates, bills or bookkeeping records, which makes it the most generous option here for a business that sends a lot of invoices. Clients can pay by credit card, bank payment or Apple Pay, and Wave's invoicing page describes recurring invoices with automatic card charges for repeat customers. Each invoice is linked to Wave's accounting, so income lands in the books without a second entry. The cost shows up in fees rather than a subscription: Starter charges 2.9% + $0.60 per card payment and 3.4% + $0.60 for Amex. Pro, at $19 a month or $190 a year, removes the $0.60 fixed fee and adds automated late payment reminders, bank transaction import and unlimited receipt capture. Wave notes that online payments are subject to identity verification and a credit review, so approval is not automatic. A business sending many small invoices should run the numbers on the fixed fee before staying on Starter.

Square Invoices comes with every Square plan, including Square Free, which has no monthly subscription. On the free plan you can send unlimited invoices, set recurring invoices on a daily, weekly, monthly or yearly schedule, request deposits with their own due dates and send estimates by email, text or link. Clients can pay by card, ACH bank transfer or Afterpay installments, and the same Square account takes in-person payments, which suits trades and shops that bill some jobs and ring up others. Fees are the trade-off. On Square Free, invoice card payments cost 3.3% + 30¢ and ACH costs 1% with a $1 minimum. Square Plus, at $49 a month per location, lowers the online card rate to 2.9% + 30¢, caps ACH at $10 and adds payment schedules and custom invoice templates. Plus and Premium include a 30-day free trial. A business invoicing mostly by ACH or paying higher card fees should price the two plans side by side.

Invoice Ninja's free plan is narrow but deep. It covers only five clients, yet within that limit you get unlimited invoices, 11 templates, your logo, recurring invoices with auto-billing, deposits and partial payments, product and inventory records, projects with billable time and Kanban boards, expenses and a client portal. Clients pay through the gateway you connect, and Invoice Ninja lists Stripe, PayPal, Square and GoCardless among the options. Zapier, Make and n8n connections are included on every plan. The gaps on the free tier are the ones a growing freelancer notices first: automatic late payment reminders, removal of the "Created by Invoice Ninja" line and the REST API all sit in Ninja Pro at $14 a month or $140 a year, which also lifts the client limit. Enterprise adds extra users, bank sync and PEPPOL e-invoicing from $18 a month. The interface has more settings than Wave or Zoho, so setup takes longer.

PayPal Invoicing is the simplest way to bill clients who already use PayPal or Venmo. PayPal's developer documentation describes itemized invoices shared by secure link, merchant-branded email or QR code, with payment through a hosted PayPal page that accepts PayPal, Pay Later, Venmo, credit and debit cards, Apple Pay and Pay by Bank. Many customers can pay without a PayPal account, depending on region. Invoices support recurring payments, partial payments, discounts, taxes and automatic reminders, and a REST API is available if you want to send invoices from your own system. The cost is in transaction fees. PayPal's US fee page lists 2.99% plus a fixed fee for card and wallet payments on invoices, 3.49% plus a fixed fee for PayPal and Venmo checkout, 1% capped at $10 for bank payments, and an extra 1.50% on international invoices. There are no estimates, projects or bookkeeping, so it works as a payment request tool rather than a full invoicing system.

Stripe Invoicing has no subscription and no setup fee. Stripe charges 0.4% of each paid invoice on the Starter plan, or 0.5% on Plus, which adds quotes, and Stripe Payments fees apply to the card or bank payment itself. In return, even Starter includes a hosted invoice page sent by link, invoice reports in the Dashboard, a customer portal where clients manage payment details and invoices, automatic collection with smart retries and email reminders, and automatic reconciliation of invoices paid by ACH credit or wire. Invoices can be created by hand in the Dashboard or generated through the API, which makes it a fit for software companies that bill some customers by invoice and others by card. A freelancer sending a few invoices a month will find the Dashboard more technical than Wave or Square, and the extra 0.4% matters on large invoices. Stripe asks businesses with large invoice amounts to contact sales about pricing.

QuickBooks Solopreneur's free plan is aimed at self-employed people who care as much about tax time as about invoicing. Intuit lets you customize and send two invoices a month, or unlimited invoices if you qualify for and turn on QuickBooks Payments, and clients can pay by PayPal, Venmo, Apple Pay, card or ACH. Estimates take mobile signatures and convert into invoices. Around that sit income and expense tracking, three core reports, two receipt uploads and five mileage trips a month, and 1099 handling for one contractor. Lite, listed at $20 a month with a 50% discount for the first three months, removes the invoice, receipt and mileage limits, adds instant deposit and automated bill pay and covers three contractors. The free plan is for one user with no accountant access. Anyone who does not want to process payments through Intuit is effectively limited to two invoices a month, which makes the free tier a starting point rather than a long-term home.

Harvest is a time tracker first, and its free plan is built for one person billing by the hour. Free covers one seat and two projects with time tracking, invoicing, expense tracking and the Mac and iOS apps. Invoices are generated from the hours and expenses already in Harvest, which removes the step where freelancers copy timesheets into a separate invoice. Clients can pay online through Harvest's PayPal and Stripe integrations, and invoices and payments can be copied to QuickBooks Online or Xero. The two-project cap is the real limit: a freelancer with three active clients will need Teams, which costs $9 per seat a month billed annually or $11 billed monthly and adds unlimited seats, team reporting and capacity tracking. Paid plans come with a 30-day trial and Harvest says data carries over on upgrade. If you bill fixed fees rather than hours, Zoho Invoice or Wave give more for free.

Indy bundles the paperwork around an invoice, not just the invoice. The free plan includes proposals, contracts and invoices, plus projects, a calendar, forms, tasks, a time tracker and 10GB of storage. That makes it useful for a freelancer who wants to send a proposal, get a contract signed and bill the work without switching tools. The catch is volume. Indy's FAQ explains that the free plan allows three clients in its CRM and three each of invoices, contracts and proposals per month, and unused allowances do not roll over. Recurring invoice series, a branded client portal, Zapier, Gmail and Google Calendar sync and white labeling are Pro features. The lowest Pro price, $12.50 a month, requires paying $300 every two years, and a 7-day trial is available first. For a freelancer with one to three clients a month, the free plan covers the whole client cycle; anyone busier will need Pro or a different pick on this list.

Zervant is built for small businesses in Europe and the UK, and its pricing page shows plans in euros, pounds, kronor and Swiss francs rather than US dollars. The free plan lets you invoice five customers with five invoices a month, sent by email or PDF, along with unlimited estimates, time tracking, the mobile app and online card and bank payments, which are charged per use through Stripe. Zervant's FAQ also mentions financial reports that can be exported for an accountant. Support is free and available in English, French, German, Finnish and Swedish. The limits are tight: converting estimates to invoices and payment reminders start on Starter, while recurring invoices, down payments and bank connection are in Pro. Monthly paid plans include a 14-day free trial, and cancelled accounts fall back to the free plan with data kept. A US business will find more room on Zoho Invoice or Wave, but a European sole trader billing a handful of clients can run on Zervant for free.