Best Invoicing Software in 2026

QuickBooks Online is Intuit's cloud accounting software and the most common route by which US small businesses issue invoices inside a full bookkeeping system. Invoices can be paid by card or bank transfer through QuickBooks Payments and post directly to accounts receivable, so cash collected is matched to the invoice in the same ledger used for tax and reporting.

Four paid plans were listed in November 2026 at regular monthly prices of US$38 (Simple Start, one user), US$85 (Essentials, three users), US$140 (Plus, five users) and US$340 (Advanced, 25 users), with 50% off for three months for new customers. Essentials adds billing of employee time on invoices and a beta bulk-invoice tool, while Advanced adds batch creation, editing and sending of multiple invoices. A free plan exists for one user, limited to two invoices a month unless the user qualifies for and enables QuickBooks Payments, in which case invoices are unlimited. The free plan's dependence on Intuit's payment service, and the significant rise in price after the promotional period, are the main drawbacks; businesses needing only invoicing pay for accounting features they may not use.

FreshBooks was founded in 2003 by Mike McDerment and is headquartered in Toronto. It began as invoicing software for service businesses and grew into a small-business accounting product; the company says more than 500,000 small businesses in over 160 countries have used it.

Plans are tiered by the number of billable clients: Lite (US$23 per month, five clients), Plus (US$43, 50 clients), Premium (US$70, unlimited clients) and a custom-priced Select plan; promotional pricing cut the first four months by 80%. Team members cost US$11 per user per month on Lite, Plus and Premium, and Select includes two. Card payments through FreshBooks Payments or Stripe cost 2.9% plus 30 cents, and ACH bank transfers 1%; an Advanced Payments add-on costs US$20 per month, and FreshBooks Payroll is available at US$40 plus US$6 per user. A 30-day free trial requires no credit card. The per-client limits on the cheaper plans and per-user fees for staff can push growing firms into higher tiers quickly.

Xero is a cloud accounting platform used by small businesses and their accountants, with invoicing, quotes, bills and bank reconciliation in one product. In the United States it is sold in three plans: Early at US$27 per month, Growing at US$59 and Established at US$97, with 80% off for the first three months for eligible new US customers using a promotional code.

The Early plan allows users to send quotes and 20 invoices and enter five bills, and includes 30-day cash-flow forecasting; automatic reconciliation is a US$5 monthly add-on. Growing removes the invoice limit and adds a 60-day forecast, customisable dashboards and auto-reconciliation, while Established adds multiple currencies, project time and cost tracking, KPI analysis, international bill payments and a 180-day forecast. Xero suits businesses that want invoicing and full bookkeeping in one place and that work with an accountant who uses Xero. The 20-invoice cap makes the Early plan unsuitable for most active businesses, and multi-currency invoicing requires the most expensive plan.

Stripe Invoicing is the invoicing product of Stripe, the online payments company. Instead of a subscription it charges a percentage of each paid invoice: 0.4% on the Starter tier and 0.5% on Plus, which adds quotes, with no fixed or setup fees; Stripe's payment-processing fees apply on top. Standard US online card processing is 2.9% plus 30 cents per successful domestic card transaction and ACH Direct Debit is 0.8% capped at US$5.

Each invoice links to a Stripe-hosted, mobile-friendly payment page offering more than 125 payment methods, and invoices can be issued in more than 135 currencies and 25 languages. Automatic reminder emails, Smart Retries for failed payments, automatic reconciliation of bank transfers, aging charts and accounting and ERP integrations extend it into accounts-receivable automation, and Stripe works with partners on regulated e-invoicing. Stripe states that 87% of its invoices are paid within 24 hours, a company figure. The product is designed for businesses already using Stripe and comfortable with developer tools; it is not a bookkeeping system, so invoices must be synced to accounting software, and percentage fees become significant on large B2B invoices.

Zoho Invoice is a free invoicing application from Zoho, the business-software group that also sells Zoho Books and Zoho Billing. Zoho describes it as a forever-free invoicing solution for small businesses. The free service allows up to two users, three projects and 500 invoices a year, and invoices carry "Powered by Zoho Invoice" branding.

Within those limits it is aimed at freelancers and small service firms whose annual invoice volume is modest; the pricing page did not itemise the feature set, so capabilities such as recurring invoices or specific payment gateways should be confirmed in the product. Businesses that outgrow the free allowance are directed to contact Zoho, and the company positions Zoho Billing as the advanced option for subscription and recurring revenue. The absence of a paid Zoho Invoice tier means growing users must migrate to another Zoho product rather than upgrade in place, and the three-project limit restricts firms that track time against many engagements. The branding cannot be removed on the free plan.

Wave Financial, a Canadian company backed by H&R Block, offers invoicing as part of its small-business accounting software and says it has helped more than 5.9 million small business owners in the US and Canada since 2010. Its free Starter plan includes unlimited estimates, invoices, bills and bookkeeping records, invoicing from the mobile app and optional online payments.

The Pro plan, at US$19 per month or US$190 a year (C$25 or C$250 in Canada), adds automatic invoice sending, deposits collected on estimates, automatic reminders three, seven and 14 days after the due date, branded templates without Wave's footer, attachments and reusable message templates. Card fees on Starter are 2.9% plus 60 cents (3.4% plus 60 cents for American Express); on Pro the first ten card transactions each month carry no per-transaction fee, after which the same rates apply. A bookkeeping service, Wave Advisors, starts at US$149 per month. The 60-cent fixed fee is higher than Stripe's 30 cents, which makes small card payments comparatively expensive.

Square Invoices is the invoicing product of Square, the point-of-sale and payments company. It is included in Square's free plan alongside the point-of-sale app, online site, item library, booking and business banking accounts, and is aimed at sellers who already accept payments with Square or who invoice in the field from a phone.

Square sells Invoices in three tiers, Free, Plus and Premium. Plus, which comes with a free trial, caps the fee on ACH bank transfers at US$10, making it suitable for larger invoices paid by bank; Premium offers Square's lowest invoice processing fees and 24/7 phone support; and businesses processing more than US$250,000 a year can request custom pricing. The pricing page did not render plan prices or card rates during research, so those are not stated here. Square Invoices suits retailers, trades and service businesses already using Square, because payments, deposits and customer records are shared with the point of sale. It is less suited to businesses that need full accounting, multi-entity invoicing or complex tax handling.

Invoice Ninja is an invoicing, quoting and payments application whose source code is published in a public GitHub repository (invoiceninja/invoiceninja), with a self-hosting option documented at invoiceninja.org; the company also sells a hosted service. This makes it one of the few invoicing tools a business can run on its own servers.

The hosted Free plan allows unlimited invoicing for up to five clients with 11 templates, but without API access, branding removal or extra users. Ninja Pro costs US$14 per month or US$140 a year and adds unlimited clients, branding removal, REST API access, automatic late-payment reminders and Gmail or Microsoft email sending. Enterprise is priced by users, from US$18 per month for one or two users up to US$300 for 51–100 users, and adds per-user permissions, bank-account sync and e-invoicing through PEPPOL. Paid plans carry a 30-day money-back guarantee. The open-source route gives control over data, but self-hosting requires technical skills, and the hosted free plan's five-client limit is tight.

HoneyBook is a US client-management platform for independent service businesses such as photographers, designers, planners and consultants. It combines proposals, contracts, scheduling and invoicing so that a client can accept a proposal, sign a contract and pay a first invoice in one flow. Invoicing and payments are included on every plan, with one-time, recurring or custom payment schedules, autopay, reminders, payment plans, late fees and discounts.

Three plans were published in November 2026: Starter at US$29 per month billed annually (US$36 monthly), Essentials at US$49 (US$59) and Premium at US$109 (US$129). A 30-day free trial requires no credit card, and there is a 60-day money-back guarantee. HoneyBook's card fees were stated as starting at 2.7% plus 10 cents, ACH at 1.5% and instant deposit at 1%, although the plan comparison table listed 2.9% plus 25 cents, so the applicable rate should be confirmed. Premium subscribers processing more than US$500,000 a year may qualify for lower card fees. HoneyBook is designed around client projects, so it is a poor fit for product businesses or high-volume B2B invoicing.

Bonsai is a business-management workspace for freelancers, consultants and small agencies that combines proposals, contracts, projects, time tracking and invoicing. It is priced per user: Basic at US$15 per month (US$9 billed annually), Essentials at US$25 (US$19), Premium at US$39 (US$29) and Elite, with a three-user minimum, at US$59 (US$49).

Invoices and payments start on the Essentials plan; billing features listed include unlimited invoices, online payments, retainer invoices, subscription invoices, scheduled sending, locked attachments, multi-currency billing and the attachment of time entries and expenses to invoices, with expense mark-up on Elite. A seven-day trial gives full access. Bonsai's strength is linking invoices to the work that produced them, which suits agencies billing retainers and hours. The cheapest Basic plan does not include invoicing, the trial is shorter than most competitors' 30 days, and the pricing page says payment fees vary by method without listing them.

Harvest is time-tracking and invoicing software for agencies, consultancies and other firms that bill by the hour. Hours and expenses recorded against projects are turned into invoices that can be generated, sent and tracked from the same account. The free plan allows one seat and two projects and includes time tracking, invoicing and expense tracking.

The Teams plan costs US$11 per seat per month, or US$9 per seat billed annually, with unlimited seats, team reporting and integrations with QuickBooks Online, Xero, Stripe and Deel; additional invoices, projects, clients and tasks are billed by usage. Enterprise costs US$17.50 per seat per month, or US$14 billed annually, and adds unlimited custom reports, profitability reporting, timesheet approvals, an activity log and SAML single sign-on. A 30-day trial requires no credit card. Harvest is not an accounting system and relies on sync to QuickBooks or Xero for the ledger; usage-based charges for additional invoices on paid plans make costs less predictable than flat-rate invoicing tools.

Invoice2go is a mobile-first invoicing app aimed at contractors, tradespeople and small service businesses who quote and invoice from a phone. It bundles estimates, invoices, client and project tracking, time tracking, expenses and appointment scheduling, and offers a business bank account through TransPecos Banks, SSB.

Plans are defined by annual invoice allowance and card fees: Starter allows 30 invoices a year with 3.5% card fees and free ACH bank transfers; Professional allows 100 invoices with 3.0% card fees, QuickBooks and Xero integration and advanced reports; and Premium offers unlimited invoices, 2.9% card fees, recurring invoices and phone support, and is pitched at businesses earning more than US$100,000 a year. PayPal payments cost 2.9% plus 30 cents on all plans, every plan includes unlimited team members, and a 30-day free trial requires a credit card. Subscription prices were not displayed in the page text retrieved during research. The invoice caps on Starter and Professional are low for active businesses, and if a subscription lapses, individual documents can no longer be viewed in the app until data is exported.