Finance Tools for Freelancers
Useful finance and accounting tools for freelancers – from taxes to budgeting.
- Accounting, invoicing, taxes & business accounts
- From simple invoicing to full accounting solutions
- Tested integrations with tax and banking systems
Recommended Finance Tools
Recommended BillingEngine
Invoicing and expense tracking for freelancers with automated billing
FREEMIUM
Recommended Lexware
Accounting software with invoicing, expense tracking and tax filing for German freelancers
PAID
Recommended Stripe
Payment processor for freelancers, 1.5% per card transaction, no monthly fees
FREE
Recommended Wise
International transfers at real exchange rates with local bank details in 40+ currencies for
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Accountable
Tax filing, invoicing and accounting software for self-employed and freelancers
FREEMIUM
Ageras
Marketplace connecting freelancers with vetted accountants for free quotes and tax advice
FREE
Billdu
Mobile and desktop invoicing with estimates, receipts and payment tracking
FREEMIUM Recommended BillingEngine
Invoicing and expense tracking for freelancers with automated billing
FREEMIUM
billtano
Cloud-based invoicing for freelancers sending occasional bills with templates and payment tracking
PAID
bunq
Dutch business banking with virtual cards, automatic tax prep and green focus
FREEMIUM
Collective
Accounting, tax filing and payroll management for US self-employed workers
PAID
Dropbox Sign
Digital document signing for freelancers and clients with up to 3 free signatures monthly
FREEMIUM
easybill
Invoicing software with shop integrations for ecommerce sellers and freelancers
FREEMIUM
Finom
Business account with IBAN, invoicing and up to 3% cashback on expenses
FREEMIUM
Found
Business checking account with built-in tax estimation, invoicing and expense tracking for US
FREEMIUM
FreshBooks
Cloud accounting with invoicing, expense tracking and project timers
PAID
Full Scope
Invoice generation, expense tracking and financial reporting for freelancers and creative
FREEMIUM
GetMyInvoices
Automatically collects and organizes receipts from 10K+ online portals for expense tracking
PAID
Goodlance
Accounting, invoicing, time tracking and project management combined for freelancers
FREEMIUM
Gusto
US payroll, benefits and HR management for freelancers with employees
PAID
Heev
Time tracking, invoicing and expense management for freelancers
FREEMIUM
Hiscox
Professional liability insurance for freelancers with fast online signup
PAID
Holvi
Business account with invoicing and bookkeeping for freelancers and self-employed
FREEMIUM
Invoice Ninja
Open-source invoicing with client management, expenses and payment tracking
FREEMIUM
Invoicely
Invoicing software for freelancers with customizable templates and payment tracking
FREEMIUM
Kleverbill
Invoice generator for self-employed professionals with automated templates and instant PDF exports
PAID
LegalZoom
Business formation, contract templates and trademark registration for entrepreneurs
PAID
Lettuce
Automated tax prep and quarterly calculations for US self-employed workers
PAID Recommended Lexware
Accounting software with invoicing, expense tracking and tax filing for German freelancers
PAID
Lili
US neobank with tax savings, invoicing, and automated bookkeeping
FREEMIUM
Lunafi
Automated bookkeeping, tax prep and financial reports for self-employed
PAID
Mellow
Contractor onboarding, contract management and multi-currency payments for global teams
PAID
MOCO
Project management and invoicing for agencies and freelancers with quoting and time tracking
PAID
Moxie
Invoicing with CRM and project tracking integrated in one workspace
FREEMIUM
N26 Business
Digital business account with Mastercard and 0.1% cashback for freelancers
FREEMIUM
Norman
AI-powered accounting automation handling invoicing, expense tracking and tax preparation for
FREEMIUM
PandaDoc
Proposals, contracts and eSignatures for freelancers and agencies with free plan
FREEMIUM
Payoneer
International payment account for freelancers in 200+ countries with global marketplace payouts
FREEMIUM
paywise
Debt collection service for freelancers to recover unpaid invoices with success-based fees
FREEMIUM
Pleo
Virtual and physical cards with receipt capture and spending limits for teams
FREEMIUM
Pliant
Corporate cards with spending limits, real-time controls and cashback rewards
FREEMIUM
Proposify
Proposal creation with templates and e-signature for freelancers
PAID
Qonto
Business bank account with expense tracking and automatic accounting exports for freelancers
PAID
QuickBooks
Accounting, invoicing, and tax management for small businesses and freelancers
PAID
Revolut Business
Digital business account for freelancers with multi-currency wallets and low-cost
FREEMIUM
Sage Business Cloud
Cloud accounting with payroll, invoicing, reports and bank feeds for small business owners
PAID Recommended Stripe
Payment processor for freelancers, 1.5% per card transaction, no monthly fees
FREE
SumUp
Card reader and payment processor for freelancers with no monthly fees
FREE
Tide
Business bank account for UK freelancers with free transfers and SEPA payments
FREEMIUM
Wave
Accounting, invoicing and expense tracking free for freelancers with optional payment processing
FREEMIUM Recommended Wise
International transfers at real exchange rates with local bank details in 40+ currencies for
FREEMIUM
Xero
Cloud accounting with invoicing, bank reconciliation and reports — dominant in UK, AU and NZ
FREEMIUM
YouSign
E-signature platform for EU-based freelancers with GDPR compliance and eIDAS certification
FREEMIUM
ZenBusiness
LLC and corporation formation for US-based freelancers and entrepreneurs
PAID
Zervant
Free invoicing and quotes for self-employed, limited to 5 clients on free plan
FREEMIUM
Zoho Books
Invoicing, expense tracking and financial reporting for freelancers under $50k revenue
FREEMIUM
Recommended Zoho
Integrated CRM, accounting, projects and invoicing for growing freelancers
PAID