Finance

Qonto

EU-based business account designed for freelancers

Invoice Ninja

Track invoices, expenses, and payments in one place

Finom

EU business account with local IBAN — free tier, from €7/month

Found

Separate business finances and estimate taxes automatically

FreshBooks

Cloud accounting with invoicing, expenses and time tracking

Xero

Cloud accounting with unlimited users and 1,000+ integrations

Stripe

Accept payments with no monthly fee — 1.5% + €0.25 in Europe, 2.9% + 30¢ in the US

easybill

Online invoicing with built-in shop and payment integrations

Lexware

Manage invoices, taxes, and accounts in one German platform

Tide

UK business account — free tier, 5 transfers/month, FSCS via ClearBank

Wise

Real exchange rates for international freelancer payments

QuickBooks

Track invoices, expenses, and taxes in one place

BillingEngine

Track invoices and expenses without the accounting headache

Accountable

All-in-one accounting, invoicing and tax prep for self-employed

Zoho

Integrated CRM, accounting and projects in one suite

Lemon Squeezy

Merchant of record: 5% all-in, tax and payments included

Zervant

Free invoices and quotes for freelancers, up to 5 clients

Lili

Separate business finances and automate tax withholding

Invoicely

Create and send professional invoices with automatic reminders

Paddle

Payments and global tax in one fee — 5% per transaction

Polar

Payments and tax in one fee — from 3.80% per transaction

Wave

Free accounting and invoicing keeps your finances organized

Gumroad

Sell digital products — 10% per sale, tax handled for you

Zoho Books

Full accounting with a free-forever plan under $50K revenue

Holvi

Business account with invoicing and automatic bookkeeping

Norman

AI assistant that automates accounting, tax prep and filing

ottonova

Digital private health insurance with English-language expat plans

bunq

Green business banking with virtual cards and tax sub-accounts

GetMyInvoices

Fetch incoming invoices automatically from 10,000+ portals

Payhip

Digital storefront from $0 — card fees are charged on top

Stria

Checks extra requests against your scope and prices them

Clark

Bundle and optimize all your insurance policies in one app

Billdu

Create invoices, estimates and receipts on mobile and desktop

Full Scope

Track invoices and project costs in one dashboard

Heev

Time tracking, invoicing and expense management for freelancers

Lettuce

Automated quarterly tax estimates and filing for US freelancers

Lunafi

Automated bookkeeping with tax prep and financial overview

Moxie

Track invoices and expenses to manage cash flow easily

Pleo

Virtual and physical cards with automatic receipt tracking

Pliant

Corporate cards with cashback rewards and spending controls

Mellow

Pay global contractors instantly with automated compliance

Revolut Business

Multi-currency business account with free international payments

SumUp

Accept card payments anywhere, no monthly

Ageras

Find vetted accountants and tax advisors, compare quotes free

Hiscox

Protect your freelance business from client claims instantly

Sellfy

Your own store for downloads, subscriptions and print-on-demand

Sage Business Cloud

Cloud accounting with payroll, invoicing and bank reconciliation

Vivid Money

Business account with cashback, interest and a German IBAN

Payoneer

Send and receive payments globally without leaving your account

billtano

Write invoices without a subscription — prepaid days from €3.99

Kleverbill

Dunning and receivables management for high invoice volume

N26 Business

Free business account with instant signup and Mastercard

Quaderno

Watches tax thresholds and issues invoices for digital sales

ReceiptIQ AI

Reads every line item on a receipt, not just the total

Obra

Construction-first cost and income tracking – receipts via WhatsApp, email or photo

MRPeasy

Manufacturing ERP with production planning and stock — earns its keep from ~10 staff

Invoice Simple

Mobile-first invoicing app for US and UK freelancers, free plan to start

Unleashed Software

Inventory, orders and production for growing product businesses — from $399 a month

FetchDue

Chases late-paying clients — 10% of recoveries or $29/month

Mini Accountant

Invoicing and expenses, drivable from Claude or Cursor

Soseki

Clients, projects, proposals and invoices in one workspace

Billy

Native Mac invoicing app with e-invoice export and local-first data

1-800Accountant

US tax prep and bookkeeping with a dedicated accountant

Goodlance

Invoicing, time tracking, and project management in one platform

MOCO

Project management with quotes, invoicing and time tracking

paywise

Recover unpaid invoices—pay only when you collect