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Invoice and billing tools

209 tools evaluated · 10 top picks · Updated September 2026

Key Takeaways
  • SAP Concur is our overall pick for invoicing in 2026. Wave is our free pick.
  • We analyzed 209 invoicing tools to create this ranking.
  • 3 tools offer free plans, perfect for getting started.

Invoicing tools split between solo/freelancer tools (FreshBooks, Wave, Invoice Ninja) and integrated accounting platforms (QuickBooks, Xero, Zoho Books) that handle invoicing as part of broader accounting. Don't buy standalone invoicing if you'll need accounting in 6 months — switch is painful.

7 Top Invoicing Tools Compared

Starting price, average user rating, and our pick for each category.

ToolOur takeStarting priceRating
BILL logo
BILL
Best overall$49/mo4.4
SAP Concur logo
SAP Concur
Solid pickContact sales4.1
Quicken logo
Quicken
Most affordable$2.99/mo3.9
Wave logo
Wave
Best free tier$15.83/mo4.3
Patriot Software logo
Patriot Software
Highest rated$17/mo4.7
Xero logo
Xero
Solid pick$25/mo4.4
Clio logo
Clio
Solid pick$39/mo4.7

How the Top Invoicing Tools Compare

The invoicing category is highly competitive in 2026, with BILL and SAP Concur both ranking among the top choices on Toolradar's assessment, followed closely by Quicken. The tight competition reflects how mature this market has become.

Pricing varies significantly among the top picks: Wave (freemium (free tier available)) offers free access, while BILL and SAP Concur and Quicken require a paid subscription. Teams on a budget should start with Wave, which delivers strong value despite its free tier.

Computed from live tool ratings, review counts, and editorial scores.Editorial policy

Top Invoicing tools

01
BILL logo

One platform for accounts payable, accounts receivable, and company spend

Paid4.4/51,811 ratings · Sep 2026

BILL brings together AP/AR automation and company cards with AI-powered expense management in a single platform. It captures and codes invoices, routes approvals, pays vendors, and gives real-time visibility and controls over employee spend, all syncing two-way with your accounting software.

+AI auto-codes invoices and expenses and drafts memos, cutting manual data entry across both AP/AR and expense workflows.
+Company cards (physical and virtual) with real-time limits and visibility, paired with customizable AP/AR approval workflows and a full audit trail.
+Pays up to 2,000 bills at once via ACH, virtual card, check, or international wire, with access to millions of vendors on the BILL network.
Card issuance depends on credit approval, which can gate onboarding speed.
The breadth (AP + AR + cards + expense) means more setup and structure than a very small business with simple bill-pay needs may want.
02
SAP Concur logo

Streamline spend management for travel, expense, and invoice on a single platform.

Paid4.1/59,444 ratings · Sep 2026

SAP Concur offers a comprehensive spend management solution that integrates travel, expense, and invoice processes into a single, connected system. It allows businesses of all sizes, from small businesses to large enterprises, to track and manage all employee-initiated expenses, travel costs, and invoice payments efficiently. The platform aims to simplify T&E management, provide greater visibility into spend data, help control costs, and improve cash flow. Key features include Concur Expense for submitting expenses anywhere, anytime; Concur Travel for quick and easy business travel booking; and Concur Invoice for automating and integrating accounts payable processes. SAP Concur also provides templates for building clear expense and invoice policies to ensure compliance and speed up approvals. The solution is designed to help organizations gain better control over their spending and improve operational efficiency.

+Expense management
+Travel booking
+Enterprise ready
Expensive
UI dated
Good value

SAP Concur's custom pricing model, while common for enterprise solutions, makes it difficult to assess fairness without specific quotes.

Watch out

Premium support add-ons

03
Quicken logo

Manage your money and your life with comprehensive personal and business finance tools.

Paid3.9/528,283 ratings · Sep 2026

Quicken provides a robust suite of tools for managing personal and business finances, offering both cloud-based and desktop software options. It helps users budget smarter with predictive budgeting, track spending, manage investments and retirement portfolios, and project cash flows. The platform integrates with over 14,000 financial institutions, providing real-time updates and insights into financial health. For self-employed individuals and small business owners, Quicken extends its capabilities to manage business cash flow, simplify tax preparation with built-in Schedule C, E, and F reports, and facilitate invoicing and payments. Additionally, the LifeHub bundle allows users to securely organize essential life documents, such as birth certificates and estate planning documents, and share them with trusted individuals. Quicken aims to provide a centralized solution for financial organization, planning, and security, catering to a wide range of financial management needs.

+Offers both cloud-based and classic desktop software options.
+Provides specialized tools for self-employed and small business owners.
+Integrates personal finance with essential document organization.
Requires an annual subscription for all versions.
The classic desktop versions store data locally, which may not suit all users.
Good value

Quicken's pricing is quite affordable, especially for the 'Personal' and 'Bundle Personal + LifeHub' tiers at $2.99/month.

04
Wave logo

Free accounting, invoicing, and receipt scanning for small businesses

Freemium4.3/52,059 ratings · Sep 2026

Wave is accounting software for small businesses and freelancers. Invoicing, accounting, and receipt scanning at no cost. Banking connections categorize transactions automatically. Payroll available as paid add-on. Reports track business health. Real accounting software that's actually free.

+Core features free
+Easy to use
+Good for startups
Limited features
No inventory management
Great value

Wave's Starter tier is incredibly generous, offering unlimited invoicing and bookkeeping for free, which is rare in the market.

Watch out

Payroll add-on costs $20-$40/month plus $6/employee.

05
Patriot Software logo

Fast, simple, and affordable accounting and payroll software for small businesses.

Paid4.7/54,662 ratings · Sep 2026

Patriot Software provides integrated accounting and payroll solutions designed specifically for small businesses. It allows users to manage their finances and pay their employees efficiently from a single platform. The software aims to simplify complex tasks like invoicing, expense tracking, payroll processing, and tax filings, making it accessible even for those without extensive accounting knowledge. The platform offers core accounting features such as invoicing, expense tracking, and financial reporting, with an option to integrate credit card payments via Stripe. For payroll, it supports unlimited payroll runs, free direct deposit, and tax filings for full-service plans. Patriot Software also provides add-ons for time & attendance tracking and HR management, allowing businesses to scale their solutions as needed. Its cloud-based nature ensures accessibility from any device, and it boasts USA-based customer support. Patriot Software is ideal for small business owners looking for an easy-to-use, affordable, and comprehensive solution to manage their accounting and payroll needs. It helps businesses save time and money by streamlining financial operations and ensuring compliance with payroll tax regulations.

Patriot Software screenshot
+Superior usability and ease of use
+Unmatched USA-based customer support included for free
+Affordable pricing compared to competitors
Add-on services like Bookkeeping, Time & Attendance, and HR Software incur additional costs
Discounts for add-ons do not apply to the Bookkeeping Service
Good value

Patriot Software offers very competitive pricing, especially for its Accounting Basic tier at $20/month, which is quite generous for unlimited invoices and bank imports.

06
Xero logo

Cloud accounting with automated bank feeds and online invoicing

Paid4.4/55,158 ratings · Sep 2026

Xero is cloud accounting software for small businesses and their advisors. Bank connections import transactions automatically. Invoicing with online payment options. Multi-currency support for international business. 1,000+ app integrations extend functionality. Beautiful accounting software that makes numbers make sense.

+Clean interface
+Strong bank feeds
+Good for accountants
Limited US payroll
Fewer integrations than QuickBooks
Good value

Xero's pricing is fair for small businesses, with the 'Early' tier at $15/month offering essential features.

Watch out

Potential add-on costs for specific integrations

07
Clio logo

Run your law practice professionally and profitably

Paid4.7/52,743 ratings · Sep 2026

Clio is practice management software built specifically for law firms. Time tracking, billing, and trust accounting in one platform. Matter management organizes cases and client communications. Client portal enables secure document sharing. Integrations with court systems, Microsoft 365, and legal research tools. The software law firms use to run their practice professionally and profitably.

+Purpose-built for lawyers
+Excellent integrations
+Great support
Expensive for solo practitioners
Learning curve
Good value

Clio's pricing, starting at $39/user/month for EasyStart and scaling to $149/user/month for Complete, is on the higher end for legal practice management software.

08
TravelPerk logo

The intelligent platform for unified business travel, events, and spend management.

Freemium4.6/52,550 ratings · Sep 2026

Perk is an AI-powered platform designed to streamline business travel, event planning, expense management, and invoice processing. It aims to eliminate "shadow work", the time-consuming administrative tasks associated with business operations, by centralizing these functions into a single, intelligent system. The platform caters to global teams, offering extensive inventory for flights, stays, trains, and cars, along with tools for managing trip changes and policy adherence. Perk is ideal for companies looking to gain better control over their business travel and spending. It automates receipt matching, categorizes expenses, and flags policy breaches using AI, significantly reducing manual effort. Beyond travel, it facilitates event planning with custom landing pages and budget tracking, and intelligently manages invoices from matching to approval. By consolidating these critical business functions, Perk helps organizations save time, control costs, and improve operational efficiency, allowing teams to focus on their core work.

TravelPerk screenshot
+Centralized platform reduces administrative overhead for travel and spend.
+AI automation minimizes manual data entry and improves accuracy for expenses and invoices.
+Offers comprehensive global travel options and flexible trip modification.
Platform fees apply to Premium and Pro plans, charged per booking.
VAT-ready invoices are currently limited to specific European countries.
Good value

TravelPerk's pricing model, with a 'No platform fee' Starter tier and percentage-based booking fees for Premium and Pro, is generally fair.

Watch out

3% booking fee for Premium/Pro tiers

09
PayPal logo

The original online payment system, still everywhere

Pay_per_use3.3/566,452 ratings · Sep 2026

PayPal is a global digital payments platform that enables individuals and businesses to send, receive, and accept money online and in person. It supports credit and debit card processing, bank transfers, peer-to-peer payments, invoicing, and buy-now-pay-later options across 200+ markets. Businesses use PayPal Checkout to accept payments on websites and apps, while the point-of-sale system handles in-person transactions via card readers and tap-to-pay. With buyer and seller protection programs, fraud monitoring, and integrations with major e-commerce platforms, PayPal serves everyone from freelancers to enterprise merchants processing millions in transactions.

+Ubiquitous brand recognition and consumer trust worldwide
+No monthly fee for standard payment processing
+Comprehensive buyer and seller protection programs
Transaction fees of 2.29-4.99% plus fixed fee add up for high-volume sellers
Account holds and freezes can disrupt cash flow without warning
Good value

PayPal does not sell a SaaS seat.

Watch out

Fixed fee for USD is $0.49 on the official US table. QR via a third-party integrator is $0.09 instead.

10
Sage Intacct logo

Cloud financial management for growing businesses and mid-market companies.

Freemium4.3/54,086 ratings · Mar 2026

Sage Intacct is a cloud-based financial management and accounting software designed for small to mid-sized businesses and larger enterprises. It offers a comprehensive suite of tools to automate core financial processes, provide real-time visibility into financial performance, and improve operational efficiency. The platform is particularly strong in its multi-dimensional general ledger, which allows for detailed analysis and reporting without complex workarounds. Intacct caters to a variety of industries, including software and SaaS, professional services, non-profits, and healthcare, by providing industry-specific functionalities. Its modular design allows businesses to scale their financial operations as they grow, integrating with other business systems through its open API. Key benefits include enhanced financial reporting, streamlined workflows, and improved decision-making through actionable insights.

+Robust multi-dimensional general ledger provides powerful reporting.
+Strong capabilities for multi-entity and multi-currency management.
+Highly customizable to fit specific business needs.
Can be complex to implement and configure initially.
Pricing can be higher than some entry-level accounting solutions.

Why these invoicing tools didn't make our top 10.

We evaluated 209 invoicing tools and these 20 ranked 11 through 30. They're solid options that fell short on one or two axes (review depth, pricing transparency, feature parity), but worth a look if the leaders don't fit your stack or budget.

My Hours logo
My Hours
Free time tracking for projects and tasks, helping teams manage time, increase profitability, and streamline billing.
PayHOA logo
PayHOA
All-in-one software to manage your community, automate invoicing, and streamline HOA accounting.
Holded logo
Holded
Smart management software for SMEs to automate invoicing, accounting, inventory, and project management.
HoneyBook logo
HoneyBook
Streamline your clientflow from inquiry to invoice with an all-in-one platform.
Novo logo
Novo
Smarter online business banking solutions for small businesses and self-employed entrepreneurs.
Emburse Chrome River logo
Emburse Chrome River
Automate and optimize enterprise expense, invoice, and travel management with AI-powered insights.
Paymo logo
Paymo
Affordable time tracking, project management, and invoicing software for client projects.
ServiceTitan logo
ServiceTitan
The #1 software for commercial and residential trades businesses to manage operations and drive growth.
QuickBooks logo
QuickBooks
Small business accounting software
Melio logo
Melio
Easy bill payment and invoicing solution for businesses, streamlining AP/AR and cash flow.
AutoLeap logo
AutoLeap
All-in-one shop management software designed to help auto repair businesses grow and operate efficiently.
Emburse Spend logo
Emburse Spend
Real-time AI-powered spend management for expenses, travel, invoices, and payments.
Avaza Time logo
Avaza Time
Unified platform for project management, resource scheduling, time tracking, expenses, and invoicing.
Chargebee logo
Chargebee
Subscription billing and revenue management
Zoho Books logo
Zoho Books
Integrated accounting for small businesses in the Zoho ecosystem
Jobber logo
Jobber
Streamline operations, win more jobs, and boost profits for home and commercial service businesses.
Apptivo logo
Apptivo
Cloud business management suite
Spendesk logo
Spendesk
Centralized spend management for businesses, offering control, efficiency, and real-time insights.
Billsby logo
Billsby
Streamline subscription billing and revenue operations with powerful, customizable software.
Harvest logo
Harvest
Time tracking and invoicing for teams

Popular invoicing comparisons

See how the leading invoicing tools stack up head-to-head.

Invoicing pricing, compared

Real plans and the hidden costs for each tool.

Browse all invoicing tools

209 tools
TrueCommerce logo
TrueCommerce
Seamlessly connect and automate your entire supply chain with integrated EDI and B2B solutions.
paid· Web
JobNimbus logo
JobNimbus
All-in-one CRM and project management software for roofing and construction contractors.
paid· Web, iOS, Android
Moxie logo
Moxie
All-in-one business management software designed specifically for freelancers and independent professionals.
paid· Web, iOS, Android
Coconut logo
Coconut
Effortless accounting and tax management for self-employed individuals and landlords.
paid· Web, iOS, Android
CosmoLex logo
CosmoLex
End-to-end practice management, billing, and accounting for law firms.
paid· Web
PracticePanther logo
PracticePanther
Legal software for law firms to manage cases, billing, and client communication efficiently.
paid
GoCardless logo
GoCardless
Collect one-off and recurring payments directly from bank accounts, globally and without card fees.
paid· Web
Jane App logo
Jane App
All-in-one practice management software for health and wellness practitioners.
paid· Web
TimeSolv logo
TimeSolv
Maximize billable hours and simplify invoicing for professionals across various industries.
paid· Web
Teampay logo
Teampay
Automated spend control and purchasing platform for high-growth teams.
paid· Web
OneUp logo
OneUp
All-in-one business management software for accounting, inventory, invoicing, and CRM.
paid· Web, iOS, Android
Kickserv logo
Kickserv
Manage customers, schedule jobs, and get paid with simplified field service management.
paid· Web
Workiz logo
Workiz
The #1 field service management software for scheduling, dispatching, invoicing, and team coordination.
paid· Web, iOS, Android
LawPay logo
LawPay
Secure and compliant payment processing and financial management for law firms.
paid· Web
Invoiced logo
Invoiced
Effortless invoice-to-cash automation for faster payments and streamlined accounts receivable.
paid· Web
Famly logo
Famly
The all-in-one early childhood platform for nurseries to streamline operations and enhance collaboration.
paid· Web
Vcita logo
Vcita
All-in-one platform for service businesses
paid
Paystand logo
Paystand
Automate B2B Accounts Receivable and Accounts Payable with zero-fee, blockchain-powered payments.
paid· Web
Time To Pet logo
Time To Pet
Manage, grow, and streamline your pet sitting, dog walking, and pet care business operations.
paid· Web
TutorBird logo
TutorBird
The #1 tutor management software for private tutors, centers, and test prep.
paid
Skimmer logo
Skimmer
All-in-one software for pool service businesses to manage routing, scheduling, billing, and customer experience.
paid· Web, iOS
TMetric logo
TMetric
Effortless time tracking software to capture billable hours, evaluate project efficiency, and send accurate invoices.
freemium· Web, iOS, Android
Tesorio logo
Tesorio
AI agents that automate the full order-to-cash lifecycle
paid
Bill4Time logo
Bill4Time
The most trusted name in legal time and billing software for efficient firm management.
paid· Web

Showing the top 24 of 209. Filter to narrow down.

How to choose invoicing software

  1. Decide on standalone vs integrated

    If you're solo and not ready for accounting: FreshBooks, Wave, Invoice Ninja. If accounting is coming: start with QuickBooks/Xero from day one — their invoicing is sufficient. Switching invoicing tools mid-year is painful.

  2. Audit payment processor integration

    Invoicing that's not paired with payment collection adds friction. Stripe/PayPal integration is standard; ACH/wire support varies. For B2B with larger invoices, ACH support matters more than for B2C.

  3. Plan for recurring + subscription

    If you bill recurring (retainer, SaaS, memberships), verify the tool handles subscriptions cleanly. Chargebee/Stripe Billing exist for serious recurring billing; FreshBooks/QuickBooks handle simple recurring well.

Best Invoicing for

How we ranked these invoicing tools

We rank by real-world signal: verified user ratings aggregated from G2, Capterra, and our own community, the volume and recency of media coverage, and hands-on editorial review for the tools we cover in depth. Pricing is re-checked and the ranking refreshed monthly. We do not sell placement in this list.

Tools reviewed
209
With free tier
33%
Last updated
September 2026

Toolradar Research

The data behind invoicing

First-party analyses built from our full catalog, methodology published.

All Toolradar research

Frequently Asked Questions

What is the best invoicing tool in 2026?

Based on our analysis of 209 invoicing tools, SAP Concur is our overall pick. The next tools on the list are SAP Concur, Quicken, Wave. Rankings use G2/Capterra review strength, media mentions, and editor-featured picks — the same verdict as /best/free/invoicing and our comparison pages.

What are the top 3 invoicing tools?

The top 3 invoicing tools in 2026, ranked by Toolradar, are: 1) BILL, One platform for accounts payable, accounts receivable, and company spend. 2) SAP Concur, Streamline spend management for travel, expense, and invoice on a single platform.. 3) Quicken, Manage your money and your life with comprehensive personal and business finance tools.. Our named overall pick is SAP Concur.

Are there free invoicing tools?

Wave is our free-tier pick — freemium, not 100% free. 3 of the tools on this page offer a free or freemium plan.

How do I choose the right invoicing tool?

Start by defining your team size, budget, and must-have features. SAP Concur is our overall pick. Wave is our free pick. Compare all 209 options side-by-side on Toolradar.
Invoicing statisticscatalog size, ratings and pricing data, updated monthly

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