12 Best Invoicing Tools for Small Business (2026)

Data compiled by Toolradar Updated November 1, 2026 How we rate

The 12 highest-ranked invoicing tools for small business, filtered for a free plan or free plus paid plans, and a strong editorial or user rating.

Key Takeaways

Sage Intacct is our overall pick for invoicing tools for small business in 2026, and our free pick. Overall and free pick: Free plan; paid pricing not published. Rated 4.3/5 on G2 (4,086 ratings, Mar 2026).
We evaluated 243 invoicing tools, then kept the 12 that rank highest for small business.
All 12 tools listed here have a free plan.

invoicing tools tracked: 243
of 12 have a free plan: 12
median cheapest paid plan per month: $13.48

Ranked by editorial score plus external signals (G2/Capterra review volume and rating, and media mentions). Pricing checked November 2026. Methodology Editorial policy

At a glance: 12 Invoicing Tools for Small Business

All 12 picks compared, prices as of November 2026. Scroll sideways on small screens.

12 Invoicing Tools for Small Business compared, prices as of November 2026
#	Tool	Pricing	Starting price	Rating	What it does
1	Sage Intacct	Free plan	Not published	4.3 (4,086) G2, Mar 2026	Cloud financial management for growing businesses and mid-market companies.
2	Perk	Free plan	Not published	4.6 (2,550) G2/Capterra, Sep 2026	Business travel, events and spend management platform (formerly TravelPerk)
3	My Hours	Free plan	Basic, $5/mo	4.7 (1,253) G2/Capterra, Sep 2026	Free time tracking for projects and tasks, helping teams manage time, increase profitability, and streamline billing.
4	Novo	Free plan	Not published	4.0 (4,812) G2/Trustpilot, Sep 2026	Smarter online business banking solutions for small businesses and self-employed entrepreneurs.
5	Paymo	Free plan	Starter, $9.90/mo	4.7 (1,280) G2/Capterra, Sep 2026	Affordable time tracking, project management, and invoicing software for client projects.
6	Zoho Invoice	100% free	No paid plan	4.7 (1,188) G2/Capterra, Sep 2026	Streamline invoicing, payments, and financial tracking for small businesses, completely free.
7	HoneyBook	Free plan	Not published	4.6 (938) G2/Capterra, Sep 2026	Streamline your clientflow from inquiry to invoice with an all-in-one platform.
8	Wave	Free plan	Pro, $19/mo	4.3 (2,059) SourceForge/G2/Capterra, Sep 2026	Free accounting, invoicing, and receipt scanning for small businesses
9	Melio	Free plan	Core, $25/mo	4.1 (2,254) G2/Trustpilot/Capterra, Sep 2026	Easy bill payment and invoicing solution for businesses, streamlining AP/AR and cash flow.
10	Avaza Time	Free plan	Startup, $11.95/mo	4.6 (859) G2/Capterra, Sep 2026	Unified platform for project management, resource scheduling, time tracking, expenses, and invoicing.
11	Zoho Books	Free plan	Standard, $15/mo	4.4 (1,009) G2/Capterra, Sep 2026	Integrated accounting for small businesses in the Zoho ecosystem
12	Apptivo	Free plan	Not published	4.4 (933) PeerSpot/G2/Capterra, Sep 2026	Cloud business management suite

Detailed picks: Invoicing Tools for Small Business

Sage Intacct

Free plan

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

4.3 /5 on G2 · 4,086 ratings, Mar 2026

Key features

General Ledger
Accounts Payable
Accounts Receivable

Pros

Robust multi-dimensional general ledger provides powerful reporting.
Strong capabilities for multi-entity and multi-currency management.

Cons

Can be complex to implement and configure initially.
Pricing can be higher than some entry-level accounting solutions.

View details

Perk

Free plan

Business travel, events and spend management platform (formerly TravelPerk)

4.6 /5 across G2 and Capterra · 2,550 ratings, Sep 2026

Key features

Seamless trip booking and management across flights, stays, trains, and cars
Extensive global inventory with proprietary rates
Instant trip changes, rebookings, and cancellations

Pros

Centralized platform reduces administrative overhead for travel and spend.
AI automation minimizes manual data entry and improves accuracy for expenses and invoices.

Cons

Platform fees apply to Premium and Pro plans, charged per booking.
VAT-ready invoices are currently limited to specific European countries.

View details

My Hours

Free plan

Free time tracking for projects and tasks, helping teams manage time, increase profitability, and streamline billing.

4.7 /5 across G2 and Capterra · 1,253 ratings, Sep 2026

Key features

Project and Task Management
Stopwatch Timer and Manual Time Entry
Timesheet Approval Workflows

Pros

Free for up to 5 users, making it accessible for small teams.
Comprehensive features for time tracking, project management, billing, and payroll.

Cons

Advanced features like granular permissions and mandatory SSO are only available in higher-tier plans.
Some users might find the initial setup of projects and tasks detailed.

View details

Novo

Free plan

Smarter online business banking solutions for small businesses and self-employed entrepreneurs.

4.0 /5 across G2 and Trustpilot · 4,812 ratings, Sep 2026

Key features

Business banking
Free checking
Invoicing

Pros

Business banking for small businesses
No hidden fees approach

Cons

Limited to US businesses
No physical branch locations

View details

Paymo

Free plan

Affordable time tracking, project management, and invoicing software for client projects.

4.7 /5 across G2 and Capterra · 1,280 ratings, Sep 2026

Key features

Project management
Time tracking
Resource scheduling

Pros

Project management with billing
Time tracking

Cons

Limited features
UI could improve

View details

Zoho Invoice

100% free

Streamline invoicing, payments, and financial tracking for small businesses, completely free.

4.7 /5 across G2 and Capterra · 1,188 ratings, Sep 2026

Key features

Customizable invoice templates with business logo support
Multiple invoice delivery options (email, links, WhatsApp, iMessage)
Accepts payments via credit/debit cards, bank transfers, and PayPal

Pros

Completely free with no hidden costs or ads
Comprehensive feature set for invoicing, payments, and financial tracking

Cons

Limited to 500 invoices per year for free users
Maximum of two users and three projects per account

View details

HoneyBook

Free plan

Streamline your clientflow from inquiry to invoice with an all-in-one platform.

4.6 /5 across G2 and Capterra · 938 ratings, Sep 2026

Key features

Proposals, Contracts & Invoices
Online Payments & Recurring Billing
Client Portal

Pros

Consolidates multiple tools into one platform
Professional and branded client experience

Cons

Can have a learning curve for new users
Pricing may be a significant investment for very small businesses

View details

Wave

Free plan

Free accounting, invoicing, and receipt scanning for small businesses

4.3 /5 across SourceForge, G2 and Capterra · 2,059 ratings, Sep 2026

Key features

Free accounting
Invoicing
Receipt scanning

Pros

Core features free
Easy to use

Cons

Limited features
No inventory management

View details

Melio

Free plan

Easy bill payment and invoicing solution for businesses, streamlining AP/AR and cash flow.

4.1 /5 across G2, Trustpilot and Capterra · 2,254 ratings, Sep 2026

Key features

Business payments
Bill pay
Vendor management

Pros

Free bill pay
Pay by card, send as check

Cons

Card payments have fees
Limited features

View details

Avaza Time

Free plan

Unified platform for project management, resource scheduling, time tracking, expenses, and invoicing.

4.6 /5 across G2 and Capterra · 859 ratings, Sep 2026

Key features

Project & Task Management (Kanban, Gantt, List views)
Visual Project Resource Scheduling (drag & drop, availability view)
Time Tracking & Expense Management

Pros

Unified platform reduces need for multiple apps.
User-friendly interface and easy setup.

Cons

Additional users for certain roles incur extra monthly costs.
Storage limits on lower-tier plans.

View details

Zoho Books

Free plan

Integrated accounting for small businesses in the Zoho ecosystem

4.4 /5 across G2 and Capterra · 1,009 ratings, Sep 2026

Key features

Accounting
Invoicing
Inventory

Pros

Affordable accounting
Good for small business

Cons

Limited in some countries
Less powerful than QuickBooks

View details

Apptivo

Free plan

Cloud business management suite

4.4 /5 across PeerSpot, G2 and Capterra · 933 ratings, Sep 2026

Key features

Sales CRM with pipeline management, lead scoring, and territory mapping
Invoicing and billing with recurring payments and online payment acceptance
Project management with Gantt charts, tasks, and time tracking

Pros

Extremely customizable without requiring any coding knowledge
Modular design lets you start small and add apps as the business grows

Cons

Interface feels dated compared to modern CRM competitors
Learning curve increases significantly as more apps are activated

View details

How we ranked these Invoicing Tools for Small Business

Step 1

Filter the catalog

We start from our ranked list of 243 invoicing tools and drop tools rated below 3.5/5 on 10 or more reviews, then keep only those matching small business criteria: a free plan or free plus paid plans, and a strong editorial or user rating.

Step 2

Score each tool

Editorial scoring on utility, UX, value, support, and innovation, then layered with external signals: G2/Capterra review volume and rating, and media mentions.

Step 3

Keep the top 12

We rank by combined score and surface the top 12 so the list stays scannable. Pricing is re-checked on rotation and the page refreshes hourly so picks stay current.

Frequently asked questions

Which invoicing tools are best for small business in 2026?

Sage Intacct ranks first in our invoicing tools list for small business, rated 4.3/5 across 4,086 ratings aggregated from G2. Strong runners-up are Perk, My Hours, Novo.

Are there free invoicing tools for small business?

Yes. Sage Intacct, Perk, My Hours offer a free plan. 12 of the 12 tools on this page have a free plan in our data.

How did we pick these invoicing tools?

We started from our ranked list of invoicing tools (243 tracked), dropped tools rated below 3.5/5 on 10 or more reviews, and kept only those that match small business: a free plan or free plus paid plans, and a strong editorial or user rating. The top 12 are shown in the same order as our main invoicing tools ranking (editorial score plus G2/Capterra review volume and rating, and media mentions).

What features should small business look for in invoicing tools?

These features appear in at least 3 of the 12 tools on this page: invoicing.

How often is this list updated?

We refresh editorial scores and pricing weekly. Tool pricing is re-checked on a rotation that touches every tool roughly monthly. The prices on this page are as of November 2026.

Cite this page: Toolradar, "12 Best Invoicing Tools for Small Business (2026)", updated November 2026, https://toolradar.com/best/invoicing/for/small-business

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