The best free invoicing software lets you send unlimited invoices at no monthly cost and get paid online. Wave and Zoho Invoice are great for simple, free invoicing; Square fits in-person sellers; and Tillage is the option that lets you keep 100% — your clients cover the card and platform fees — with quoting and profitability built in.
Best for keeping 100% of every invoice
Free invoicing plus AI quoting, contracts, and profit tracking. Pass Stripe's card/ACH fees and the 1% platform fee to clients at checkout so you receive the full amount.
Cost to get paid: 1% platform fee on online payments — passable to clients
Best for simple accounting + invoicing
Solid free invoicing and bookkeeping for small businesses, but no surcharging to pass card fees to clients and no quoting or margin tools.
Cost to get paid: Standard payment processing fees apply
Best for in-person + online sellers
Strong for retail and POS-connected businesses; service fees can be added in some cases, but it isn't built around agency quote-to-cash.
Cost to get paid: Per-transaction processing fees
Best for a free standalone invoice maker
Genuinely free and full-featured for invoicing, but part of the wider Zoho suite and without surcharging or profitability tracking.
Cost to get paid: Payment gateway fees apply
Best for open-source / self-hosting
Flexible and developer-friendly with optional fee pass-through, but the setup and UX lean technical compared with a managed platform.
Cost to get paid: Gateway fees; can add a gateway fee to clients
Most free invoicing tools leave you to absorb processing fees. Tillage grosses up the invoice so the client covers them — and connects invoicing to the rest of your revenue workflow.
Pass Stripe's card/ACH fees and the 1% platform fee to clients at checkout, so you receive the full amount you billed.
Unlimited invoices, clients, and contracts with no tiers and no per-invoice charge.
An accepted quote seeds the contract and the invoice schedule — no re-keying between tools.
Variance buffers and margin targets keep projects profitable, not just billed.
Comparing specific tools? See Wave, Square Invoices, Invoice Ninja, and invoicely compared to Tillage.
The best free invoicing software depends on your needs. Wave and Zoho Invoice are strong for simple, genuinely free invoicing; Square suits sellers with in-person payments; Invoice Ninja fits self-hosting. Tillage is the best fit if you want free invoicing where you keep 100% — clients cover the card and platform fees — plus quoting and profitability tools.
The software itself is usually free, but accepting card or bank payments carries processing fees (typically around 2.9% + $0.30 per card transaction). Most tools pass those fees to you. Tillage lets you pass both the processing fee and its 1% platform fee to the client at checkout, so you receive the full invoice amount.
Sometimes. Surcharging and convenience-fee rules vary by tool and by state. Many free invoicing tools don't support it. Tillage grosses up the invoice so the client covers the card/ACH fee and the 1% platform fee, letting you keep 100% — within the applicable card-network and legal limits.
Most don't. Free invoicing tools focus on billing. Tillage connects quoting, contracts, and invoicing in one workflow — an accepted quote seeds the contract and the invoice schedule — so you don't re-key data between tools.
Send unlimited invoices, pass the fees to clients, and get paid faster. Free at $0/month — no credit card required.
