# Tillage > Free invoicing software for agencies, consultants, and freelancers that lets you keep 100% — clients cover the card and platform fees. Send unlimited invoices, accept Stripe payments, and get AI quoting, contracts, and profit tracking built in. For the complete documentation in a single file, see [/llms-full.txt](https://tillage.ai/llms-full.txt). Each link below points to a clean Markdown version of the corresponding page. - [Tillage Overview](https://tillage.ai/llms/overview.txt): Company overview, mission, target audience, and product description. - [Getting Started](https://tillage.ai/llms/getting-started.txt): How to sign up, create your first quote, and get paid. - [Pricing & Plans](https://tillage.ai/llms/pricing.txt): One free plan at $0/month with a 1% platform fee on processed payments — pass fees to clients to keep 100% of every invoice. ## Features - [AI-Powered Quoting](https://tillage.ai/llms/features/ai-quoting.txt): AI quote generation, client-context intelligence, smart service library, and smart variables. - [Profitability Tools](https://tillage.ai/llms/features/profitability.txt): Variance buffers, global profit margins, real-time calculations, and AI-suggested variance. - [Contracts & Signatures](https://tillage.ai/llms/features/contracts.txt): Contract wizard, block-based builder, digital signatures, payment schedules, and templates. - [Invoicing & Billing](https://tillage.ai/llms/features/invoicing.txt): Automated invoicing, recurring billing, smart variables, payment links, and reminders. - [Payments](https://tillage.ai/llms/features/payments.txt): Stripe integration, ACH transfers, convenience fees, auto-payment consent, and retry system. - [Client Management](https://tillage.ai/llms/features/clients.txt): Client branding profiles, multiple contacts, client merging, and billing dashboard. - [Analytics & Reporting](https://tillage.ai/llms/features/analytics.txt): MRR/ARR tracking, cash flow projections, invoice aging, and revenue by client. ## Guides - [Why Tillage Exists](https://tillage.ai/llms/guides/why-tillage-exists.txt): The origin story and problem Tillage solves. - [Quote-to-Cash Workflow](https://tillage.ai/llms/guides/quote-to-cash.txt): Complete guide to the quote → contract → invoice → payment workflow. - [Contract Wizard](https://tillage.ai/llms/guides/contract-wizard.txt): Block-based contract builder walkthrough. - [Setting Up Variance Buffers](https://tillage.ai/llms/guides/variance-buffers.txt): How to protect your margins with variance buffers on line items. - [Creating Recurring Retainers](https://tillage.ai/llms/guides/recurring-retainers.txt): Set up automated monthly billing for retainer clients. - [Contract Templates](https://tillage.ai/llms/guides/contract-templates.txt): Create reusable contract templates with dynamic blocks. - [Payment Schedules](https://tillage.ai/llms/guides/payment-schedules.txt): Configure deposits, milestones, and installment plans. - [Migrating from Harvest](https://tillage.ai/llms/guides/harvest-migration.txt): One-click import of clients, contacts, and recurring patterns. ## Integrations - [Stripe](https://tillage.ai/llms/integrations/stripe.txt): Payment processing setup, Express vs OAuth accounts, and fee configuration. - [Harvest](https://tillage.ai/llms/integrations/harvest.txt): Client import, recurring detection, and historical data sync. - [OpenAI & Claude](https://tillage.ai/llms/integrations/ai-providers.txt): AI quote generation configuration and API key setup. ## Comparisons - [Best Free Invoicing Software](https://tillage.ai/best-free-invoicing-software): Honest comparison of free invoicing tools (Tillage, Wave, Square, Zoho, Invoice Ninja) and which lets you keep 100% by passing fees to clients. - [Tillage vs FreshBooks](https://tillage.ai/llms/comparisons/freshbooks.txt): Feature comparison for agencies choosing between platforms. - [Square Invoices Alternative](https://tillage.ai/alternatives/square-invoices): Tillage vs Square Invoices for agency quote-to-cash and keeping 100%. - [Invoice Ninja Alternative](https://tillage.ai/alternatives/invoice-ninja): Managed, no-self-hosting free invoicing where you keep 100%. - [invoicely Alternative](https://tillage.ai/alternatives/invoicely): Free invoicing with fee pass-through, AI quoting, and contracts. ## FAQ - [General FAQ](https://tillage.ai/llms/faq/general.txt): Common questions about Tillage, pricing, and features. - [Billing FAQ](https://tillage.ai/llms/faq/billing.txt): Questions about platform fees, Stripe fees, and payment processing. ## Reference - [Glossary](https://tillage.ai/llms/reference/glossary.txt): Definitions of key terms like variance buffer, quote-to-cash, MRR/ARR. - [Formulas & Calculations](https://tillage.ai/llms/reference/formulas.txt): How pricing, variance, and profit margins are calculated. - [Smart Variables](https://tillage.ai/llms/reference/smart-variables.txt): Complete list of available placeholders and their usage. ## Tools - [Free Tools Hub](https://tillage.ai/tools): Free, no-signup calculators and invoicing tools for agencies, consultants, and freelancers. - [Free Invoice Generator](https://tillage.ai/tools/invoice-generator): Build and download a professional invoice in the browser, with fee gross-up and a profit-margin check. - [Stripe Fee Calculator](https://tillage.ai/tools/stripe-fee-calculator): Calculate what to invoice so you receive your target payment after Stripe's 2.9% + $0.30 card and 0.8% (capped $5) ACH fees. - [Late Fee Calculator](https://tillage.ai/tools/late-fee-calculator): Work out a flat or monthly-interest late fee on an overdue invoice. - [Freelance Rate Calculator](https://tillage.ai/tools/freelance-rate-calculator): Turn income goals, costs, and billable hours into a minimum hourly rate. - [Profit Margin Calculator](https://tillage.ai/tools/profit-margin-calculator): Compute margin, markup, and the price to hit a target margin. - [Retainer Calculator](https://tillage.ai/tools/retainer-calculator): Price a monthly retainer with effective hourly rate and annual value. ## Guides - [Guides Hub](https://tillage.ai/learn): Plain-language answers on invoicing, payment terms, and quote-to-cash. - [What is quote-to-cash?](https://tillage.ai/learn/what-is-quote-to-cash): The end-to-end process from creating a quote to collecting payment. - [What should an invoice include?](https://tillage.ai/learn/what-to-include-on-an-invoice): The full checklist of fields a professional invoice needs. - [Net 30 payment terms explained](https://tillage.ai/learn/net-30-payment-terms): What Net 30 means and how it compares to other terms. - [How to charge late fees](https://tillage.ai/learn/how-to-charge-late-fees): Set, disclose, and apply late fees on overdue invoices. - [Free invoice template](https://tillage.ai/learn/free-invoice-template): What a good invoice template includes and how to create one free. ## Resources - Homepage: https://tillage.ai - Sign Up: https://app.tillage.ai/signup - Pricing: https://tillage.ai/pricing - Blog: https://tillage.ai/blog - FAQ: https://tillage.ai/faq - Contact: https://tillage.ai/contact - Support: support@tillage.ai ## Legal - [Privacy Policy](https://tillage.ai/privacy) - [Terms of Service](https://tillage.ai/terms) - [Fair Use Policy](https://tillage.ai/fair-use-policy) - [Cookie Policy](https://tillage.ai/cookie-policy)