Best Accounting Software for Freelancers (2026)

Updated for 2026: This comparison is regularly reviewed to reflect pricing, features, and usability changes.

Freelancers need simple, reliable accounting software for invoicing, expenses, and tax tracking. This guide compares the best accounting tools for freelancers so you can choose the right one with confidence.

Quick answer: If you mainly invoice clients, start with FreshBooks. If you want a more complete all-round system, choose QuickBooks Online.

Quick Picks

Best Overall for Freelancers: FreshBooks
Best All-Round Option: QuickBooks Online
Best for Growing Freelancers: Xero
Best Budget Option: Zoho Books

View FreshBooks on Official Site → View QuickBooks on Official Site → View Xero on Official Site → View Zoho Books on Official Site →

How We Choose These Tools

Ease of use for non-accountants
Invoicing, expenses, and tax tracking
Value for money for solo workers
Long-term reliability and support

How to Choose (Fast)

Client services: prioritize invoicing and time tracking.
Multiple clients: prioritize automation and recurring invoices.
Planning to grow: prioritize reporting and integrations.
On a budget: prioritize core bookkeeping features.

1) FreshBooks — Best Overall for Freelancers

Best for: freelancers who invoice clients for services.

Extremely easy invoicing
Built-in time tracking
Clean, client-friendly interface
Downside: limited inventory features

Try FreshBooks →

2) QuickBooks Online — Best All-Round Option

Best for: freelancers who want a full accounting system.

Strong reporting and bank connections
Good for taxes and long-term growth
Widely supported by accountants
Downside: can feel heavy for very simple needs

Check QuickBooks pricing →

3) Xero — Best for Growing Freelancers

Best for: freelancers expanding into small teams.

Excellent bank reconciliation
Multi-user access
Strong integrations ecosystem
Downside: slightly steeper learni ng curve

Try Xero →

4) Zoho Books — Best Budget Option

Best for: freelancers on tighter budgets.

Very good value for money
Automation features included
Part of the Zoho ecosystem
Downside: setup takes time

Try Zoho Books →

Which One Should You Choose?

FreshBooks: best for invoicing clients
QuickBooks Online: best long-term option
Xero: best for scaling freelancers
Zoho Books: best budget choice

Related Guides

FAQ

Do freelancers need accounting software?

Yes. It helps with invoicing, expenses, and tax preparation.

Can I switch tools later?

Yes. Most freelancers change software as their needs grow.