Which invoicing and quoting software should a small business or freelancer use?

Zoho's invoicing app, which its own pricing page lists at ₹0 for Indian businesses, forever. It makes GST-compliant invoices, quotes and recurring invoices, sends them by email or WhatsApp, and collects payment by UPI, cards or net banking.

Zoho Invoice pricing: free for Indian businesses

From zoho.com by Zoho Pricing page

Zoho Invoice on eChai Explore

• Zoho Invoice costs nothing for an Indian business; there is no paid tier to outgrow inside it.
• Set up payment reminders and UPI collection so the invoice also chases the money.
• When you need subscriptions or more, Zoho points you to Zoho Billing.

Refrens' own pricing page. Refrens is an Indian invoicing, quotation and bookkeeping tool popular with freelancers, agencies and exporters of services, with GST and foreign-currency invoices. It lets you create your first 15 documents free, with all premium features on a free trial.

Refrens pricing

From refrens.com by Refrens Pricing page

Refrens on eChai Explore

• Your first 15 documents (invoices, quotes and the like) are free.
• It handles quotations, proforma and foreign-currency invoices, which suits freelancers billing clients abroad.
• Upgrade only once volume passes the free documents.

Vyapar's own plan page. Vyapar is GST billing and inventory built for shops, traders and small manufacturers who bill from a phone or a counter PC, with support in Hindi, Tamil, Telugu, Marathi, Gujarati and more. The Android app has a lifetime free plan for basic billing; on the price list today Android Silver is ₹699 and Gold ₹799 a year, Desktop Silver ₹3,799 a year and Desktop plus Mobile Silver ₹4,399 a year.

Vyapar plans and pricing

From vyaparapp.in by Vyapar Pricing page

Vyapar on eChai Explore

• Basic billing on the mobile app is free for life; paid plans add multi-device sync and reports.
• Separate Retail Pro, Manufacturing Pro and Distributor Pro plans exist for POS, production and distribution needs.

MyBillBook's own pricing page. It is GST billing and stock software for small shops and traders, phone first with a desktop app on higher plans. Plus is ₹291 a month billed yearly (₹3,490 a year) and Pro, which adds the desktop app, godowns and WhatsApp or SMS marketing, is ₹333 a month billed yearly (₹3,990 a year), with a 7-day money-back guarantee.

myBillBook pricing plans

From mybillbook.in by myBillBook (FloBiz) Pricing page

myBillBook on eChai Explore

• Plus is ₹3,490 a year for one business; Pro is ₹3,990 a year and adds the desktop app and godowns.
• CA access, barcode printing and a basic online store are included from Plus.
• Try it free first; the money-back window is 7 days.

Wave's own price page. Its Starter plan is free for unlimited estimates, invoices, bills and bookkeeping records, aimed at US and Canadian freelancers and very small service businesses; Pro is $19 a month and adds bank-feed import and cheaper card processing. Card payments on Starter cost 2.9% + $0.60 a transaction.

Wave pricing

From waveapps.com by Wave Pricing page

Wave on eChai Explore

• Starter is free with unlimited invoices and estimates.
• Pro ($19 a month, or $190 a year) auto-imports bank transactions.
• Online card payments cost 2.9% + $0.60 on Starter; Wave is for US and Canadian businesses.

FreshBooks' own price page. FreshBooks is invoicing-first accounting for US and Canadian freelancers and small service firms, with estimates, proposals, time tracking and online payments. Lite is $23 a month, Plus $43 and Premium $70, often 80% off for the first four months; extra team members are $11 a month each.

FreshBooks pricing

From freshbooks.com by FreshBooks Pricing page

FreshBooks on eChai Explore

• Lite ($23 a month) covers invoices, estimates and expenses for a solo freelancer.
• Plus ($43) adds receipt scanning and accountant access.
• Team members cost $11 a month each, so price it for the people who will log time.

Intuit's US price list for QuickBooks Online, the default accounting software of US accountants. QuickBooks Free costs $0 for one user and two invoices a month with no accountant access; Simple Start is listed at $38 a month, Essentials $85, Plus $140 and Advanced $340, often at half price for the first three months. Built for US tax; it does not file Indian GST returns.

QuickBooks Online pricing (US)

From quickbooks.intuit.com by Intuit Pricing page

QuickBooks Online on eChai Explore

• QuickBooks Free: 1 user, 2 invoices a month, 1 bank account, no accountant access.
• Simple Start ($38 a month listed) is the usual first paid plan for a US sole owner or LLC.
• Pick it in the US when your bookkeeper or CPA already works in QuickBooks.

NerdWallet's independent review of invoicing software for US small businesses, updated March 2026: Square Invoices with a POS, QuickBooks for accounting, FreshBooks for freelancers, Xero for larger small businesses, Wave and Zoho Invoice for free invoicing, Invoice Ninja for payment flexibility and Harvest for project invoicing.

The Best Invoicing Software for Small Business

From nerdwallet.com by NerdWallet 12 min read

• Zoho Invoice and Wave are the free picks; FreshBooks is the freelancer pick.
• Harvest suits billing by the hour against projects.
• Square Invoices fits a business that also takes payments in person.