Invoicing Apps for iPhone
Zoho Invoice is the one app here with no paid tier at all: free, no invoice cap, and a 4.9 rating from 14,376 iPhone users. If you would rather pay for the most proven dedicated invoice maker, Invoice Simple holds 4.9 from 122,727 ratings at $6.99 a month, and Intuit QuickBooks for Business carries 264,692 ratings as a full bookkeeping app from $38.
Most of the price spread comes down to whether you also want bookkeeping. QuickBooks, FreshBooks and Wave keep your books as well as your invoices, seven of the twelve are focused invoice apps, and Joist runs contractor jobs. The other fork is where the money goes: most of these charge a subscription, while Square Invoices charges nothing for the software and earns 3.3% + 30¢ on each card payment instead.
Our picks
- Never paying a subscription: Zoho Invoice. $0 with no paid tier and no invoice cap, and estimates, time tracking and recurring invoices are all included.
- A handful of clients and no bookkeeping: Invoice Simple. $6.99 a month to build and send an invoice in front of the customer, though that plan stops at three invoices.
- Already taking cards in person: Square Invoices. The software is free and the cost is the 3.3% + 30¢ card fee, with Tap to Pay on the iPhone and next-day deposits.
- Contractors quoting on site: Joist. An estimate becomes the invoice without retyping, for $10 a month, though the entry plan covers five documents a month.
- Billing by the hour: FreshBooks. Time tracking, retainers and late-payment reminders sit on top of double-entry bookkeeping, from $23 a month for up to five billable clients.
At a glance
| Option | Price | Free Plan | App Store Rating | App Store Ratings | Card Payment Fee | Type |
|---|---|---|---|---|---|---|
| $38source | Free plansource | 4.7source | 264,692source | Full accounting suitesource | ||
| $6.99source | Free trialsource | 4.9source | 122,727source | Invoicing appsource | ||
| $17.99source | Free trialsource | 4.8source | 103,638source | Set by PayPal or Stripesource | Invoicing appsource | |
| $49source | Free plansource | 4.8source | 92,840source | 3.3% + 30¢source | Payments platformsource | |
| $7.99source | Free trialsource | 4.8source | 55,725source | 3.5%source | Invoicing appsource | |
| $7.99source | Free trialsource | 4.8source | 26,016source | Set by Stripesource | Invoicing appsource | |
| $9.99source | Free plansource | 4.9source | 16,498source | Invoicing appsource | ||
| Freesource | Free plansource | 4.9source | 14,376source | Invoicing appsource | ||
| $10source | Free trialsource | 4.7source | 13,987source | 3.49% + $.49source | Contractor job managementsource | |
| $23source | Free trialsource | 4.7source | 10,977source | 2.9% + $0.30source | Full accounting suitesource | |
| $19source | Free plansource | 4.4source | 6,638source | 2.9% + $0.60source | Full accounting suitesource | |
| Free trialsource | 4.7source | 1,449source | Invoicing appsource |
Free forever or free for a week
Every app on the list lets you start without paying, but only five keep a free tier with no end date, and two of those cap your invoices. QuickBooks allows two invoices a month free; Bookipi allows three, with no card required. Wave's free Starter plan has no invoice cap and includes bookkeeping, but it serves only the US and Canada. Zoho Invoice has no cap either, and Square's free software is paid for through its card rate.
The other seven offer trials, and they differ in length and strings. Invoice2go gives 30 days, Billdu only seven, and Invoice Fly asks for a card before the trial starts.
What it costs to take a card payment
Card fees run from 2.9% + $0.30 at FreshBooks to 3.5% on Invoice2go's entry plan, where the rate falls as you move up tiers. Joist charges 3.49% + $.49 and takes card payments only in the US and Canada. Wave's 2.9% + $0.60 drops its extra per-transaction charge once you pay for Pro, and Square's $49 Plus plan brings its online rate down to 2.9% + 30¢.
Invoice Fly and Billdu set no rate of their own and pass you straight to Stripe or PayPal, so the processor's fee is the whole cost. For a free app like Square or Zoho Invoice, the card fee is effectively the price of the product.
The invoice caps behind the cheap plans
The cheapest paid plans come with the tightest limits. Invoice2go's $7.99 plan covers two invoices a month, Invoice Simple's $6.99 covers three, and Joist's $10 plan covers five documents. FreshBooks and Billdu cap by client instead: five billable clients on FreshBooks Lite, and Billdu's $7.99 Lite plan is sized for a short list of repeat customers. Count how many invoices you actually send in a busy month before judging these on price.
The options in detail
Intuit QuickBooks for Business
QuickBooks is the heavyweight on this list: a full bookkeeping system that happens to invoice, so the iPhone app carries expenses, receipts, reports and cash flow alongside billing. Intuit now offers a genuinely free tier capped at two invoices a month, which makes it easy to try before committing to a paid plan. It has by far the most iPhone ratings of any app here. The trade-off is price and weight: paid plans start well above the focused invoice apps, and it is more software than a solo contractor sending a few invoices a month actually needs.
Invoice Simple
Invoice Simple is the most-rated dedicated invoice maker on the iPhone, and it earns that with speed: you can build and send an invoice standing in front of the customer without ever opening a web dashboard. Plans are sold by how many invoices you send per month rather than by feature tier, so the cheapest plan is genuinely cheap but caps you at three invoices. There is no permanent free tier, only a trial. Best for tradespeople and side businesses that bill a handful of clients and want nothing to do with bookkeeping.
Invoice Fly
Invoice Fly has quietly become one of the most-rated invoice apps on the iPhone, aimed squarely at freelancers and contractors who want to bill from the job site. It leans on notifications: you are told when a client opens the invoice, which is the feature reviewers mention most. Pricing is the awkward part, sold mainly as a weekly or yearly subscription on the website rather than a straightforward monthly plan, and the free trial asks for a card up front. Invoice Fly charges no processing fee of its own, so taking a card costs whatever Stripe or PayPal charges.
Square Invoices
Square Invoices is the invoicing front end of a payments company, and that shapes the deal: the software is free and Square makes its money on the card fee instead of a subscription. In exchange you get real payments infrastructure, next-day deposits, Tap to Pay on the iPhone, and one account that also handles in-person sales. Paying for Square Plus drops the online card rate and adds payment schedules and custom invoice templates. It suits businesses that already take cards in person and want their invoices in the same place.
Invoice2go
Invoice2go, now owned by BILL, is one of the longest-running invoice apps on the iPhone and still one of the most polished. Its pricing is unusual: plans are capped by how many invoices you send, and the card processing fee falls as you move up the tiers, so the entry plan is cheap but covers only two invoices a month at the highest card rate. It also bundles a business bank account and expense tracking, which pushes it slightly past pure invoicing. Worth a look if you bill a steady low volume and want a 30-day trial to test it properly.
Billdu
Billdu is a mid-market invoicing app that tries to cover a small business's whole paperwork surface: invoices, estimates, receipt scanning, and on higher tiers an online store and booking page. Plans are tiered by how many clients you have rather than how many invoices you send, so the cheap Lite plan works well if you bill the same ten customers over and over. Card payments run through Stripe, so Billdu publishes no processing rate of its own. The free window is short at seven days.
Bookipi
Bookipi is a free-first invoice maker with one of the highest iPhone ratings on this list, and its free tier is real rather than a trial: three invoices a month, forever, with no card required. Paying lifts the invoice cap and unlocks recurring invoices, automatic overdue reminders and deposits. The company has expanded well beyond invoicing into contracts, scheduling and even a website builder, which makes its pricing page harder to read than it should be. A sensible first stop if you want to test an invoice app without handing over a card.
Zoho Invoice
Zoho Invoice is the outlier here: it was a paid product until Zoho made it free in 2021, and it is still free with no paid tier and no invoice cap. That buys a surprisingly complete invoicing app, with estimates, time tracking, expenses, recurring invoices and multi-currency support, plus one of the highest App Store ratings on this list. The catch is the ecosystem: it is a doorway into Zoho's wider suite, and if you later need real bookkeeping you are expected to move up to the paid Zoho Books. Card payments run through third-party gateways, so that fee is theirs.
Joist
Joist is built for one trade in particular: contractors and builders who estimate on site and want that estimate to become an invoice without retyping it. Alongside billing it carries job scheduling, work orders, client records and homeowner financing, which is why it reads as job management rather than a pure invoice app. The entry plan is cheap but caps you at five documents a month, so most working contractors end up on the middle tier. Its card rate is among the highest here, and payments are available only in the US and Canada.
FreshBooks
FreshBooks sits between a pure invoice app and full accounting: the billing side is the best-loved part, with proposals, retainers, automated late-payment reminders and genuinely good time tracking for anyone who bills hourly. Behind it is real double-entry bookkeeping and tax-time reporting. The entry Lite plan is capped at five billable clients, which catches people out, and its list prices are the highest of the subscription-only apps here, though the site almost always shows a heavy introductory discount. Best for freelancers and small agencies who bill for time.
Wave
Wave is the free accounting option: its Starter plan gives you unlimited invoices, estimates and real double-entry bookkeeping without paying anything, which is why it has been a default recommendation for freelancers for years. The Pro plan adds bank feeds, receipt capture and automatic payment reminders, and removes the extra per-transaction charge on card payments. Two caveats worth knowing: Wave serves only the US and Canada, and its iPhone app is the weakest-rated here, described by reviewers as a companion to the web app rather than a full replacement.
Moon Invoice
Moon Invoice is the smallest app here by iPhone ratings, but it is a real product with an unusually deep feature set for the price: dozens of invoice templates, recurring invoices, time tracking, expense logging and multi-currency support, with a separate point-of-sale product alongside. It suits people who want more structure than a basic invoice maker without moving to full accounting software. Its pricing page advertises only the annual-billed rate, so the true monthly cost is hard to pin down, and it publishes no card processing rate of its own.
How we researched this
Rather than starting from published best-of lists, the twelve apps came from Apple's own App Store search, ranked by how many US users had rated each one, with the recognizable products taken from the top. That ranking also turned up many near-identical template invoice makers, some with tens of thousands of ratings, such as Easy Invoice Maker App at 27,377; they were left out because several of them would add rows without adding a choice. Zoho's cut-down Invoice Generator app was dropped in favor of Zoho Invoice itself, and Xero never appeared in the invoice searches.
Prices are the cheapest paid plan on monthly billing, which is what you pay in the first month and runs higher than the annual rates most of these sites show first (Billdu advertises $4.99, Bookipi $7.60). FreshBooks is recorded at its regular $23 rather than a three-month promotion, Square's $49 is its Plus plan for the whole platform, and Invoice Fly's $17.99 is the monthly subscription listed on its App Store page, since its own site sells only weekly and yearly plans. Moon Invoice states only an annual-billed rate, so its price is empty. QuickBooks' card rate could not be found on a page Intuit would serve, and Invoice Simple, Bookipi, Moon Invoice and Zoho Invoice route cards through outside gateways without naming a rate, so those card fee cells are empty too. Ratings and counts are as of September 9, 2026 and shift daily, and promotional pricing on these apps changes often, so compare the plan you are offered at signup with the figures here.