Wave
What's free: Free Starter plan with unlimited invoices and estimates.
How it makes money: Card payments on invoices: 2.9% + $0.60 per transaction (Amex 3.4% + $0.60). Paid Pro plan $19/month.
Compare
Free invoice apps vs paying $1.
Several big names let you make invoices for free. That's a real option, and for plenty of people it's the right one. Here's how each one makes its money, and when paying $1 to skip the typing is worth it.
Prices checked Sep 26, 2026 from each company's own pages. Prices change; check theirs before you decide.
Zoho Invoice
What's free: Free, for up to 500 invoices a year and two users.
How it makes money: Free documents carry "Powered by Zoho Invoice" branding.
Square Invoices
What's free: Free plan with unlimited invoices.
How it makes money: When a customer pays: 3.3% + 30¢ by card, or 1% ($1 minimum) by bank transfer, on the free plan.
PayPal Invoicing
What's free: Create and send invoices from a PayPal business account.
How it makes money: When a customer pays an invoice: 3.49% + $0.49. PayPal also offers an optional invoicing subscription.
Invoice & Quote
What's free: the preview, edits, corrections for 14 days, re-downloads, and 10 documents when you sign up.
How it makes money: $1 per document (or packs from $0.20). No cut of your customer's payment, because they pay you directly.
Choose free invoice apps if
- You're happy typing each invoice into a form. Then free really is free.
- You want customers to pay by card from the invoice, and don't mind the processing fee.
- You want full bookkeeping too (Wave and Zoho do much more than invoices).
Choose Invoice & Quote if
- Your jobs start as handwritten notes or in your head. Snap or say them instead of typing.
- You'd rather pay $1 than spend the evening retyping notes.
- You don't want a card-processing cut on every payment: your customer pays you directly.
Company and product names belong to their owners. Invoice & Quote isn't affiliated with any of them.
Got notes? Get paid.
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