​Financial Tools

​

Free financial tools that freelancers can use for budgeting, expense tracking, invoicing, tax management, and financial planning. Each tool listed here is either fully free or has a robust free version without a time-limited trial.

Wave


waveapps.com
 Free accounting software for invoicing, bookkeeping, and expense tracking, specifically for freelancers and small businesses.


QuickBooks Self-Employed (Free Tier)


quickbooks.intuit.com
Limited free version for tracking income, expenses, and mileage for freelancers.


Zoho Books (Free Plan)


 zoho.com/books
Free accounting software for managing invoicing, expenses, and financial reporting.


Mint


mint.intuit.com
A free personal finance tool for budgeting, expense tracking, and goal-setting.


GnuCash


gnucash.org
Free, open-source accounting software for personal and small business finance management.


Tiller Money (Free Templates)


tillerhq.com
Offers free Google Sheets templates for budgeting and financial tracking (full automation is paid).


Honeydue


honeydue.com
Free budgeting app designed for partners; useful for freelancers who work with shared finances.


Venmo


venmo.com
Free payment platform for easy money transfers and managing freelance client payments.


Square Invoices


squareup.com
A free invoicing tool that allows freelancers to create and send invoices to clients with built-in payment processing.


PayPal Invoicing


paypal.com
 Free invoice generator with payment tracking and client management features.


Clockify


clockify.me
 Free time-tracking tool that can be paired with budgeting and invoicing for freelance projects.


Expensify (Free Individual Plan)


expensify.com
Free expense-tracking app with receipt scanning, useful for freelancers managing expenses.


Hurdlr


 hurdlr.com
Free tool for tracking mileage, expenses, and deductions, especially useful for tax management.


 Penny


pennyapp.io
Free budgeting and personal finance app that categorizes expenses and helps with budget planning.


Zoho Expense (Free Version)


zoho.com/expense
  Expense-tracking software with receipt scanning and mileage tracking.


Debitoor


debitoor.com
Free invoicing and accounting software for freelancers and small businesses.


YNAB Templates (You Need a Budget)


ynab.com
Offers free budgeting templates and guides, though the full app is paid.


Bill.com (Free Basic Plan)


bill.com
Free payment management tool for invoicing, payment tracking, and expense reporting.


Truebill


truebill.com
Free tool to manage subscriptions, budget, and monitor expenses.


Simple Budget


budget.simple.com
A free, simple budgeting tool for freelancers to track expenses and income.


Personal Capital


 personalcapital.com
Free financial planning tool to track net worth, investments, and cash flow.


Invoice Ninja (Free Plan)


invoiceninja.com
Free invoicing and expense management software with customization options for freelancers.




 Fiverr Workspace (formerly AND.CO)


workspace.fiverr.com
A free invoicing and financial management tool for freelancers.



Invoicely


invoicely.com
A free invoicing tool for freelancers and small businesses, including expense tracking.


Harvest (Free Plan)


getharvest.com
Free time-tracking and invoicing tool for freelancers, especially useful for project billing.


 Kashoo


kashoo.com
Free basic accounting and invoicing software for freelancers and small businesses.


Wallet by BudgetBakers


budgetbakers.com
 Free financial planning app for budgeting, tracking expenses, and managing freelance income.


Nummo


nummo.com
A free financial management app for tracking spending, budgets, and income sources.