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Invoicing, reminders, rates and records. Everything for turning finished work into money in your account, starting with the free options.

Last updated October 8, 2026

Doing the work is half the job. The other half is making sure it turns into money, on time, without damaging the client relationship. For a business of one, that comes down to four things.

  1. A rate that covers your real costs, including time nobody pays for.
  2. Clear terms before work starts, so nobody is surprised about payment.
  3. Invoices that go out promptly, and a simple way for clients to pay.
  4. A calm, consistent way to follow up when payment is late.

None of that requires software to begin with. A spreadsheet, a calendar and a few email templates cover it for many people. When you outgrow them, the guides below will help you choose.

Start with these guides

Get PaidHow to Chase a Late Invoice Without Losing the ClientHow to remind a client to pay an invoice without sounding rude: a reminder timeline, gentle, firm and final email templates, and payment terms explained.13 min readGet PaidDo You Actually Need Invoicing Software?When a spreadsheet is enough, when free software fits and when paid invoicing software is worth it, with a way to estimate your time and a simple decision guide.9 min readGet PaidHow to Set a Freelance Rate That Accounts for Nonbillable TimeWhy dividing your salary by 2,080 undercharges you, how nonbillable time changes your rate, and a worked example you can adapt with our free rate calculator.7 min readGet PaidFreshBooks vs. Bonsai vs. Zoho Books vs. Xero for Solo ProfessionalsFreshBooks, Bonsai, Zoho Books and Xero compared for solo professionals: starting prices, client and invoice limits, reminders and fees, checked against official pages.12 min read

Free tools and templates

CalculatorFreelance rate calculatorTurn your income goal, expenses and real billable hours into an hourly rate and a monthly revenue target.Use the calculator CalculatorInvoice due-date calculatorFind the due date for any payment terms, see how many days remain or are overdue, and get a reminder schedule.Use the calculator TemplateInvoice tracker spreadsheetA free spreadsheet that works out due dates and overdue days for you. Opens in Excel, Google Sheets, Numbers and LibreOffice.Download the template ChecklistInvoicing workflow checklistA printable one-page checklist that takes an invoice from agreed terms to money in your account, including what to do when it is late.Open the checklist TemplatesLate-invoice email templatesCopy-ready reminder emails, from a friendly heads-up to a final notice before you pause work.Get the templates

When you are ready for software

Invoicing and accounting tools tend to fall into two families: invoicing-led tools that make it easy to bill and get paid, and fuller accounting tools that also handle bookkeeping and bank reconciliation. Which suits you depends on your volume, your tax situation and whether an accountant is involved.

The software we describe includes FreshBooks (opens in a new tab), Bonsai (opens in a new tab), Zoho Books (opens in a new tab) and Xero (opens in a new tab). We have not hands-on tested them, and we do not rank them. Read the side-by-side comparison, or see the full breakdown with limits and free alternatives.

Still not sure? Use the Org Chart of One to see how finance compares with the other jobs in your business.