10 Best Online Invoice Generators

Managing invoices efficiently is crucial for freelancers, small businesses, and creators alike. Manually crafting each invoice can be error‑prone and time‑consuming, leading to delayed payments and fractured cash flow. Online invoice generators streamline the process with customizable templates, automated reminders, tax calculations, and integration with popular payment gateways. When evaluating these tools, consider factors such as ease of use, branding flexibility, automation capabilities, reporting features, and overall affordability.

Below, we’ve rounded up the 10 best online invoice generators for 2025—each paired with key highlights and quick tips to help you get the most out of your invoicing workflow. First on the list is the AI‑powered Otto AI Invoice Generator, designed with creators and self‑employed entrepreneurs in mind.

1. Otto AI Invoice Generator

Otto’s free invoice generator helps creators produce branded invoices, track payments, and send reminders from a unified dashboard.

Key Highlights

• Customizable templates with logos and brand colors

• Central dashboard displaying pending, paid, and overdue invoices

• Automatic tax calculation and PDF/link sharing

Quick Tips

• Add personalized notes in reminders to speed up payments

• Define clear payment terms (e.g., Net 30) for consistency

2. Invoice Ninja

Invoice Ninja is an open‑source, cloud‑based invoicing solution offering extensive integrations with Stripe, PayPal, and over 40 other gateways.

Key Highlights

• Unlimited invoices and clients on the free tier

• Built‑in time‑tracking and expense management

• Multi‑currency and multi‑language support

Quick Tips

• Enable auto‑billing for repeat clients to save time

• Customize email templates to reinforce your brand identity

3. FreshBooks

FreshBooks combines simple invoicing with full‑featured accounting, making it ideal for service‑based businesses.

Key Highlights

• Intuitive dashboard for tracking expenses and mileage

• Late‑payment reminders and automatic recurring invoices

• Integrated estimates, proposals, and time tracking

Quick Tips

• Sync your bank account to automate expense categorization

• Use project budgets to prevent scope‑creep and overbilling

4. Wave

Wave offers completely free invoicing and accounting tools, perfect for startups and solo entrepreneurs.

Key Highlights

• Unlimited invoicing and receipt scanning at no cost

• Built‑in accounting dashboard and financial reporting

• ACH and credit‑card payments with pay‑per‑transaction fees

Quick Tips

• Scan receipts on the go using the mobile app to stay up‑to‑date

• Leverage the Profit & Loss report for quarterly tax planning

5. Zoho Invoice

Part of the Zoho suite, Zoho Invoice delivers powerful customization and deep integration with CRM and project management modules.

Key Highlights

• Over 20 invoice templates fully editable in the editor

• Client portal for online payments, estimates, and approvals

• Automated payment reminders and recurring billing

Quick Tips

• Integrate with Zoho CRM to pull client data automatically

• Schedule recurring invoices for subscription‑based services

6. QuickBooks Online

QuickBooks Online is a leading accounting platform that includes robust invoicing, making it a one‑stop solution for small businesses.

Key Highlights

• Customizable invoice templates with logo placement

• Smart payment reminders and late‑fee automation

• Deep financial reporting and tax‑ready features

Quick Tips

• Turn on bank feeds to reconcile payments in real time

• Use the mobile app to send invoices immediately after job completion

7. PayPal Invoicing

PayPal’s invoicing tool requires no subscription, letting you leverage your existing PayPal account for quick billing.

Key Highlights

• Send invoices directly to email or via a shareable link

• Accept credit cards, PayPal, Venmo, and local payment methods

• Automatic invoice tracking and status updates

Quick Tips

• Offer “Pay with Venmo” to appeal to younger demographics

• Enable partial payments for large invoices to improve cash flow

8. Square Invoices

Square Invoices integrates seamlessly with the Square POS ecosystem, ideal for brick‑and‑mortar businesses branching into online billing.

Key Highlights

• Instant card‑on‑file payments for repeat clients

• Customizable invoice templates and automated reminders

• Offline mode to create invoices without internet access

Quick Tips

• Store customer cards on file for one‑click invoice settlement

• Sync with Square Dashboard to analyze payment trends

9. Invoicely

Invoicely offers a straightforward interface with multi‑currency support, suited for international freelancers and small teams.

Key Highlights

• Free tier includes unlimited invoices in one currency

• Time tracking, expense logging, and mileage tracking

• Bulk invoicing and team collaboration features

Quick Tips

• Upgrade to multi‑currency support if you bill clients abroad

• Use bulk invoicing to send dozens of invoices in one click

10. Hiveage

Hiveage evolves with your business, delivering scalable invoicing, billing, and subscription management.

Key Highlights

• Tiered pricing with advanced features like client portals

• Recurring billing, automated payment follow‑ups, and late fees

• Integration with Stripe, PayPal, and Authorize.Net

Quick Tips

• Utilize subscription plans for steady, predictable revenue

• Leverage client portals for seamless invoice approval and payment

The Best Bookkeeping Software for Creators-Led Small Businesses in 2025

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Let’s be real.

If you’re a creator running a small business, bookkeeping probably isn’t your favourite thing.

It’s messy. It’s time-consuming. And let’s not even talk about tax season.

But ignoring it? That’s risky.

You can’t build a solid business without keeping your finances in check.

So here’s the question: What’s the best bookkeeping software to help you get this done in 2025 without driving you up the wall?

Let’s talk about it.

Why Creators Need Bookkeeping Software

If you’re a podcaster, photographer, designer, or content creator, you know the struggle.

• Clients want invoices yesterday.

• Payments trickle in (or don’t).

• Expenses pile up without warning.

• Tax prep feels like a mountain you’re forced to climb.

Bookkeeping software solves these headaches.

The right tool saves you time, keeps you organised, and helps you avoid surprises when it comes to cash flow or taxes.

What To Look For in Bookkeeping Software

Before we get into the best options, let’s break down what matters:

1. Ease of Use

If you need a degree to use it, skip it.Simple dashboards, intuitive navigation, and a clear layout are a must.

2. Invoicing Features

Can it help you create invoices in minutes?Does it track who’s paid and who hasn’t?

3. Expense Tracking

Your software should help you stay on top of your spending.Ideally, it should sync with your bank accounts.

4. Tax Support

Whether you’re in the UK or elsewhere, tools that prep for VAT or other taxes can save you headaches.

5. Cost

You’re running a business, not burning money.Look for something reasonably priced.

The Top 5 Bookkeeping Software for Creators in 2025

1. JoinOtto

Why it’s great:JoinOtto was made for creators. It’s designed for podcasters, photographers, musicians, and others juggling gigs, invoices, and expenses.

Here’s what stands out:

• Smart Invoicing: Create, send, and track invoices all in one place.

• Expense Tracking: See where your money’s going without spreadsheets.

• Tax Prep: Helps you get VAT-ready if you’re in the UK.

• Simple Pricing: No hidden fees or unnecessary bells and whistles.

Real talk:JoinOtto feels like it “gets” creators. It’s not bloated with features you’ll never use. It just works.

2. Xero

Why it’s great:Xero is a solid choice for small businesses of all kinds.

Creators love it for its:

• Invoicing tools: Customise templates, send reminders, and get paid faster.

• Expense tracking: Automatic bank feed syncing makes life easier.

• Add-ons: Integrates with apps like Stripe or PayPal.

Heads up:It’s powerful but might take a minute to get used to.

3. QuickBooks Online

Why it’s great:QuickBooks has been around forever, and it’s still a go-to for many.

Here’s what’s good:

• Invoicing: Professional templates and payment tracking.

• Expense Management: Automatically categorises your spending.

• Tax Support: Keeps track of VAT and other requirements.

The catch:It’s robust but can feel overwhelming if you’re only after the basics.

4. FreshBooks

Why it’s great:FreshBooks is perfect if you’re more focused on invoices and time tracking.

What creators love:

• Time Tracking: Great for freelancers billing hourly.

• Custom Invoices: Send professional-looking invoices quickly.

• Expense Features: Snap photos of receipts and track spending.

The downside:Limited accounting features compared to others.

5. Wave Accounting

Why it’s great:Wave is free and designed for smaller operations.

Here’s why it works for creators:

• Free Invoicing: No fees, no fuss.

• Expense Tracking: Link your accounts and let Wave do the work.

• Reports: Basic financial reports for insights.

The trade-off:You’ll get fewer features than paid options, but for smaller setups, it does the job.

My Experience

When I first started using bookkeeping software, I wasted hours testing stuff that didn’t fit.Some were too complex.Others didn’t have the features I needed.And a few just felt clunky.

Eventually, I landed on JoinOtto.

It’s made for creators like us—people juggling projects, clients, and everything else.And that simplicity? It’s priceless.

FAQs

1. How much does bookkeeping software cost?

It depends. Some options like Wave are free, while others like Xero or QuickBooks can range from £10–£50 per month.

2. Do I need bookkeeping software if I’m just starting?

Absolutely. Starting with good habits sets you up for success later.

3. Can these tools handle taxes in the UK?

Yes, most of them support VAT and other tax requirements. Check features to confirm.

4. Which is best for invoicing?

JoinOtto and FreshBooks excel at invoicing, offering easy templates and tracking.

5. Is free software good enough?

For simple setups, Wave works well. But if you need more features, a paid tool might be better.