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Solo-fit verdictSolo-ReadyThe polished billing machine for client-based solos: start on the 30-day trial, but budget for Plus at $43 — that is the tier where FreshBooks is honestly your ledger, and watch the client cap as your roster grows.
True solo cost · low$23/mo$23/month on Lite billed monthly (about $20.70/month billed annually at $248.40/year) for 1 user with up to 5 billable clients — billing and expense tracking covered, but no reconciliation or accountant access. Scenario maths from the published prices.
True solo cost · typical$43/mo$43/month on Plus billed monthly (about $38.70/month billed annually at $464.40/year) for 1 user with up to 50 billable clients — the tier where reconciliation, double-entry reports, receipt capture and accountant access make it a complete solo ledger. Scenario maths from the published prices.
Rank #18 of 18 in BooksFree start 30-day free trialSetup Same day — 30-day free trial, start invoicing in minutesControl Approves before actingNo-code 5/5Checked · prices checked 2026-11-05
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The short version
FreshBooks is an invoicing-first ledger priced by billable clients: $23 for 5 clients buys billing and tracking, while $43 for 50 clients adds the reconciliation, double-entry reports and accountant access that make it complete books.
Buy it if
Your work is client-billed — especially by the hour — and you want invoicing, time tracking, expenses and books in one polished tool, with your accountant able to log in.
Skip it if
You bill many small one-off clients (the cap counts archived clients too), you need a free tier, or you want bank feeds and books without a per-client meter.
What FreshBooks does — the jobs it finishes
Workflows are built only from verified capabilities in our listing research — no vendor copy, nothing invented.
Billable hours to invoice without re-typing
Starts You finish work tracked in FreshBooks
- Time tracking and expenses accumulate against the client and project
- Generate the invoice from the tracked work and send it with card, ACH or buy-now-pay-later options
You get An accurate invoice built from the work itself
Unbilled hours and lost expenses stop leaking revenue
Late payers chased by the system
Starts An invoice passes its due date
- Automated late payment reminders go out on your schedule
- Scheduled late fees apply where you have set them
You get Follow-up that happens without an awkward email from you
Cash flow improves while the client relationship stays friendly
The monthly reconcile (Plus)
Starts Bank transactions import automatically
- Match imported transactions against invoices and expenses
- Run bank reconciliation and the double-entry reports to close the month
You get Books your accountant can trust, closed monthly
Approval You confirm matches; reconciliation is a review, not a black box
Year-end stops being a reconstruction project
Your accountant inside, not emailing spreadsheets
Starts Tax time or a question you cannot answer (Plus and up)
- Invite your accountant with free accountant access
- They work from the same live books and tax-time reports
You get An accountant working in your system instead of from exports
The books conversation happens where the numbers live
Where it stops
- Lite is not a full ledger: no bank reconciliation, no double-entry reports, no receipt capture, no accountant access
- No free-forever plan — entry is the 30-day trial, then $23/month
- Does not file tax returns — it produces tax-time reports for you or your accountant
- No human bookkeeper included; accountant access means your own accountant can log in
Getting started
Before you start
- A rough count of your billable clients — it picks your tier
- Your bank details for automated bank import
The ongoing admin
- Watch the billable-client count against your tier cap, including archived clients
- Reconcile monthly on Plus so the double-entry reports stay trustworthy
- Review add-ons (team seats, Advanced Payments, payroll) before renewing
Step 1Start the 30-day free trial
No plan commitment up front; a 30-day money-back guarantee also covers purchases.
Step 2Count clients before choosing
Lite's 5-client cap includes archived clients — if your roster is anywhere near it, start on Plus.
Step 3Connect the bank and set invoice defaults
Automated bank import runs on every plan; set late fees and reminders once.
Step 4Invite your accountant on Plus or up
Accountant access is free for them and is the point where FreshBooks becomes your full ledger.
Time to first useful result: Same day — 30-day free trial, start invoicing in minutes · no-code 5/5
Full pricing — checked 2026-11-05
Priced per account by billable-client count: Lite $23/month (5 clients), Plus $43/month (50 clients), Premium $70/month (unlimited clients), Select custom. Annual billing is 10% off (Lite $248.40/year, Plus $464.40/year, Premium $756/year). Every plan is single-user at base: extra team members cost $11/month each, Advanced Payments is $20/month (included on Select), and payroll is $40/month plus $6/month per user. Introductory promotions (80% off for the first months at check) are not the renewal price.
Lite
$23/month billed monthly; $248.40/year billed annually (10% off)
Flat / month · $23/mo for one person
- 5 billable clients
- Unlimited invoices and estimates
- Unlimited expenses and time tracking
- Automated bank import
- Recurring invoices, scheduled late fees and automated late payment reminders
- Tax-time and business health reports
Allowance 5 billable clients (archived clients count toward the cap)
Limit No bank reconciliation or double-entry accounting reports
Limit No accountant access
Limit No automatic receipt data capture
Solo pickPlus
$43/month billed monthly; $464.40/year billed annually (10% off)
Flat / month · $43/mo for one person
- 50 billable clients
- Everything in Lite
- Double-entry accounting reports
- Bank reconciliation
- Automatic expense receipt data capture and email-in receipts
- Unlimited proposals and client retainers
- Accountant access
Allowance 50 billable clients (archived clients count toward the cap)
Limit Extra team members are $11/month each
Limit Accounts payable and project profitability are Premium features
Premium
$70/month billed monthly; $756/year billed annually (10% off)
Flat / month · $70/mo for one person
- Unlimited billable clients
- Everything in Plus
- Accounts payable (bills and vendors)
- Project profitability tracking
- Customised email templates
Allowance Unlimited billable clients
Limit Extra team members are $11/month each
Select
Custom — talk to sales
Custom / quoted · $null/mo for one person
- Unlimited billable clients
- 2 team member accounts included
- Lower credit card transaction fees
- Dedicated account manager and Select support
- Advanced Payments included
- Customised onboarding and data migration help
Limit Sales-quoted pricing
Add-onTeam members — $11/month per additional team member. Every plan is single-user at base price; Select includes 2 team member accounts
Add-onAdvanced Payments — $20/month. Included on Select
Add-onPayroll — $40/month plus $6/month per user. Optional add-on on every plan
What could make the bill jump?
Client count, not usage: the 6th billable client forces Lite to Plus ($23 to $43) and the 51st forces Plus to Premium ($43 to $70), and archived clients count toward the cap — a solo with many small one-off clients pays for headcount, not features.
Billing unitper account per month, tiered by billable clients
Free tier / trialNo free-forever plan. A 30-day free trial (no card required per the vendor's plan materials) and a 30-day money-back guarantee on purchases.
Pricing clarityClear per-plan price, client-capped
Price record · 2026-11-05: First listing check, 2026-11-05, on freshbooks.com/pricing — read in full this run, comparison table included: Lite $23.00, Plus $43.00, Premium $70.00 per month billed monthly, Select custom; billable clients 5 / 50 / unlimited / unlimited. Annual billing is 10% off ($248.40 / $464.40 / $756 per year per the vendor's published annual figures). DISCLOSED PROMOTION: the page was running 80% off for the first 4 months ($4.60 / $8.60 / $14.00) — a limited-time introductory offer that was NOT used as the price in this listing. Add-ons read on the same page: Advanced Payments $20/month, team members $11/month each, payroll $40/month plus $6/month per user.
At a glance — the standard checklist
The same fields on every deep listing in this job, so agents compare field by field. “Not verified” means our research has not confirmed it yet — it never means “doesn't have it.”
- Platforms✓ IncludedWeb plus iOS and Android apps (mobile mileage tracking is a named plan feature)
- Key integrations✓ IncludedAutomated bank import; invoice payment options include cards, ACH and Affirm/Afterpay/Klarna buy-now-pay-later; payroll and Advanced Payments are first-party add-ons
- Languages? Not verified
- Support channels✓ IncludedSupport is a marketed plan feature; Select adds dedicated account management and exclusive Select support
- Help centre / documentation✓ IncludedHelp resources and onboarding support are offered by the vendor (free onboarding promoted on the pricing page)
- Free plan— Not includedNo free-forever plan is published; entry is a 30-day free trial
- Free trial✓ Included30-day free trial, plus a 30-day money-back guarantee on purchases
- Human control model✓ IncludedYou review imported transactions, matches and reports; automation imports and reminds, you reconcile and send
- Approval controls? Not verifiedNo dedicated approval-workflow control was verified on the pages checked
- Data export / exit route? Not verifiedReports are published features, but a full data-export/exit route was not verified on the pages checked
- Setup model✓ IncludedNo-code web signup with onboarding support; Select adds customised onboarding and migration help
- Works inside an existing ledger— Not includedFreshBooks is its own ledger — it does not work inside QuickBooks or Xero
- Replaces the ledger✓ IncludedFrom Plus it is a complete ledger: double-entry accounting reports, chart-level reporting and bank reconciliation; Lite is billing and tracking without the full ledger layer
- Bank feeds✓ IncludedAutomated bank import is listed on every plan including Lite
- Receipt capture✓ IncludedAutomatic expense receipt data capture from Plus; Premium adds automatic bill receipt capture. Not on Lite
- Reconciliation✓ IncludedBank reconciliation is a named feature from Plus (not on Lite)
- Invoice chasing✓ IncludedAutomated late payment reminders and scheduled late fees on every plan
- Human bookkeeper / reviewer included— Not includedNo bookkeeper is included; Plus and up give your own accountant access at no extra seat cost
- Files tax returns— Not includedTax-time reports are included on all plans; FreshBooks does not file tax returns
Best for
- Freelancers and consultants who bill clients, especially by the hour
- Solos who want invoicing, time tracking and books in one tool
- Businesses whose accountant is happy to work inside FreshBooks
Not for
- High-churn solos with many small clients — the cap counts archived clients
- Anyone who needs a free tier or books without a client meter
- Businesses needing a human bookkeeper or tax filing included
Our assessment of FreshBooks
FreshBooks grew up as invoicing software and it shows in the pricing: you do not pay for features so much as for billable clients. Lite at $23 a month covers 5 billable clients with unlimited invoices and estimates, unlimited expenses, unlimited time tracking, automated bank import, recurring invoices, late payment reminders and tax-time reports — enough to bill and track, but deliberately not a full ledger: there is no bank reconciliation, no double-entry accounting reports, no receipt data capture and no accountant access on Lite. Plus at $43 a month, covering 50 billable clients, is where FreshBooks becomes the books: double-entry reports, bank reconciliation, automatic expense receipt capture, proposals, client retainers and free access for your accountant all start here, which is why Plus is this listing's solo pick for anyone whose FreshBooks is their actual ledger. Premium at $70 a month removes the client cap and adds accounts payable and project profitability; Select is custom-priced with two team member seats, lower card rates and a dedicated account manager. Annual billing takes 10% off (Lite $248.40 a year, Plus $464.40, Premium $756). The add-on menu matters to the real bill: extra team members are $11 a month each on every plan, Advanced Payments is $20 a month (included on Select), and payroll runs $40 a month plus $6 per user. The client-count model cuts both ways — a solo with three steady clients gets a polished billing machine for $23, while a freelancer with many small one-off clients can be pushed up a tier by headcount alone, and archived clients count toward the cap. A 30-day free trial and a 30-day money-back guarantee soften the start; the pricing page's 80%-off introductory offer is a promotion, not the price you renew at.
Pros — our take
- Best-in-class invoicing polish: recurring invoices, late fees, reminders, deposits and checkout links on every plan
- Plus at $43 is a complete solo ledger — reconciliation, double-entry reports, receipt capture and your accountant inside
- Time tracking and expenses are unlimited even on Lite, which suits billable-hours freelancers
Cons — our take
- You pay for client headcount: many small clients push you up tiers regardless of revenue, and archived clients count
- Lite's missing reconciliation and accountant access make the $23 tier a billing tool, not the books
- No free plan, and the real bill grows with $11 team seats and add-ons
Solo Fit input · no-code5/5 — can a non-technical owner run it?
Solo Fit input · setupSame day — 30-day free trial, start invoicing in minutes to the first useful result
Solo Fit input · human controlApproves before acting
Solo Fit input · pricing clarityClear per-plan price, client-capped
Solo Fit stays the public score: the qualitative roll-up of these four published inputs under the How We Rank method. Prices are published plainly per plan, so clarity is high; it is held back by the client-count scaling rule and an add-on menu (team seats, Advanced Payments, payroll) that decides the real bill.
Three to compare before you decide
The difference: Wave starts free with unlimited clients and charges $19/month for its bank feed; FreshBooks starts at $23, caps clients per tier, and is the more polished invoicing and time-tracking machine.
The difference: Found is a free bank account whose books cover money inside it; FreshBooks is a standalone ledger beside any bank, priced by how many clients you bill.
The difference: QuickBooks Online is the deeper general ledger with the widest accountant familiarity; FreshBooks is narrower, friendlier for client billing, and priced by client count instead of feature depth.
Questions buyers ask about FreshBooks
What does FreshBooks cost for one person?
Lite is $23/month for up to 5 billable clients, Plus is $43/month for up to 50, and Premium is $70/month for unlimited, checked on freshbooks.com/pricing on 2026-11-05. Annual billing takes 10% off. Extra team members are $11/month each, and the introductory 80%-off offer on the page is a promotion, not the renewal price.
Is Lite enough, or do I need Plus?
Lite bills and tracks well but is not a full ledger: bank reconciliation, double-entry accounting reports, receipt capture and accountant access all start on Plus at $43/month. If FreshBooks is your actual bookkeeping system rather than just your invoicing tool, Plus is the honest tier.
How does the billable-client limit work?
Lite allows 5 billable clients and Plus 50; Premium and Select are unlimited. The count includes archived clients, so a freelancer with many past one-off clients can hit the cap on history rather than current work — that headcount, not usage, is what moves you up a tier.
Does FreshBooks have a free plan or trial?
There is no free-forever plan. There is a 30-day free trial and a 30-day money-back guarantee on purchases, both stated on the pricing page checked on 2026-11-05.
Stacks & next steps
FreshBooks is not in a published stack yet — stacks are edited buying guides, and memberships are added only when the combination has been worked through.
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Provenance — where this page’s facts came from