# Best Free Invoicing Software for Contractors > Best free invoicing software for contractors in 2027: Wave, Zoho Invoice, Square, PayPal, Invoice Ninja and BrickByClick Free compared on limits, fees and fit. Canonical: https://brickbyclick.ai/best-free-invoicing-software-for-contractors Last updated: 2026-10-27 ## What does a contractor need from free invoicing software? A contractor's invoice is not a shop receipt. One job can mean a deposit, a progress bill and a final bill, paid over weeks, sometimes on the homeowner's porch. ### The must-haves - **Deposits and progress billing:** a way to bill part of the job now and credit it on the final bill. - **Card and bank payments:** a pay link in the email, so the homeowner can pay by card for a small job or by bank for a big one. - **Getting paid on site:** a way to take payment from your phone before you leave. - **Who owes what:** a list that shows sent, overdue and paid at a glance. - **Tax:** a default tax rate so you do not work it out on every invoice. - **A clean PDF or link** with your name, logo and licence number on it. ### What "free" usually means - **A free plan with limits:** free forever, but capped by invoices a year, clients or users. Zoho Invoice and Invoice Ninja work this way. - **Free software, paid payments:** no monthly fee, and the maker earns a cut of each card or bank payment. Wave, Square, PayPal and BrickByClick Free work this way. - **A free trial:** free for a while, then a monthly price. Invoice Simple, for example, lets you start free but lists only paid plans, from $6.99 a month. None of these is a trick. They are different business models, and the right one depends on how many jobs you bill and how your customers pay. ## Why the payment fee matters more than the price tag On a free tool the fee on each payment is your real bill. A 1% difference on a $9,000 kitchen job is $90, on one invoice. ### Card versus bank Card fees are a percentage with no cap, so they grow with the job. Bank payments usually cost less and some tools cap them. For large jobs, ask the homeowner to pay by bank. ### Whose account the money lands in Some tools pay out through their own payment service. Others, like BrickByClick, send the money to your own Stripe account. Check payout timing and who you call when a payment is disputed. ### The limits that bite later - A yearly invoice cap is fine at three jobs a week and tight at fifteen. - A client cap of 5 ends quickly for a handyman with many small customers. - Branding on free invoices ("Powered by") is a small thing, but some owners mind it. ## How we compared the free options We read each maker's own pricing and product pages in October 2026 and wrote down only what they state. Where a page did not say, we say "check their pricing page" instead of guessing. 1. **Is there a free plan, not just a trial?** 2. **What are the limits** on invoices, clients or users? 3. **Are estimates or quotes included free?** 4. **What does a card payment cost, and a bank payment?** 5. **Can you get paid on site** from a phone? 6. **What else comes with it,** such as bookkeeping or time tracking? Fees and plans change. Before you sign up anywhere, open the maker's pricing page and check today's numbers. ## The best free invoicing software for contractors in 2027 ### Wave: best if you also want free bookkeeping Wave's free Starter plan lets you create unlimited estimates, invoices, bills and bookkeeping records, with mobile invoicing and no card to sign up. That bookkeeping side is its real strength: none of the other free tools here keep your books. - Card payments on Starter: 2.9% + $0.60 per transaction (3.4% + $0.60 for Amex). - Bank payments: 1% per transaction, $1 minimum. - A paid Pro plan is $19 a month and lowers card fees on some transactions; check their pricing page for the current terms. ### Zoho Invoice: best fully free plan Zoho Invoice is free with no subscription. Its free plan states up to 500 invoices a year, two users and three projects, with quotes, recurring invoices, time tracking and a customer portal. - Online card, ACH and e-wallet payments go through a payment gateway you connect; the gateway's own fees apply. - Good fit for a crew that sends many quotes and wants time logged against a project. ### Square Invoices: best if you already take Square in person Square's free plan is $0 a month per location and includes invoices, recurring invoices, estimates and contracts. If you already use a Square reader, it all sits in one account. - Online card payment on an invoice, free plan: 3.3% + 30¢. - Bank (ACH) payment, free plan: 1%, $1 minimum, no cap listed. - Square Invoices Plus is $49 a month per location, with lower card fees (2.9% + 30¢), a $10 ACH cap and payment schedules. ### PayPal Invoicing: best if your customers want to pay with PayPal or Venmo PayPal charges when an invoice is paid. Its US fee sheet lists no fee for sending, and an optional invoicing subscription at $14.99 a month. - Card, Apple Pay and other wallets: 2.99% + $0.49. - PayPal, Venmo or guest checkout: 3.49% + $0.49. Pay Later: 4.99% + $0.49. - Pay by Bank (ACH): 1%, capped at $10 a payment. - For estimates and other features, check PayPal's own invoicing pages. ### Invoice Ninja: best for a very small client list Invoice Ninja's free plan is free forever with unlimited invoicing for up to 5 clients. It includes recurring invoices, a client portal and online payments through a gateway you connect. - Free invoices carry Invoice Ninja branding; Pro removes it and the client cap at $14 a month. - It can also be self-hosted; see their self-hosting site. - Five clients suits a sub working for a few general contractors, not a residential crew. ### BrickByClick Free: best for getting paid on site BrickByClick Free is the invoicing and payments part of our [CRM](https://brickbyclick.ai/crm), for $0 a month and no card to sign up. It is made for local service businesses in 30+ industries, contractors included. - A customer list, and invoices sent by email with a private pay link the homeowner opens on their phone. - Card, Apple Pay, Google Pay or US bank payment through your own Stripe account. The invoice marks itself paid. - **Get paid** shows a QR code on your phone for payment on the spot. Cash and checks are recorded by hand. - Fees: Stripe's processing + 0.5% per card payment (max $25). No BrickByClick fee on bank payments. - Limits: one login, a "Powered by BrickByClick" line on invoices, and daily limits on invoice emails for new accounts. *Image: A list of six invoices with the customer, the job, the due date, the amount and a status of Overdue, Sent or Paid on each row* Who owes what, in one list (sample data; this view is from a paid plan, so the side menu shows more than Free has). Where it is weaker: Free has no estimates, so no deposit-from-estimate flow, no payment reminders and no bookkeeping. Estimates with deposits, the job tracker and reminder emails start on [Starter at $99 a month](https://brickbyclick.ai/starter-plan). For full details see [BrickByClick Free](https://brickbyclick.ai/free-invoicing). ## Free contractor invoicing software compared *Free tiers as stated on each maker's pages, October 2026. Check before you sign up.* | Tool | Free plan | Stated limits | Card fee | Bank fee | Estimates free | | --- | --- | --- | --- | --- | --- | | Wave | Yes (Starter) | Unlimited invoices and estimates | 2.9% + $0.60 | 1%, $1 min | Yes | | Zoho Invoice | Yes | 500 invoices a year, 2 users | Your gateway's fee | Your gateway's fee | Yes (quotes) | | Square Invoices | Yes | Per location | 3.3% + 30¢ | 1%, $1 min | Yes | | PayPal Invoicing | No fee to send | Check their pages | 2.99% + $0.49 | 1%, max $10 | Check their pages | | Invoice Ninja | Yes | 5 clients | Your gateway's fee | Your gateway's fee | Check their pricing page | | BrickByClick Free | Yes | One login, daily email limits | Stripe's + 0.5% (max $25) | Stripe's, no BrickByClick fee | No (Starter) | Invoice Simple is not in the table because it lists no free plan; its paid plans start at $6.99 a month. ## How to choose free invoicing software by situation ### One-person crew, a few jobs a week Any of these works. Pick the one whose fee you can live with. If you mostly bill homeowners by text or email and want them to pay from their phone, BrickByClick Free or Square keep it short. ### You send a lot of estimates Wave, Zoho Invoice and Square include estimates free. BrickByClick Free does not; estimates with online accept and a deposit come with [Starter](https://brickbyclick.ai/starter-plan). ### You need accounting, not just invoices Wave is the clear pick on a $0 budget, because the bookkeeping comes with it. Otherwise give your accountant a clean record of invoices and payments from whichever tool you use. ### You take payment on site If you already have a Square reader, stay with Square. If you do not want hardware, a QR code the homeowner scans with their own phone does the job. In BrickByClick, open **Get paid**, enter the amount and tap **Show QR code**. *Image: A phone screen for billing a customer on the spot, with three priced lines, a tax line and a Show QR code button at the bottom* Billing on site: add the lines, then show the customer a code to scan (sample data). *Image: The same phone screen after payment, with a tick, the word Paid, the amount collected, the payment method and the time it was paid* Before you leave the driveway: the screen confirms the card payment (sample data). ### You bill big jobs Push the homeowner toward bank payment. PayPal caps bank payments at $10 and BrickByClick adds no fee of its own on bank payments; card fees with no cap get expensive on a $20,000 job. ### You work with only a few clients A sub billing three general contractors fits inside Invoice Ninja's 5-client free plan. ## How BrickByClick Free works for a contractor You sign up at crm.brickbyclick.ai/start with an email and a password, confirm the email, then link Stripe. Your logo, address and tax rate go in Settings once. *Image: * Walkthrough: an invoice from blank to sent (sample data). The homeowner gets an email from your business name. They tap the button, see the invoice on their phone and pay by card or bank. No account, no app. *Image: A homeowner's view of an invoice on a phone, with the amount due, a card payment button, a bank payment button, a Zelle option and a button to say payment was already sent* The homeowner's side: one link, no app, card or bank (sample data). *Image: * Walkthrough: linking Stripe so invoices can be paid online (sample data). Only need one invoice? The [free invoice generator](https://brickbyclick.ai/free-invoice-generator) makes a PDF in your browser with no account. There are also ready templates for [plumbing](https://brickbyclick.ai/plumbing-invoice-template), [HVAC](https://brickbyclick.ai/hvac-invoice-template) and [cleaning](https://brickbyclick.ai/cleaning-invoice-template). Step-by-step help is in the [help guide](https://brickbyclick.ai/help#invoices). ## What free invoicing software will not do for you - **Chase the money for you** on most free plans. Check whether reminders are included; on BrickByClick they start on Starter. - **Replace a bookkeeper,** except partly in Wave. - **Remove card fees.** Every tool here charges, or passes on, a fee on each card payment. - **Track job costs or crews.** For that you need job software, such as the [job tracker](https://brickbyclick.ai/job-tracker) and [job costing](https://brickbyclick.ai/job-costing) on BrickByClick paid plans. - **Sync invoices to QuickBooks** from BrickByClick. It does not, on any plan. ## Is BrickByClick Free right for your business? ### A good fit if - You bill homeowners and want them to pay from a link or a QR code. - You want card payments to land in your own Stripe account. - You may later want estimates, scheduling and a crew app in the same place, on Starter. ### Not the right fit if - You need free estimates or quotes today: Wave, Zoho Invoice or Square include them. - You need free bookkeeping: Wave. - You need several people logged in for free: Zoho Invoice allows two users. ## Questions people ask ### What is the best free invoicing software for contractors? It depends on what you need beside the invoice. Wave adds free bookkeeping, Zoho Invoice has a free plan with up to 500 invoices a year and fees set by your payment gateway, Square suits crews who already take Square in person, and BrickByClick Free is built around getting paid on site with a QR code. Compare the payment fees before anything else. ### Is there a truly free invoice app for contractors? Yes. Wave, Zoho Invoice, Square Invoices, Invoice Ninja and BrickByClick Free all have a $0 plan. Some earn money from the fee on each card or bank payment; Zoho Invoice and Invoice Ninja limit the free plan instead. ### Which free invoicing software has the lowest card fees? On the makers' stated rates in October 2026, Wave's Starter charges 2.9% + $0.60, PayPal 2.99% + $0.49 for cards, and Square's free plan 3.3% + 30¢. BrickByClick Free charges Stripe's processing plus 0.5% per card payment, capped at $25. Check each pricing page, as rates change. ### Can I take a deposit with free invoicing software? Usually by sending a separate deposit invoice. In BrickByClick, deposits are set on an estimate and turned into a deposit invoice, which is on Starter at $99 a month, not on Free. Square lists deposits as an invoice feature but does not say which plan includes them, so check with them. ### What is the best free invoicing software for a one-person contracting business? For one person, the simplest tool you will actually open on your phone. If you want bookkeeping too, Wave. If you want the homeowner to pay before you leave, BrickByClick Free or Square. If you send many quotes, Zoho Invoice. ### Can a homeowner pay a contractor invoice by bank transfer? Yes, with most of these tools. Wave and Square charge 1% with a $1 minimum, PayPal 1% capped at $10, and BrickByClick adds no fee of its own on bank payments beyond Stripe's processing. ### Does free invoicing software include estimates? Wave, Zoho Invoice and Square include estimates or quotes on their free plans. BrickByClick Free does not; estimates with online accept and deposits come with Starter. ### Is Wave or Zoho Invoice better for contractors? Wave is better if you want bookkeeping included and unlimited invoices. Zoho Invoice is better if you want time tracking, a customer portal and two users, and you send fewer than 500 invoices a year. ### Can I send invoices from free software to QuickBooks? It depends on the tool. BrickByClick does not send invoices or payments to QuickBooks on any plan. On paid plans it sends job receipts to QuickBooks Online as expenses, and Download for your accountant gives one spreadsheet for any accounting software. ### When should a contractor move to paid invoicing software? When you hit the free limits, need reminders that chase late payers, or want estimates, scheduling and job costs in the same place as the invoice. On BrickByClick that is Starter at $99 a month, and your customers and invoices stay when you move. ## Related - [BrickByClick Free](https://brickbyclick.ai/free-invoicing): Free invoicing with card and bank payments, in full. - [Free invoice generator](https://brickbyclick.ai/free-invoice-generator): Make one invoice as a PDF, no account. - [Plumbing invoice template](https://brickbyclick.ai/plumbing-invoice-template): A ready layout for plumbing jobs. - [HVAC invoice template](https://brickbyclick.ai/hvac-invoice-template): A ready layout for HVAC service calls. - [Starter plan](https://brickbyclick.ai/starter-plan): Estimates, deposits, jobs, reminders and a crew app for $99 a month. - [Estimates and invoices](https://brickbyclick.ai/estimates-and-invoices): Deposits, progress bills and payments on paid plans. - [Best AI tools for contractors](https://brickbyclick.ai/best-ai-tools-for-contractors): A buyer's guide to AI tools, job by job. - [Invoice help](https://brickbyclick.ai/help#invoices): Steps and videos for invoices and payments.