Free tools
We found these tools with a web search. We haven't used them all ourselves yet, and we're collecting reviews for each one. We don't build them, and nobody pays us to list them.
You can use every tool below for free, with no card. The free and paid details come from each maker's own site, as of 17 Oct 2026.
Used one of them? Email info@in2fpa.com and tell us how it went. We'll add what people say to the tool.
Labels on the cards:
Jump to: Invoices and quotes · Getting paid · Cash flow and budgets · Free accounting software · Getting data in and out · Receipts · Reports · GST calculators · Newer tools
Fill in a web form with your details, the customer and the line items, then download the invoice as a PDF. You pick the currency, and tax can be a percentage or a flat amount.
What's free: unlimited invoices with no sign-up. The site shows ads.
Works in: any country.
Established (running since 2012).
Send invoices with your logo and take card payments, deposits and part-payments online. It also tracks expenses and sends recurring invoices.
What's free: up to 5 clients, unlimited invoices, 11 invoice templates, no card. The invoices carry Invoice Ninja branding. Pro costs $14 a month.
Works in: any country.
Write a quote, and when the customer approves it, turn it into an invoice. It sends payment reminders, and customers can approve quotes and pay in a client portal.
What's free: the whole product. The Australian pricing page lists 2 users, 3 projects and 500 invoices a year.
Works in: Australia, UK, US, Canada, NZ and other countries (regional editions).
Established.
Enter the invoice amount including VAT, the date the customer received it, your payment terms and the payment date. It shows the days overdue, the interest you can charge (8% plus the Bank of England base rate) and the fixed compensation.
What's free: the calculator. No login.
Works in: UK.
Government (run by the Office of the Small Business Commissioner, a UK public body).
An Excel file with one column per month: opening balance, cash in, cash out, closing balance. Type in last month's real figures, or your estimates for the next 12 months to make a forecast.
What's free: the download. The same site also has a free budget template.
Works in: made for Australia (it has GST notes). The Excel file works anywhere.
Government (Australian Government).
The Cash Flow Statement template has a 12-month sheet for monthly cash in and out, actual or projected. The 12-Month Business Budget template splits sales and costs by month, with a sheet for cost of goods.
What's free: both downloads, for Excel or Google Sheets. The licence is for your own use (you can't resell or share the file).
Works in: any country.
Established. The templates were last updated in 2021.
Full accounting software that you install on your own computer: invoices, bills, bank accounts and reports. It works without an internet connection.
What's free: the desktop edition, with every feature. The maker says there are "no time limits, no usage limits, no ads". It is for one user. Multi-user or online access needs the paid Cloud Edition.
Works in: any country, on Windows, Mac or Linux. Australian files get a built-in BAS report; elsewhere you set up your own tax codes.
Accounting software with invoices, expenses, bank statement import, bank rules and reconciliation. In Australia it tracks GST and prepares the BAS. In the UK it files MTD VAT returns.
What's free: 1 user plus your accountant, 1,000 invoices and 1,000 expenses a year, 50 receipt scans a month. In Australia the free plan is for revenue under A$50,000 a year; in the US, under US$50,000. Automatic bank feeds are on the paid plans.
Works in: Australia, UK, US; other countries have their own editions.
Established.
Accounting and invoicing: unlimited estimates, invoices, bills and bookkeeping records, and invoices from your phone.
What's free: the Starter plan. Automatic bank import and receipt capture are on Pro (US$19 a month). Card payments cost 2.9% + $0.60 each.
Works in: US and Canada.
Established.
Turns a PDF, CSV, QIF or OFX statement into a .qbo, .ofx or CSV file for QuickBooks and other software.
What's free: the whole tool, no sign-up, up to 5 files (10 MB) at a time. PDFs have a daily limit. CSV, QIF and OFX files are converted in your browser; PDFs go to Founderpath's server.
Works in: any country.
Founderpath is a US lender, and the page also advertises its loans.
Checks a CSV file before you import it: dates, numbers, empty cells, required columns, duplicate rows and missing dates in a series. You fix the cells on screen and download the clean file.
What's free: the whole tool. It runs in your browser, and the file stays on your computer.
Works in: any country. You set the rules for each column yourself; it doesn't know the Xero or QuickBooks import layouts.
Posts your Square sales (and other sales channels) into Xero or QuickBooks Online as one summary invoice a day, with the fees recorded separately.
What's free: up to 60 orders a month from one sales channel and one store. Paid plans start at US$18 a month (billed yearly).
Works in: Australia, NZ, UK, US and other countries where Xero or QuickBooks Online runs.
Before you start: it writes invoices into your books.
Established (on the Xero App Store since 2020).
Collects the invoices and receipts that arrive in your email and keeps them in one place for your bookkeeping.
What's free: up to 10 invoices a month, with no end date. Paid plans start at A$19 a month.
Works in: any country.
Before you start: it reads your email inbox.
For owners with more than one company. It adds up your Xero or QuickBooks Online files into one group profit and loss and balance sheet, shows who owes the group and whom the group owes, shows cash across all companies, and finds intercompany amounts that don't match.
What's free: up to 4 companies connected, no card. Pro is A$99 / £49 / US$65 a month billed yearly.
Works in: Australia, NZ, UK, US, Canada and other countries.
Build charts and dashboards on your own computer from Excel or CSV exports of your accounting data.
What's free: building and viewing reports on your own computer. Sharing them online needs Power BI Pro (US$14 per user a month, paid yearly).
Works in: any country.
Established (Microsoft).
Adds 10% GST to a price, or works out how much GST is inside a GST-inclusive price. For taxable sales only.
What's free: the calculator.
Works in: Australia.
Government (ASIC, Australian Government; the ATO links to it).
Pick a province and enter a price to get the GST/HST, any provincial sales tax and the total. Or enter the total to get the price before tax. A table of rates by province is on the same page.
What's free: the calculator.
Works in: Canada.
Government (Canadian Government).
These are live and do what they say on their own sites, but we found no public reviews yet. Many are small makers looking for their first users. Try one on a small job first, and tell us how it went.
For: Invoices and quotes.
Built for trades. Send a quote from the job site; the customer accepts it online without an app or an account. You get an alert when the quote is opened and when it is accepted, and you can add photos.
What's free: quotes and invoices with no monthly limit, plus job and customer records. Pro costs £5 a month and adds quote drafting from a voice note.
Works in: built in the UK. The site doesn't list currencies.
For: Invoices and quotes.
Invoices with a Stripe "Pay Now" button, expense tracking with receipt photos, automatic reminders and CSV or Excel export.
What's free: the Foundation plan, "£0/forever": unlimited invoices, expenses and clients. The Business plan (£120 a year) adds P&L reports, VAT-compliant invoices and recurring invoices. Card payments through its Stripe link cost 0.5% (min £1, max £20) plus Stripe's fee.
Works in: UK.
Company formed: September 2026.
For: Getting data in and out.
Upload a PDF bank statement and download it as Excel, CSV, a Xero CSV, a QuickBooks Online CSV, QIF or OFX. Then import that file into your accounting software.
What's free: conversions of up to 10 pages, no sign-up, "while we're in early access". Text PDFs are converted in your browser. For scanned PDFs it asks first, then reads them on its server and deletes them.
Works in: any country.
For: Getting data in and out.
Upload a PDF, CSV or Excel statement, check the lines on screen, then send them into your Xero bank account as feed lines ready to reconcile. You can also download a Xero CSV instead.
What's free: one complete statement per bank account, no card. After that, from £19 / A$29 / NZ$32 / US$25 a month.
Works in: UK, Australia, NZ and US (Xero users).
Before you start: it connects to your Xero organisation. It checks for duplicates only against lines you sent through StatementClear.
For: Getting data in and out.
Google Sheets add-ons. They build a sheet with drop-down lists from your own accounts, tax rates and contacts, check every row against your live Xero or QuickBooks Online file, and mark each error on the cell. Then they send only the rows that passed. Xero: invoices, bills, contacts. QuickBooks Online: invoices, bills, customers.
What's free: the row checks, every time, plus 20 rows sent to your books each month. Pro is US$20 a month per Xero organisation or QuickBooks company.
Works in: any country where you use Xero or QuickBooks Online.
Before you start: it can write to your books. Check the permissions Xero or QuickBooks shows you when you connect.
For: Receipts.
A phone app. Take a photo of a receipt; it reads the vendor, date, total and tax and adds a row to your own Google Sheet. The photo is saved in your Google Drive.
What's free: a number of scans each month (the maker hasn't put the limit on its site). Premium is US$9.99 a month.
Works in: any country, on iPhone and Android.
Reviews: App Store 4.3 from 19 ratings. None found anywhere else yet.
For: Reports.
For bookkeepers. It takes the numbers from QuickBooks or Xero, builds a PDF report from a template, and emails it to your client from your own Gmail or Outlook.
What's free: 3 clients, 50 PDFs and 5 sends a month, with profit and loss, balance sheet and receivables ageing. The PDFs carry a "Made with Streamline Reports" footer. Pro is $39 a month billed yearly.
Works in: any country where you use QuickBooks or Xero.
Before you start: it sends email from your account.
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First Contact is a small marketing team. We aren't paid by any tool on this page and these aren't endorsements. We find tools with a web search, and the facts come from each maker's own site, with the date we looked. We leave out tools that ask for a card before you can use the free part.
Spotted something wrong? Email info@in2fpa.com.