Top 20 Alternatives to Bonsai in Accounting Software for Self‑Employed

Bonsai is an all‑in‑one platform for freelancers that combines contracts, invoicing, time‑tracking, and expense management. Below are 20 comparable tools that cater to self‑employed professionals looking for robust accounting and invoicing capabilities.

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Top Competitors to Consider

Cloud‑based invoicing and accounting with time‑tracking, expense capture, and client portal; ideal for freelancers and small businesses.

Intuitive bookkeeping, mileage tracking, and quarterly tax estimation designed specifically for independent contractors.

#4 Wave

Free accounting suite offering invoicing, receipt scanning, and basic payroll for solo entrepreneurs.

Comprehensive accounting with automated workflows, client portals, and multi‑currency support for freelancers.

#6 Xero

Scalable cloud accounting with bank feeds, invoicing, and robust reporting; integrates with many freelance‑focused apps.

#7 Kashoo

Simple, single‑user accounting with automatic bank feeds, invoicing, and expense tracking.

Free tier provides invoicing, basic bookkeeping, and simple financial reporting for solo professionals.

User‑friendly accounting with automated data entry, online invoicing, and tax‑ready reports.

Tailored for gig‑economy workers; integrates with platforms like Etsy, Amazon, and eBay for automatic sales syncing.

Free and paid plans for invoicing, time‑tracking, and expense management; supports over 40 payment gateways.

#12 Harvest

Time‑tracking meets invoicing; lets freelancers log hours, generate invoices, and view profitability dashboards.

All‑in‑one freelance management with contracts, invoicing, expense tracking, and tax estimates.

#14 FreeAgent

UK‑focused accounting with invoicing, expense capture, and automatic tax calculations for freelancers.

Cloud accounting with invoicing, cash flow forecasting, and mobile receipt capture for solo entrepreneurs.

Simple, low‑cost accounting with invoicing, expense tracking, and real‑time profit‑and‑loss statements.

#17 Paydirt

Freelance‑focused bookkeeping that automates income/expense categorization and provides quarterly tax estimates.

#18 Invoicely

Free invoicing platform with basic accounting, multi‑currency support, and client management tools.

#19 Nutcache

Project management combined with time‑tracking and invoicing; ideal for consultants juggling multiple contracts.

#20 Bill.com

Automated bill payment and invoicing workflow; integrates with major accounting packages for streamlined cash flow.

Minimalist accounting for freelancers with invoicing, expense logging, and simple financial reports.