Top 30 Bookkeeping Software for Freelancers and Gig Workers

Curated list of the top bookkeeping tools for managing finances, invoicing, expense tracking, and tax compliance for independent professionals.

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Verified Options & Solutions

All‑in‑one solution that tracks mileage, captures receipts, and estimates quarterly taxes.

User‑friendly invoicing and expense management platform with time‑tracking and automated tax reports.

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

#5 Xero

Cloud‑based accounting with bank feeds, expense categorisation, and integration with over 800 apps.

Comprehensive bookkeeping with automated workflows, client portals, and multi‑currency support.

#7 Kashoo

Simple, clean interface for invoicing, expense tracking, and real‑time financial reporting.

Designed for freelancers, it handles invoicing, expense claims, and automatic tax calculations.

Tailored for gig‑economy workers (e.g., Etsy, Amazon, Uber) with sales‑tax tracking and mileage logs.

Robust accounting with cash‑flow forecasting, invoicing, and mobile receipt capture.

#11 ZipBooks

Free tier includes invoicing and basic bookkeeping; paid plans add time tracking and advanced reporting.

#12 SlickPie

Free online accounting with automatic data entry via MagicBot and multi‑currency invoicing.

Open‑source invoicing and expense manager with built‑in time tracking and client portal.

Simple, low‑cost bookkeeping for freelancers with unlimited invoices and expense tracking.

Affordable payroll and bookkeeping combo, ideal for solo entrepreneurs who need quick payroll runs.

#16 Bill.com

Automates bill payment, invoicing, and integrates with major accounting platforms for streamlined cash flow.

#17 Akaunting

Free, open‑source accounting software with invoicing, expense tracking, and multi‑user collaboration.

Modular ERP with a powerful accounting suite; free for a single app, integrates with sales and inventory.

#19 KashFlow

UK‑focused bookkeeping with automated VAT returns, invoicing, and bank reconciliation.

Standalone invoicing tool that syncs with Zoho Books; great for freelancers needing lightweight billing.

#21 Harvest

Time‑tracking meets invoicing; automatically converts tracked hours into professional invoices.

#22 Bonsai

All‑in‑one platform for freelancers offering contracts, invoicing, expense tracking, and tax estimates.

#23 AND.CO

Freelancer‑focused suite with invoicing, expense capture, contract templates, and tax filing assistance.

Free invoicing tool integrated with PayPal payments; suitable for gig workers who already use PayPal.

Simple invoicing with instant payment processing; integrates with Square POS for product‑based freelancers.

Expense management app that syncs with Zoho Books; automates receipt scanning and mileage logs.

#27 Expensify

Automated receipt capture, mileage tracking, and expense report generation; integrates with major accounting tools.

Turns receipts and invoices into digital data that feeds directly into your bookkeeping software.

#29 Moneybird

European‑focused bookkeeping with invoicing, expense tracking, and automatic VAT calculations.

#30 QuickFile

Free accounting for small businesses with unlimited invoices, bank feeds, and tax reports.

Paid payroll add‑on for Wave Accounting; handles employee wages, tax filings, and direct deposit.

#32 Kashoo Go

Mobile‑first bookkeeping app that syncs with Kashoo’s desktop platform for on‑the‑go expense entry.

Specialised GST‑ready version of Zoho Books for Indian freelancers, with automatic tax filing.

Simplified Xero plan for freelancers, offering bank reconciliation, invoicing, and tax estimates.

Japanese cloud accounting with auto‑categorisation, receipt OCR, and integrated tax filing.