Free plans only

4 Best Free Accounting Software for Freelancers of 2026

By the Rankozo research desk · Updated November 5, 2026

4 of the 10 tools in our best accounting software for freelancers ranking offer a permanent free plan. Zoho Books scores highest among them at 8.9 out of 10.

1. 01

   Zoho Books

   Freelancers earning under $50K a year who want full bookkeeping and tax-ready reports for $0.

   Free plan for revenue up to $50K a year; Standard from $15 per organization per month billed annually ($20 monthly)

   Full entry, No. 1 overall

   Paid from

   $15

   Score 8.9

2. 02

   Wave

   Freelancers who send many invoices and want to pay nothing until they need bank imports.

   Free Starter plan; Pro $19 per month, or $190 per year billed annually

   Full entry, No. 2 overall

   Paid from

   $19

   Score 8.6

3. 03

   QuickBooks Solopreneur

   Self-employed people who file with TurboTax and want help maximizing deductions.

   Free plan; Lite $20 per month ($10 per month for the first 3 months)

   Full entry, No. 3 overall

   Paid from

   $20

   Score 8.3

4. 04

   Lili

   Freelancers opening a first business bank account who want tax set-asides built in.

   Lili Core $0; Pro $15 per month; accounting and invoicing need Smart at $35 per month

   Full entry, No. 7 overall

   Paid from

   $15

   Score 7.7

Scores and prices come from our Best Accounting Software for Freelancers ranking, which uses one method for every tool. Questions or corrections: editorial@rankozo.com