Invoicing Software Comparisons

Why freelancers switch to Invoa

How does Invoa compare to FreeAgent, Xero, QuickBooks, Wave, Zoho Invoice, Crunch, and Sage for UK freelancers? We break down pricing, features, and UK compliance side by side.

Choosing invoicing software as a UK freelancer

The UK invoicing software market is dominated by accounting suites that were not built with freelancers in mind. FreeAgent, Xero, and QuickBooks are powerful platforms — but they bundle payroll, double-entry bookkeeping, expense tracking, and tax filing tools that most sole traders and freelancers never use. You end up paying £16–£22+ per month for features you will never open, and navigating a complex accounting dashboard just to send a simple invoice.

Invoa takes a different approach. It is built specifically around the invoicing workflow: create an invoice, send it, track whether it has been paid, chase it automatically if it hasn’t. HMRC-compliant VAT invoices, PDF generation, and automatic payment reminders are all included — without the overhead of a full accounting suite. For freelancers who use a separate accountant or file their own Self Assessment, Invoa covers the invoicing side completely.

Price is also a genuine differentiator. Invoa Pro starts at £7.99/month for unlimited invoicing — compared to £16–£19+ for entry-level plans at Xero, FreeAgent, and QuickBooks. Over a year, that is a saving of £97–£133.* For a freelancer who sends 10–30 invoices a month and does not need payroll or bookkeeping, that saving is hard to justify ignoring.

* Based on Invoa Pro annual plan vs. Xero Starter / FreeAgent Solo at April 2026 list prices.

Feature overview

How the key features stack up across all seven tools for UK freelancers.

FeatureInvoaFreeAgentXeroQuickBooksWaveZoho InvoiceCrunchSage
HMRC-compliant VAT invoices
Free plan
Unlimited invoices from £7.99/mo
Automatic payment reminders
Multi-currency
Full accounting — outside Invoa's scope
Expense tracking
Payroll
MTD VAT submission
Self Assessment filing

Who Invoa is built for

Invoa is the right tool for freelancers who need great invoicing — not a full accounting suite.

Sole traders and freelancers

If you invoice clients, track what you've been paid, and use an accountant or HMRC online for your tax return — Invoa handles everything in between. HMRC-compliant VAT invoices and automatic reminders included.

Switchers from Xero or FreeAgent

If you're paying £16–£19+/mo and only using the invoicing features, Invoa Pro at £7.99/mo does the same invoicing work with less complexity. Your CSV and PDF exports make accountant handoff straightforward.

UK businesses with EU clients

The Business plan at £14.99/mo adds multi-currency invoicing (GBP, EUR, USD, CAD, AUD) and EU VAT rates — without requiring an upgrade to a full accounting platform at twice the price.

Anyone getting started

The free Starter plan lets you send 3 invoices a month with no credit card required. Try the full product before deciding — no trial period countdown, no expiry.

Detailed comparisons

Invoa vs FreeAgent

Full accounting suite vs focused invoicing tool

Invoa: £7.99/moFreeAgent: £19/mo+VAT

Invoa wins on focus and simplicity. FreeAgent wins on full accounting.

See comparison

Invoa vs Xero

Accountant-focused platform vs freelancer-first tool

Invoa: £7.99/moXero: £16/mo (capped at 20 invoices)

Invoa wins on focus and invoice limits. Xero wins for growing businesses.

See comparison

Invoa vs QuickBooks

US-centric accounting software vs UK-native invoicing

Invoa: £7.99/moQuickBooks: £16/mo

Invoa wins on UK VAT compliance. QuickBooks suits full accounting needs.

See comparison

Invoa vs Wave

US/Canada free tool vs UK-compliant invoicing

Invoa: Free plan availableWave: Free (US-centric)

Invoa wins on UK VAT compliance. Wave is better for non-UK freelancers.

See comparison

Invoa vs Zoho Invoice

Global free tool vs UK-native invoicing

Invoa: Free plan availableZoho Invoice: Free (up to 500 invoices/year)

Invoa wins on HMRC compliance and UK-native design. Zoho's free plan suits high-volume invoicers who don't need UK VAT.

See comparison

Invoa vs Crunch

Accountancy service with software vs focused invoicing tool

Invoa: £7.99/moCrunch: £27+VAT/mo (with accountant) · £10+VAT/mo (software only)

Invoa wins if you need invoicing only. Crunch wins if you want a bundled accountant.

See comparison

Invoa vs Sage

Enterprise-heritage accounting suite vs freelancer-first invoicing

Invoa: £7.99/moSage: From £12/mo+VAT

Invoa wins on simplicity and focus. Sage suits established businesses needing full accounting.

See comparison

Try Invoa free — no credit card required

Start on the free Starter plan and upgrade when you're ready. HMRC-compliant VAT invoices, automatic payment reminders, and client management — built for UK freelancers.

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Free plan available. Upgrade or cancel any time.