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, automatic payment reminders, and UK Open Banking reconciliation 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.
| Feature | Invoa | FreeAgent | Xero | QuickBooks | Wave | Zoho Invoice | Crunch | Sage |
|---|---|---|---|---|---|---|---|---|
| HMRC-compliant VAT invoices | ||||||||
| UK Open Banking (Beta) | ||||||||
| 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, automatic reminders, and Open Banking reconciliation 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 wins on focus and simplicity. FreeAgent wins on full accounting.
Invoa vs Xero
Accountant-focused platform vs freelancer-first tool
Invoa wins on focus and invoice limits. Xero wins for growing businesses.
Invoa vs QuickBooks
US-centric accounting software vs UK-native invoicing
Invoa wins on UK VAT compliance. QuickBooks suits full accounting needs.
Invoa vs Wave
US/Canada free tool vs UK-compliant invoicing
Invoa wins on UK VAT compliance. Wave is better for non-UK freelancers.
Invoa vs Zoho Invoice
Global free tool vs UK-native invoicing
Invoa wins on UK Open Banking and ease of setup. Zoho's free plan suits high-volume invoicers.
Invoa vs Crunch
Accountancy service with software vs focused invoicing tool
Invoa wins if you need invoicing only. Crunch wins if you want a bundled accountant.
Invoa vs Sage
Enterprise-heritage accounting suite vs freelancer-first invoicing
Invoa wins on simplicity and focus. Sage suits established businesses needing full accounting.
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.
Get Started FreeFree plan available. Upgrade or cancel any time.