Calculator · every rate read from the vendor's own US page
Eighteen routes, priced against each other at your invoice size. Move the sliders and watch one of them stop growing.
a year
a year
Past $625, the bank transfer stops charging you more. Stripe caps it at $5 however large the invoice gets. Every card route on this page keeps climbing forever. That single line is most of what this site has found.
Processing is half the bill. These send the invoice — and on the cheapest routes above, the subscription is the larger number.
| Invoicing tool | Free plan | Cheapest paid | The catch |
|---|---|---|---|
| Zoho Invoice | Yes — 0% of payments | — | Annual invoice cap, number unpublished |
| PayPal Invoicing | Yes — no monthly fee | — | Its own button costs 0.5% more than a card |
| Invoice Ninja | Yes — 5 clients | $140/yr | Its name on your invoice; reminders are paid |
| Wave | Yes — with bookkeeping | $190/yr | 2.9% + 60¢ on cards; US/Canada only |
| Square Invoices | Yes — unlimited | $588/yr | 3.3% + 30¢ online — highest of the four |
| Stripe Invoicing | No — 0.4% per invoice | — | Stacks on 2.9% + 30¢ |
| FreshBooks | No — 30-day trial | $276/yr | Metered on clients; your 6th costs $240/yr |
Every figure here was read by hand from the vendor's own United States pricing page in August 2026, and each one reproduces a figure published in one of these:
The mix is not identical to those articles. The card-processing article tables twenty routes and stops at card processors, so it carries four bank transfers this calculator leaves out; this calculator adds Wise and Payoneer, which that article costs separately.
Disclosure. Wise approved our affiliate application on 27 August 2026 and pays us through a marked link on another page. There is no affiliate link on this page. Wise is the cheapest overseas route in the table above, so weigh that row knowing we now stand to gain from it; the domestic table is led by a bank transfer nobody pays us for. SimplyBook.me is unapproved; FreshBooks and Square both declined ours, and none of them has paid us anything.