Invoicing and Accounting Tools Directory
8 invoicing and accounting tools for tarot and astrology practitioners. 2026 pricing, free tiers, time tracking, multi-currency table.
This directory covers eight invoicing and accounting tools relevant to tarot readers, astrologers, and esoteric service practitioners in 2026. For a deeper comparison of the top options, see invoicing tools for spiritual practitioners.
All prices as of mid-2026. Verify current before committing.
Full Comparison Table
Tool | Monthly Price | Free Tier | Unlimited Invoices | Unlimited Clients | Time Tracking | Multi-currency | Best For |
|---|---|---|---|---|---|---|---|
Zoho Invoice | Free | Yes | Yes | Yes | Yes | Yes | Solo practitioners; no budget; most features free |
Wave (Free) | Free | Yes | Yes | Yes | No | Limited | Simple invoicing; manual bank import |
Wave Pro | $19/mo | No | Yes | Yes | No | Limited | Auto bank sync + receipt OCR added to Wave |
FreshBooks Lite | $23/mo (annual) | No | Yes | No (5 clients) | Yes | Yes | Time-tracking freelancers; up to 5 active clients |
FreshBooks Plus | $33/mo (annual) | No | Yes | No (50 clients) | Yes | Yes | Growing practice; recurring billing |
FreshBooks Premium | $60/mo (annual) | No | Yes | Yes | Yes | Yes | High-volume or multi-practitioner |
Stripe Invoicing | 0.4% per invoice (cap $2) | With Stripe account | Yes | Yes | No | Yes | Already processing payments on Stripe |
QuickBooks Simple Start | $35/mo | No | Yes | Yes | No | Limited | US full accounting; tax prep integration |
Tool Profiles
Zoho Invoice
Completely free - no hidden limits on invoices or clients. Includes time tracking, multi-currency, recurring billing, expense tracking, and a client portal. Payment integrations with Stripe, PayPal, and Square. The free model is permanent, not a trial.
Why it's free: Zoho made it free in 2022 as a small-business initiative. The product is a client acquisition tool for their broader software suite - not ad-supported or feature-locked.
Source: zoho.com/us/invoice/pricing (official); temperstack.com (April 2026).
Wave
Free plan covers unlimited invoices and unlimited clients with manual bank import (CSV upload). The Pro plan at $19/month adds automatic bank transaction sync via Plaid, OCR receipt scanning, and auto-categorization.
Payment processing fees apply on all plans: credit card ~2.9% + $0.60/transaction; ACH bank transfer ~1%, minimum $1. The $0.60 per-transaction flat fee is higher than Stripe's $0.30.
Source: checkthat.ai/brands/wave/pricing (2026); invoicetoolsreview.com (2026).
FreshBooks
The time-to-invoice workflow is the FreshBooks differentiator: a built-in timer logs hours by client and converts them to invoice line items with one click. Three tiers:
- Lite ($23/mo annual): 5 billable clients
- Plus ($33/mo annual): 50 clients, recurring billing, client retainers
- Premium ($60/mo annual): unlimited clients, profitability reports
Note: Lite pricing has appeared as $19/month in some sources. Verify at freshbooks.com before committing.
Source: saasworthy.com/blog/freshbooks-pricing-plans (2026).
Stripe Invoicing
A bolt-on to an existing Stripe account, not a standalone product. Starter plan: 0.4% per paid invoice, capped at $2, on top of Stripe's standard 2.9% + $0.30 card processing fee. Plus plan: 0.5% per invoice, capped at $2.
No time tracking, no estimate workflow, no client management layer. Built for SaaS and developer billing rather than service freelancers. The right tool only if you're already inside Stripe's ecosystem and want invoicing without adding another platform.
Source: support.stripe.com/questions/stripe-invoicing-pricing (official).
QuickBooks Online (Simple Start)
At $35/month, the cheapest QuickBooks tier costs more than FreshBooks Lite and substantially more than Zoho. The reason to pay it: QuickBooks is the accounting software most US-based bookkeepers and accountants work in natively. If you're handing your books to a professional at year-end, there may be friction savings in using the tool they expect.
For invoicing-only use without an accountant relationship, QuickBooks is expensive relative to alternatives with similar features.
Source: waffleinvoice.com/blog/stripe-invoicing-alternatives-for-freelancers (2026).
Bonsai
Bonsai combines contracts, proposals, invoicing, and time tracking in one tool - useful for practitioners who want signed agreements alongside billing. Pricing varies by plan; verify current at hellobonsai.com. Listed in 2026 freelancer tool comparisons as a strong all-in-one alternative to FreshBooks.
Source: jobbers.io/freshbooks-vs-quickbooks-vs-wave-vs-bonsai-true-cost-comparison-for-freelancers (2026). Verify current pricing at hellobonsai.com.
Quick Selection Guide
Zero budget, full features needed: Zoho Invoice (free, unlimited everything)
Simple invoicing, already using Wave for payments: Wave free tier
Bill hourly and need time tracking: FreshBooks Lite ($23/mo) or Plus ($33/mo)
Already on Stripe: Stripe Invoicing Starter (0.4% per invoice, capped $2)
Working with a US accountant: QuickBooks Simple Start ($35/mo)
Need contracts + invoicing in one place: Bonsai (verify current pricing)
Related Reading
- Invoicing tools for spiritual practitioners - detailed comparison of the top options with use-case analysis
- Payment processors for spiritual businesses - payment processing fees compared
- Taxes for tarot and astrology readers - how invoicing records feed your annual tax filing