Zoho Invoice is free with no cap on the number of invoices and grows with your business: when you need more, the path to Zoho Books is smooth. PDFs look clean and professional without any configuration. Weak spots: no deposit field, the timer breaks when you use the app and the web at the same time, and template customization is minimal.
評価点：Completely free with no invoice limits, clean PDF output, and a direct migration path to Zoho Books when you outgrow it.
不満点：No deposit payment field, the timer conflicts when running both the mobile and desktop clients simultaneously, and template customization is very limited.
向いている人：Early-stage entrepreneurs and solo operators who need a professional-looking invoice without paying for a subscription.
Zoho Invoice Generator is a free invoice maker from Zoho, which is itself a strong market position. It handles the basics: line items, tax, PDF, sending. Downsides: you can't split tax rates on a single invoice (for example, different rates for goods and labor), the item list doesn't support deactivating entries (only a workaround in settings), and there's no client signature field. Sharing the PDF directly to WhatsApp requires an extra step.
評価点：Completely free with no invoice cap, clean PDF output, and quick to start without entering a card.
不満点：A single tax rate applies to the whole invoice you can't set different rates for goods and services in the same document.
向いている人：Freelancers and small contractors who need a free tool with no subscription and no complexity.
The app has real depth: photos attached to individual line items, signature on delivery, and multiple send channels. But estimate-to-invoice conversion in one tap still hasn't shipped, and there's no deposit payment mechanism that carries over to the final invoice contractors with multi-stage payments have to do it by hand.
評価点：A photo on each line item builds client confidence by showing exactly what they're paying for, multiple send channels, and a signature-on-delivery feature.
不満点：No deposit payment that rolls into the final invoice, no convert-estimate-to-invoice button, and payment gateway data sometimes conflicts with the user's own settings.
向いている人：Contractors and service businesses with straightforward single-stage billing who want to show clients photos of the completed work.
Easy Invoice Maker is simple and fast for the basic case. It supports multiple service types (lawn care, handyman work) with separate tax rates uncommon flexibility. But: landscape mode was removed in an update (iPad users are frustrated), logos sometimes don't show up on the client's end, and there's no way to export a period report to PDF or Excel for tax purposes. The built-in mechanism for collecting five-star reviews using AI-generated text is a reputational risk.
評価点：Multiple service types with different tax rates on one invoice, and an intuitive interface with no unnecessary steps.
不満点：Landscape mode was removed in an update, breaking the workflow for iPad users. No summary report export for tax purposes.
向いている人：Self-employed workers with multiple service types (like lawn care and repairs) who need a simple invoice with split tax rates.
Wave used to be the gold standard for free small-business accounting, but after a monetization pivot most features moved behind a paywall. The remaining free tier is too thin for real work. The desktop version is significantly more capable than the mobile app.
評価点：Invoice and estimate creation works well: professional PDFs, built-in late-payment reminders for clients, and a notification when a client opens an invoice. Accountants note that the bookkeeping logic is cleaner and more correct than QuickBooks.
不満点：The mobile app is a stripped-down shell: account balances are unavailable without desktop, and categorizing transactions requires scrolling the entire list from the top after each save. Bank transaction sync breaks periodically and support goes quiet.
向いている人：Freelancers and micro-businesses who need integrated bookkeeping and invoicing in one place and are okay working mostly through a browser.
