Free Invoice Generator for Freelancers and Online Sellers

This free invoice generator makes invoices, quotes, proforma invoices, receipts and credit notes as PDF. Pick one of three templates, add your logo, bill in any of 50+ currencies and seven languages, and print a payment link or a scan-to-pay code. No signup, no watermark, no limits: nothing is uploaded, everything stays in your browser.

How to make an invoice in 5 steps

1. Add your details once. Name, logo, address, tax ID and how you get paid are saved in your browser, so the next invoice starts filled in.
2. Pick the client. Saved clients fill in with one click.
3. List the work. Hours, days, words, items or a fixed price. Expenses can be marked tax-free.
4. Set tax and terms. Up to two taxes, a discount, a deposit, Net 7 to Net 60 and an optional late fee. Cross-border B2B work gets the reverse-charge wording.
5. Download the PDF. One click saves it to your downloads, with no print window. The text in the PDF is searchable and can be copied, the table header repeats on every page and no line is split in half.

Three free invoice templates

Every template prints on one A4 or US Letter page with real, selectable text. Switch between them at any time; your details stay put.

Which document do I send?

What to put on a freelance invoice so it gets paid

• A unique, sequential invoice number and the issue date
• Your name or business, address and tax ID (VAT, GST, ABN or EIN where you have one)
• The client's legal name and address, plus their VAT number for EU B2B work
• Clear line items with quantity, rate and amount
• Tax shown separately, or the reason no tax is charged (reverse charge, export of services, not registered)
• A due date, not just "Net 30", and any late fee terms
• Exactly how to pay, and the reference the client should use

How to number invoices

Use one sequence per year and never reuse or skip a number: INV-2026-001, INV-2026-002 and so on. Tax offices in the UK and the EU expect invoice numbers to run in order, and a gap looks like a deleted invoice. Your first invoice can be 001; nobody expects you to start at 1047. Quotes, proforma invoices, receipts and credit notes get their own sequences (QUO, PRO, RCT, CN) so the invoice run stays unbroken. The generator counts up for you, keeps a counter per type and year, and lets you pick the format or add your own prefix under Region → Invoice numbers.

Payment terms: Net 7, 14 or 30?

Net 14 is a sensible default for a new client: long enough to clear their payment run, short enough that you notice a problem early. Use "Due on receipt" for small jobs and for anyone who has paid late before. On projects longer than a couple of weeks, invoice a deposit of 30 to 50% up front and the rest on delivery; the final invoice has a "Deposit paid" line for that. Retainers are billed on the 1st of the month, in advance. Whatever you choose, print the actual date ("Due 28 October 2026"), because the date is what gets typed into their accounting system.

Late fees clients accept

A late fee is a deterrent more than an income line, and it only works if it was on the quote and the invoice before the work started. The usual rate in the US is 1.5% per month (18% a year); some states cap it lower. In the UK, business clients owe statutory interest at 8% above the Bank of England base rate plus fixed compensation of £40 to £100 per invoice, whether or not you printed it. In the EU the Late Payment Directive sets a similar rate (the ECB rate plus 8 points) for business-to-business work. Pick the late fee once and the wording prints on every invoice.

Getting paid by PayPal, Stripe or card without losing the fee

A $500 invoice paid through PayPal in the US arrives as about $482: 3.49% plus $0.49 goes to PayPal. Adding $17.94 to the invoice does not fix it, because PayPal takes a cut of the extra too. The generator grosses the amount up so that what lands in your account is what you quoted: for $500 that is $518.59. Pick the processor under "Who pays the fee?" and the invoice gets a payment processing line; the panel shows what you keep either way. Those are US rates checked 14 October 2026; the PayPal fee calculator has other countries and international payments.

Before you add that line, the rules as of 14 October 2026:

• PayPal. PayPal's US user agreement says you will not add a surcharge for paying with PayPal. A line called "PayPal fee" breaches it. The same applies in most countries where PayPal operates.
• Cards. Surcharges on consumer cards are banned in the UK and the EU and are being removed in Australia. In the US about ten states ban or cap them, and Visa and Mastercard cap them at 3% with advance notice. Commercial cards and business clients are generally allowed, but check the contract.
• Bank transfer, Wise, crypto. No surcharge rules apply, and there is usually no fee to pass on.

The approach that works everywhere: quote the grossed-up amount as the price, keep the processing line neutral, and offer a discount for paying by bank transfer or Wise. The fee panel has a button for that; it adds "Pay by bank transfer by the due date and deduct $18.59" to the notes, in the invoice language. The client picks convenience or the discount, and nobody has been surcharged.

Invoicing clients abroad

Invoice in the currency you agreed with the client; 52 currencies are built in, including USDT, USDC and BTC. If you also want the total in your own currency, set a second currency and a rate under Region and the invoice prints the equivalent and the rate used, so both sides see the same number. Services sold to a VAT-registered business in another EU country, or between the UK and the EU, are usually reverse charged: you don't add VAT, you print both VAT numbers and the reverse-charge statement, which the Tax tab does for you. Services to clients outside the EU and the UK are normally outside the scope of VAT; the "export of services" wording covers that. For the payment, print your IBAN and BIC for SEPA transfers, or your Wise or Payoneer details, and ask for the invoice number as the reference so the money can be matched. The invoice itself can be in English, Spanish, French, German, Portuguese, Italian or Dutch: the labels and the legal wording switch, your own text stays as typed.

Sending the invoice and chasing it

Attach the PDF to a short email: what it is for, how much, when it is due and how to pay. The generator writes that email for you (⋯ → Open in email app, or Copy email text), with the amount, the due date and the payment link filled in. If it isn't paid:

• On the due date: a friendly nudge, in case it is already on its way.
• A week later: ask when to expect it and attach the invoice again. Most late invoices were simply never entered.
• Two weeks later: state how many days overdue it is, that the late fee in the terms applies, and ask them to tell you if anything on the invoice is wrong.

My invoices writes those three reminders for you in that order, and the wording firms up on its own as the days pass. If you got the amount wrong, don't edit the sent invoice: issue a credit note for the difference and a new invoice, so both stay in your records with their own numbers.

Free invoice generators compared

Before building this one we read the pricing pages, app-store reviews and support forums of ten free invoice generators (sources below). Two complaints came up far more than any other: a "free" tool that asks for money or an account at the download step, and invoices that vanished because a save failed or the plan changed. This generator has no account to lose and keeps everything on your device, with a one-click backup file.

Questions freelancers ask

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