Accounting software for freelancers and sole traders

Send invoices and manage finances easily with accounting software for freelancers, sole traders, sole-proprietors, and the self-employed.

A home baker with a freelance business lays pies and quiches out on the kitchen table.

How Xero accounting software helps freelancers, sole traders, and the self-employed

Easy online invoicing and quotes

Send up to 20 invoices and quotes each month with accounting software for freelancers, contractors, sole proprietors, and the self-employed on the Xero Starter plan. Or upgrade your plan to send more.

Track and schedule bill payments

Pay up to five bills a month on the Xero Starter plan. See when bills are due and schedule when to pay them, taking into account when you expect to receive payment of your freelancer or self-employed invoices.

Xero’s accounting software for freelancers and sole traders shows a list of bills for payment along with due dates.

Simple bank reconciliation

Easy online accounting for freelancers, sole traders, and the self-employed with Xero software. Connect your bank account to track the cash coming in and out, and save time on admin. If your self-employed work takes you out and about, reconcile transactions on your phone in spare moments.

Freelancers and sole traders can complete bank reconciliation from their mobile phones with simple accounting software.

Capture bills and receipts with Hubdoc

Automate manual tasks like entering bills and receipts. Key information is extracted from each bill and receipt and sent into the Xero accounting software.

Photo of a cafe receipt taken on a mobile phone ready for adding into Xero.

Start using Xero for free

Access Xero features for 30 days, then decide which plan best suits your business.

Connect Xero to other apps for sole traders and the self-employed

Hundreds of third-party apps integrate with Xero. Find apps for your business at the Xero App Store.

  • App


    Use Oncord to build a content-rich website, grow your customer database, and communicate with email, SMS and social.

  • App


    Use Stripe to accept payments from debit and credit cards, Apple Pay, and Google Pay for online invoices sent from Xero.

  • App


    No more late payments. Automatically debit your customer’s bank account whenever your Xero invoices are due.