Managing your finances is one of the trickiest parts of working remotely especially when you’re juggling multiple clients, currencies, and tax requirements from different locations. The right accounting and invoicing tools can make all the difference, helping you save time, stay organized, and get paid faster.
Below is a curated list of some of the best tools remote workers and digital nomads use to keep their accounting and invoicing in check whether you’re freelancing from a beach in Bali or running a remote business from a café in Lisbon.
1. FreshBooks — Best All-Around for Freelancers & Solopreneurs
FreshBooks is one of the most popular cloud accounting solutions for remote professionals. It offers everything from professional invoicing to expense tracking and time management — all in one platform.
Why it’s great
– Custom invoicing and recurring billing
– Automated payment reminders
– Expense tracking and reporting
– Time tracking (great for freelancers billing hours)
Ideal for: freelancers, consultants, and small service-based businesses
2. QuickBooks Online / QuickBooks Solopreneur — Best for Full Accounting
QuickBooks is a comprehensive cloud accounting platform widely used by remote workers and small businesses alike. It covers invoicing, expense tracking, tax organization, and more.
Key benefits
– Detailed financial reporting
– Tax planning and filing support
– Seamless bank and payment integrations
– Scales from solo operators to teams
Best for: freelancers who want full accounting power and tax tools
3. Wave Accounting — Best Free Accounting Tool
Wave is a completely free accounting and invoicing software, perfect if you’re just getting started or want a no-cost solution that still packs essential features.
Why people love it
– Unlimited free invoicing
– Expense tracking included
– Accept payments via card or bank
– Basic financial reports
Ideal for: freelancers, digital nomads on a budget
4. Xero — Best for International Freelancers & Teams
Xero is a powerful cloud accounting tool known for its beautiful interface and strong automation features. It’s especially useful if you deal with multiple currencies or growing remote businesses.
Standout features
– Multi-currency support
– Real-time financial dashboards
– Extensive integrations with apps like Stripe and PayPal
– Unlimited users
Best for: nomads with global clients or remote teams
5. Zoho Invoice — Best Affordable Invoicing Tool
If you need streamlined invoicing without the bells and whistles of full accounting software, Zoho Invoice is a solid choice. You get professional invoices, time tracking, and multi-currency billing often with generous free plans.
Highlights
– 1,000 free invoices per year
– Time tracking included
– Integrates well with other Zoho apps
– Works on web and mobile
Good for: freelancers and small businesses with frequent invoicing needs
6. Bonsai — Best All-in-One Freelance Business Tool
Bonsai combines invoicing with proposals, contracts, and client management, making it great for freelancers who want everything in one place.
Why it stands out
– Professional invoices and contracts
– Automatic reminders
– Payment collection built in
– Simple client dashboard
Perfect for: freelancers who want administrative workflows automated
7. Invoice2go — Great Simple Invoicing & Expense Tool
Invoice2go is a straightforward invoicing solution that’s especially popular with small business owners and remote professionals who want simplicity without complexity.
Good to know
– Easy invoicing on mobile or desktop
– Expense tracking
– Selectable subscription levels based on your needs
Best for: professionals who just want clean, efficient invoicing
8. Remotify — Ideal for Digital Nomads
Remotify is specifically designed for digital nomads who deal with international clients and multiple currencies. It’s less mainstream than other tools but focuses on global invoicing and payment simplicity, a real advantage when you’re constantly on the move.
Best features
– Supports multi-currency invoicing
– Simplifies cross-border payment processing
– Intuitive, easy-to-use dashboard
Best for: digital nomads earning in different countries
How to Choose the Right Tool for You
Here’s a quick way to decide:
🔹 If you want all-in-one accounting
➡️ FreshBooks, QuickBooks, Xero
🔹 If you want free or lightweight tools
➡️ Wave, Zoho Invoice
🔹 If you want freelancer-focused solutions
➡️ Bonsai, Invoice2go
🔹 If you’re a global digital nomad
➡️ Remotify, Xero
Final Thoughts
Efficient accounting and invoicing not only help you get paid faster but also ensure you stay on top of tax reporting, budgeting, and financial clarity.
Whether you’re just starting out or scaling your remote business, the right tools can save you hours of admin every month.
Working Remotely Tools is here to help you find the best options for your lifestyle, so you can spend less time on finances and more time doing what you love 🌍💡.
