Free invoicing software
Free invoicing software, built to actually stay free
Send unlimited professional invoices, accept low-cost bank or card payments, and keep every byte of your data — for $0 a month. No trials, no feature paywalls, no surprise $19 bill.
Unlimited invoices & clients · $0 subscription · low-cost ACH · own your data
Invoice #1042
$1,000
- Paid by
- Bank transfer (ACH)
- Processing fee
- $4
- You keep
- $996
PayNugget is free invoicing software for US small businesses: there is no monthly subscription to create and send invoices. You can send unlimited invoices to unlimited clients for $0/month and only pay a small processing fee when a client pays you online — and low-cost ACH bank payments cost a fraction of cards. An optional Pro plan is $12/month for power features.
What 'free' adds up to
Free that stays free, in four numbers
No monthly bill, no caps, low-cost bank payments, and your data in one click. That's the whole deal.
- Monthly subscription, forever
- $0
- Invoices and clients
- Unlimited
- ACH fee on a $1,000 invoice
- ~$4
- Export all your data
- 1-click
Why most 'free' invoicing tools aren't
The honest definition of free
Plenty of invoicing apps advertise a free plan. Then the bank-payment option is locked behind an upgrade, recurring invoices cost extra, your reports are blurred until you pay, and exporting your own clients requires a paid tier. Wave — long the default free option for US small businesses — now charges $19/month for the features people relied on.
PayNugget takes a different stance. Creating invoices, sending them, and getting paid are free at $0/month with no usage caps. We make money the same way you do — only when an invoice gets paid — through a small processing fee, with low-cost ACH as the default.
We win when you get paid, not when you hit a paywall.
What's included free
Everything you need to invoice and get paid
No locked features on the core workflow. This is the free plan, in full.
Unlimited professional invoices
Branded, itemized invoices with your terms, tax, and a secure pay-now link — sent in minutes, with no cap on how many you send or how many clients you add.
See invoicingLow-cost ACH & card payments
Let clients pay straight from their bank for roughly $4 on a $1,000 invoice instead of card-level fees — and accept debit and credit cards when they prefer them, with no subscription on top.
Learn moreRecurring & repeat billing
Re-bill retainers and subscriptions on a schedule so nothing slips through the cracks, and duplicate past invoices for repeat clients in a click.
Learn moreOwn your data, get real support
Download your clients and invoices anytime — you own your data, there is no lock-in — and reach a real person who can help, the thing free invoicing tools almost never offer.
Learn moreHow it works
From signup to paid in three steps
No setup fee, no credit card to start. Send your first free invoice today.
Create a free account
Sign up in under a minute — no credit card required. Add your business name and logo.
11Build and send your invoice
Add line items, tax, and terms, then email a professional invoice with a pay-now link.
22Get paid by ACH or card
Clients pay online. ACH costs a fraction of cards, so more of every invoice stays with you.
33
Free invoicing software vs Wave
Free that stays free
How PayNugget compares to Wave on the things that turn a 'free' tool into a paid one.
| Feature | PayNugget | Wave |
|---|---|---|
| Monthly subscription | $0 — invoice and get paid free | $19/month for core features |
| Unlimited invoices | Yes, on the free plan | Tied to the paid plan |
| ACH bank payments | Yes — low cost (~$4 on $1,000) | Behind the paid plan |
| One-click data export | Always free, no lock-in | Plan-gated features |
| Human support | Included | Limited — a long-standing complaint |
The verdict: If you want to send unlimited invoices, get paid by low-cost ACH, and keep your data without a monthly bill, PayNugget is the free plan that doesn't quietly turn paid.
Keep exploring
Related tools, comparisons & use cases
See the alternative, try the free tools, or find your line of work.
PayNugget vs Wave
The full side-by-side after Wave moved core features behind $19/month.
Free invoice generator
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Low-cost ACH payments
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Invoicing for freelancers
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Free invoicing software: frequently asked questions
Straight answers on pricing, payments, limits, and your data.
- Is PayNugget invoicing software actually free?
- Yes. There is no monthly subscription to create and send invoices. You can send unlimited invoices to unlimited clients for $0/month. You only pay a small processing fee when a client actually pays you online, and ACH bank payments cost far less than cards.
- What's the catch with free invoicing software?
- With most 'free' tools the catch is data lock-in, paywalled features, or no support. PayNugget avoids all three: one-click export of everything you own, the core invoicing and payments features stay free, and you can reach a real human when you need help.
- Can I send unlimited invoices for free?
- Yes. There are no caps on invoices, clients, or line items on the free plan. Send as many professional invoices as your business needs without ever hitting a paywall.
- How do I get paid through PayNugget?
- Every invoice includes a secure pay-now link. Clients can pay by ACH bank transfer (the lowest-cost option, roughly $4 on a $1,000 invoice) or by debit/credit card. Funds are deposited to your connected US bank account.
- Do I need a credit card to start?
- No. You can create an account and send your first invoice without entering any payment details. You only connect a bank account when you want to start collecting payments.
- How is free invoicing software different from Wave?
- Wave moved its core features behind a $19/month plan. PayNugget keeps invoicing and getting paid at $0/month, leads with low-cost ACH bank payments, gives you one-click data export with no lock-in, and includes real human support.
- Is my invoice data safe and exportable?
- Yes. You own your data. Export your customers and invoices in one click at any time, in standard formats, so you are never locked in to PayNugget.
Start sending free invoices today
No subscription, no credit card to start, low-cost ACH, and you keep your data.