FreeFinance alternatives
The 5 best FreeFinance alternatives in 2026
The short answer: FreeFinance is solid Austrian cloud accounting — but if you want to write invoices with it, look closely. The cheap Business package cannot write invoices; invoicing starts in the Plus package at €25 net per month (€22 on a 36-month term), prepaid and with no monthly billing. If you mainly want to write invoices and have dunning run automatically, Billy (from €9/month, cancellable monthly) is our pick — it is our own product, and below we are transparent about where it wins and where it does not.
This roundup covers all five serious options — with verified pricing (as of July 2026), honest weaknesses and a clear "best for" per tool.
All alternatives at a glance
| Billy | ProSaldo.net | kalkül | sevDesk | Runple | |
|---|---|---|---|---|---|
| Best for | Invoices from AI prompts & automatic dunning | Bookkeeping with UVA & FinanzOnline, cheaper entry | Free BAO-compliant invoicing, Austria only | Accounting & e-invoicing in the DACH region, native apps | Trading with inventory; free tier with real dunning |
| Document limit | from 50/month; unlimited on Pro | Unlimited invoices (all plans) | No limit — core features permanently free | Free: 3 invoices/month; paid unlimited | Free: 5/month; Basic: unlimited |
| Price | from €9 / month | from €9 / month (annual) or €10 monthly | core free; supporter tier (price not public) | from €12.90 / month; free tier: 3 invoices/month | Free (5 invoices/month); Basic €19.90, Standard €29.90 |
| Invoice from AI prompt | Yescore feature | No | Nono AI features | No | No |
| All features via AI assistant | Yesassistant reaches every feature | Nobooking suggestions & OCR only | No | Nosuggestions only (receipts, bookings) | NoAI for incoming documents only |
| Professional templates | Yesdesigned templates | PartiallyBASIC: fixed layout; designer from PLUS | Partiallydesign for paying supporters only | Yes11 layouts, 6 of them Premium | Partiallybranding even on the free plan |
| Live preview | Yes | NoPDF preview in a new window | Partiallyin the design editor, not the invoice form | – | – |
| Recurring invoices | Yesset up in one sentence | Partiallyfrom PLUS; creates drafts | – | Yes | PartiallyStandard (€29.90) and up |
| Automatic email sending | Yesinvoices & reminders, from the entry plan | Noreminders manual per open item | Noreminders sent manually | Partiallyseries invoices optionally automatic; dunning manual | Partiallydunning yes (3 stages); series dispatch not documented |
| Bookkeeping | Nodeliberately not | Yescash-basis from GO, UVA filing from PLUS | Partiallycash-basis statement free | Yesin the accounting plan | Yescash-basis free, UVA from Standard |
| E-invoicing | NoPDF invoices | PartiallyebInterface to the federal gov., all plans | Nonot offered | Yeseven in the free tier | Nonot offered |
All pricing and feature claims per the vendors, verified on August 2, 2026. Prices net; subject to change.
Billy
The AI invoicing appBilly is the alternative for everyone who really only considered FreeFinance for invoicing — and wants neither €25 a month nor a year’s prepayment for it. The AI assistant creates invoices, quotes and reminders from one sentence, sends them after your confirmation, and chases late payers automatically on a schedule — no dunning run you have to start yourself. From €9 a month, cancellable monthly, Austria AND Germany in one account.
Full transparency, since Billy is our product: it is deliberately NOT accounting software — cash-basis accounting, UVA and FinanzOnline are absent. And unlike FreeFinance, Billy creates no e-invoices: no ebInterface, no XRechnung, PDF only.
Strengths
- Invoices from an AI prompt — none of the other tools here can (as of July 2026, per their own sites)
- Automatic dunning from the entry plan — runs on a schedule by itself, no manual dunning run
- Austria AND Germany in one account (§11 öUStG / §14 UStG)
- Professionally designed templates with live preview
- Cancel monthly instead of 12- or 36-month prepayment
Weaknesses
- No bookkeeping: cash-basis accounting, UVA and FinanzOnline are deliberately absent
- No e-invoicing — no ebInterface either, PDF only
- No permanent free plan (7-day trial, no credit card)
- Web app rather than a native mobile app
ProSaldo.net
The Austrian accounting classic (Visma)ProSaldo.net (a Visma product) is the most direct FreeFinance alternative in the accounting camp — with a decisive price advantage at entry: invoicing is already in the BASIC plan from €9 net billed annually (€10 monthly), where FreeFinance only writes invoices from €25. Cash-basis accounting comes with GO, UVA filing to FinanzOnline with PLUS.
The trade-offs: reminders are sent manually per open item (not even as a bulk run like FreeFinance’s), the BASIC layout is fixed and not editable, recurring invoices need PLUS and OCR needs the GO plan. ProSaldo.net does not create e-invoices like FreeFinance does.
Strengths
- Invoicing already from €9 net (annual billing) — a much cheaper entry than FreeFinance
- Deeply Austrian: cash-basis accounting from GO, UVA straight to FinanzOnline from PLUS
- Established vendor (Visma)
- 30-day trial
Weaknesses
- Reminders only manually per open item
- BASIC layout is fixed and not editable; layout designer only from PLUS
- Recurring invoices only from PLUS, OCR only from GO
- Austria only — Germany is not served
kalkül
The free tool from Linzkalkül is the counter-programme to FreeFinance: instead of a prepaid accounting bundle, its core features are permanently free — invoices, the small-business rule, BAO compliance and even cash-basis accounting. The Linz-based vendor commits to keeping existing accounts’ free features free.
In return it lacks almost everything that distinguishes FreeFinance: no UVA filing, no e-invoicing, no AI features. Reminders are sent manually, colors and layout are reserved for paying supporters (subscription price not public), and kalkül states an explicit focus on Austria.
Strengths
- Core features permanently free — including cash-basis accounting and the small-business rule
- BAO-compliant invoices for Austria
- Logo upload included in the free scope
- Vendor commits to keeping existing accounts’ free features free
Weaknesses
- No AI features; reminders only manually
- Colors & layout for paying supporters only — subscription price not public
- No UVA filing, no e-invoicing, Austria only
sevDesk
The DACH accounting incumbentsevDesk is the best-known accounting name in the DACH region, with a dedicated Austrian offering (sevdesk.at). Interesting for FreeFinance switchers: the "Rechnung" plan starts at €12.90 net (12-month billing), the free tier allows 3 invoices per month, and e-invoicing is included even for free. Add native iOS and Android apps.
Dunning stays manual: reminders are sent by hand per invoice, and dunning levels need the accounting plan. sevDesk’s "AI" means receipt capture plus a support chatbot — no invoice creation.
Strengths
- Dedicated Austrian offering (sevdesk.at) plus wide DACH adoption
- E-invoicing even in the free tier (3 invoices/month)
- Native iOS and Android apps
- Cheaper entry with invoicing than FreeFinance (€9.90 vs. €25)
Weaknesses
- Reminders manual per invoice; dunning levels need the accounting plan
- Custom layout only as a paid service; colors from a palette only
- AI is limited to receipt capture and a chatbot
Runple
The Austrian business suiteRunple is an Austrian business suite with inventory and warehousing — and on one point it is ahead of everyone else here: even its free tier (5 invoices/month) runs automatic 3-stage dunning, where FreeFinance makes you start every dunning run yourself. Receipt capture and custom branding are free too.
In return, Runple is a trading-focused suite: for pure service businesses that breadth is dead weight. Recurring invoices need the Standard plan (€29.90), Runple creates no e-invoices like FreeFinance does, and Germany is not served (Austria focus, no DATEV).
Strengths
- Free tier: 5 invoices/month with automatic 3-stage dunning
- Receipt capture and custom branding even on the free tier
- Full inventory management for trading businesses
- Austrian vendor
Weaknesses
- Recurring invoices only from Standard (€29.90)
- No e-invoicing
- Suite breadth is dead weight for pure service businesses
- No Germany (Austria focus, no DATEV)
How we evaluated
All pricing and feature claims come from the vendors’ own pricing and help pages, last verified on 31 July 2026 — including the inconvenient details like tier gating and dunning limitations. Where a vendor does not document something, we do not claim it. Billy is our own product: we rank it #1 for the use case it is built for, and we state its weaknesses as plainly as everyone else’s.