Invoicing software for freelancers in Switzerland: which one to choose

You send a handful of invoices a month and want your customers to pay by scanning a QR-bill, without paying for software: look at the free options first. MILQ keeps QR invoices free, with no volume limit, after its 30-day trial; CashCtrl FREE includes QR invoices for one user and one organisation. Both are described below with what they leave out.

You want invoicing plus simple bookkeeping (expenses, VAT, a year-end overview) in one tool: Magic Heidi, LumaBill (from its Pro plan), MILQ, Pfeffersack and To Bill all cover that ground, from CHF 60 a year (Pfeffersack) to CHF 300 a year (To Bill) on yearly plans, according to their own pricing pages.

You run a company with employees and several people in the same account: a full business suite such as bexio or KLARA does payroll and user rights. It costs more and takes longer to learn, but switching to a lighter tool to save a few francs would be a false economy.

You work on site (a trade, repairs, cleaning, gardening) and write your work orders on paper: Fele-facture creates the invoice from your voice or from a photo of the handwritten work order. That is its specific angle; it is not an accounting tool.

We read each vendor's own pricing page on 10 November 2026 and kept only what it states: price, whether the QR-bill is included, the free plan or trial, and the languages it mentions. When a page does not state something, the table says so instead of guessing. The links are in the Sources section at the bottom of this page.

Prices are not shown the same way everywhere: bexio, Infinity and KLARA quote prices excluding VAT; CashCtrl, Magic Heidi and MILQ including VAT; the other pages we read do not say. Many prices also assume a yearly subscription; the monthly price is often higher.

A word on who is writing. This page is published by Fele-facture, one of the ten tools compared. Several Swiss software comparisons are published by one of the tools they rank, which is legal but worth knowing: check the imprint of any comparison you read, this one included. Our French comparison covers more tools, including voice-invoicing apps, with prices read in October 2026: Swiss invoicing software compared (in French).

Listed in alphabetical order, not by preference. “Built for” summarises how each vendor describes its own target users.

“Free” rarely means “free QR-bill without limits”. The limits differ from tool to tool: on the number of invoices, on the total amount invoiced, or on the QR payment part itself.

MILQ: after a 30-day trial with full access, the free version has no expiry date and no volume limit for creating, issuing and cancelling QR invoices and downloading them as a PDF. Sending invoices by email, reminders, quotes, payments and VAT need the subscription (CHF 8 a month). For a freelancer who sends a few invoices and emails the PDF themselves, this is one of the most generous free QR options we found on 10 November 2026.

CashCtrl FREE: QR invoices, debtors and creditors, financial accounting and reports, for one user and one organisation. It is real accounting software, so it asks more of you than a simple invoicing app.

Magic Heidi: the free plan includes every feature, but for 3 invoices and 3 receipts in total, not per month. It is a way to try the app rather than a plan to stay on.

Infinity: a free online QR invoice tool, without an account. To save invoices or add VAT, discounts or a logo, you need an account.

smallinvoice: the Free plan has no time limit until your documents total 70,000, but QR-bills are “Not available” in it.

Fele-facture: the Free plan gives 5 invoices or quotes a month, by voice, photo or keyboard, but without the QR payment part; the QR-bill starts with the Independent plan at CHF 15 a month. Separately, our free QR payment slip generator creates the QR payment part and receipt as a PDF, with no account: it gives the payment slip alone, not the invoice.

bexio and KLARA are among the most complete Swiss business suites: invoicing, accounting, banking, payroll and several users. If you want everything in one place, including salaries, they do more than Fele-facture, and we say so plainly.

bexio Basic costs CHF 35 a month excluding VAT on a yearly plan, or CHF 45 billed monthly, for 1 user; payroll is not available in Basic; from Advanced (CHF 42 a month on a yearly plan, CHF 52 billed monthly, 2 users) it is a paid add-on, from CHF 7 a month for one employee, and it is included in Ultimate. There is no free plan, only a 30-day trial without a card. bexio says its data is stored in Switzerland.

KLARA lists Business BASIC from CHF 48 a month excluding VAT with a two-year commitment (discount code given in a free consultation), CHF 55 on a yearly plan and CHF 69 billed monthly, for up to 3 admin users; a payroll module costs from CHF 3.90 a month per payslip with a Business pack. Whether the QR-bill is included is not stated on the price page we read.

For a freelancer who only sends invoices, a suite like this is usually more than needed. For a company with employees, it is the right category. When bexio remains the better choice, and when an invoicing tool is enough, is set out on our bexio alternative page.

Between a full suite and a pure invoicing app, several Swiss tools combine QR invoices with expenses, VAT and a year-end overview, at freelancer prices.

Magic Heidi (CHF 299 a year or CHF 39 a month, including VAT) adds AI receipt scanning, VAT with the net tax rate method, bank connection and payment matching, unlimited team access, and apps for iPhone, Android, Mac and Windows. It says your data is stored on servers in Zurich.

LumaBill (from CHF 9 a month, or CHF 90 a year) covers invoicing in Starter and double-entry bookkeeping, CAMT bank import and balance sheet reports from Pro (CHF 19 a month). It says it is hosted in AWS Zurich.

MILQ (CHF 8 a month or CHF 84 a year, including VAT) includes receipts, reminders, time tracking, foreign currencies, VAT and year-end closing, with no surcharge per user. It says it is built in Basel, with servers at Infomaniak in Geneva.

Pfeffersack (CHF 60 a year, or CHF 7 a month) is bookkeeping software first, with QR invoices and the VAT return for the federal tax administration's portal. Its website is in German, French and Italian, not in English.

To Bill (CHF 30 a month or CHF 300 a year) has one plan with unlimited users, invoices, expenses and reminders, and an interface in French, German and English.

smallinvoice (Starter CHF 15 a month) is a modular invoicing tool with paid extra users and an API; expenses and accounting come with higher plans.

Fele-facture is a Swiss invoicing app for freelancers, tradespeople and small businesses. You create an invoice or a quote by voice, from a photo of a handwritten work order, or by typing: dictate or take a photo, check, create the PDF. The QR-bill follows the SIX standard with the structured address. It runs on the web, Android (Google Play) and iPhone (App Store), with one account. The interface is in English, French, German and Italian, and invoices can also be issued in Spanish.

Prices: Free plan with 5 invoices or quotes a month, without the QR payment part; Independent CHF 15 a month (25 invoices or quotes, QR-bill included); Unlimited CHF 29 a month; yearly CHF 150 or 290. The full 14-day trial needs no card. From the Independent plan: expenses (photo, PDF or dictation of the receipt), a basic report (income, expenses, estimated profit and estimated VAT balance), an export for your accountant, payment reminders emailed when you tap, and bank statements (camt.053/054 or CSV) read on your device to tick off paid invoices. It is not a connection to your bank. The export for your accountant is not in the iPhone app: use the website or the Android app, same account.

Its limits, stated plainly: Fele-facture is not accounting software. There is no double-entry bookkeeping, no payroll, no official VAT return and no multi-user accounts. The Free plan does not include the QR payment part. Invoices are in Swiss francs only. Data is stored in the EU, in Frankfurt (Supabase database on AWS eu-central-1, Vercel server functions in the fra1 region), not in Switzerland; dictation and photos are processed by US providers. Several tools above store their data in Switzerland, if that matters to you.

A comparison written by a vendor is only useful if it also says when to look elsewhere. These are the cases where we are not the answer.

You keep your own books. We do not do double-entry accounting. CashCtrl FREE covers full accounting at no cost; LumaBill Pro, MILQ and Pfeffersack combine bookkeeping with invoicing at low prices.

You have employees to pay. We do not do payroll. bexio (as a paid add-on from Advanced), KLARA and Infinity do.

Several people work in the same account. We have no multi-user accounts. Magic Heidi Pro, MILQ and To Bill include extra users at no charge; bexio and smallinvoice include them by plan or for a fee.

You send two or three invoices a month and want the QR-bill for free. Our Free plan does not include it; MILQ's free version and CashCtrl FREE do.

Your customer requires an eBill or an XML e-invoice. Fele-facture only produces PDFs; where e-invoicing is required in Switzerland is explained on our page on e-invoicing in Switzerland.

Only the structured address (type S: name, street, number, postcode, town and country in separate fields) has been allowed in a new QR-bill since 22 November 2025. Some banks, including UBS, have refused to pay QR-bills with an unstructured address since 1 October 2026; other banks publish their own dates, and the payer's bank is the one that counts. Version 2.4 of the SIX QR-bill guidelines, valid from 14 November 2026, keeps the structured address as the rule for QR-bills. The dates bank by bank are on our page about the structured address on QR-bills.

Before choosing, or staying with, a tool, ask its vendor one precise question: “Do your QR-bills already use the structured address, type S?” Fele-facture issues type S QR-bills. What a QR-bill contains and how to create one is explained in our guide to the Swiss QR-bill; whether you need a QR-IBAN or a normal IBAN is answered on our QR-IBAN page.

And once the invoice is sent: what Swiss law says about late payment, default interest and reminder fees is on our page about an unpaid invoice in Switzerland.