Which one is right for you?

Tallymark vs FreshBooks.

Key takeaways.

  1. 01Tallymark is the better fit if you want to invoice clients for free. FreshBooks is the better fit if you need expense and time tracking in one app.
  2. 02Tallymark is free. FreshBooks starts at $23/month for up to 5 clients, and charges $11/month per team member.
  3. 03Tallymark connects to your own Stripe account. In the US and Canada, FreshBooks requires FreshBooks Payments.

Why choose Tallymark over FreshBooks.

Free, not $23/month.Every feature, free. FreshBooks Lite is $23/month before add-ons.
No client or team limits.FreshBooks Lite stops at 5 clients, archived ones included, and charges $11/month per team member.
Charge saved cards, no add-on fee.Turn on AutoPay and invoices pay themselves. In FreshBooks, charging a saved card yourself costs $20/month plus 3.5% + 30¢ per payment.
Bring your own Stripe account.Keep the Stripe account you have, wherever you are. In the US and Canada, FreshBooks requires FreshBooks Payments.
Sales pages, not just checkout links.Sell services, packages, and digital downloads from one link, with custom fields, discounts, and subscriptions.
Lower Amex fees.Stripe's standard 2.9% + 30¢ on Amex, instead of FreshBooks' 3.5% + 30¢.
FeatureTallymarkFreshBooks
PriceFree$23/mo
Card fee2.9% + 30¢2.9% + 30¢
Amex fee2.9% + 30¢3.5% + 30¢
Fee to charge a saved card yourself2.9% + 30¢3.5% + 30¢
Connect your own Stripe accountYesOutside US and Canada
Unlimited clientsYes5 max
Unlimited invoicesYesYes
Recurring invoicesYesYes
Charge saved cards yourselfYes$20/mo
Custom logo and colorsYesYes
Multiple usersYes$11/mo per user
Sales pages and digital downloadsYesCheckout links only
Expense trackingNoYes
Time trackingNoYes
FreshBooks Lite regular pricing in USD from freshbooks.com as of October 2026. FreshBooks currently offers new customers Lite at $1/month for the first 12 months. Card fees shown for US cards.

Which one is right for you?

Choose Tallymark if...
  • You don't want to pay a monthly fee to send invoices.
  • You have more than 5 clients, or plan to.
  • You want to charge cards on file without paying for an add-on.
  • You already use Stripe, or want to.
  • You sell packages, products, or digital downloads.
  • Your accountant handles the books, or you already use accounting software.
Choose FreshBooks if...
  • You want invoicing and expense tracking in a single app.
  • You bill by the hour and need built-in time tracking.
  • You need mileage tracking.

The bottom line.

For freelancers and small businesses focused on getting paid, Tallymark is the better choice. It's free, it has no client limits, and charging cards on file doesn't cost extra. If you need expense and time tracking in one place and don't mind paying $23/month or more, FreshBooks is a solid pick.

Frequently asked questions.

What is Stripe?

Stripe is a payment processor used by millions of businesses. It charges your client's card, runs security and fraud checks, and sends the money to your bank account.

How does payment processing work?

When a client pays an invoice by card, a payment processor charges the card and deposits the money in your bank account, minus a fee. Tallymark uses your own Stripe account, which you can also connect to other apps and keep if you ever switch. In the US and Canada, FreshBooks uses FreshBooks Payments, which only works inside FreshBooks.

Do I need a Stripe account to use Tallymark?

You don't need a Stripe account to create and send invoices. You only need one to accept card or online payments, and it's free to create.

Is Tallymark really free?

Yes. Tallymark has no monthly fees and no percentage fees. You only pay Stripe's standard processing fees on your own account.

Is there a limit on clients or team members?

No. Tallymark includes unlimited clients, invoices, and users. FreshBooks Lite is limited to 5 clients and charges $11/month per team member.

Does Tallymark have time or expense tracking?

No. Tallymark focuses on invoices, subscriptions, sales pages, and payments. If you bill by the hour and need built-in time tracking, FreshBooks is the better fit.
No monthly fees. No percentage fees. Unlimited everything. Create a free account