The 10 Best Apps for Freelancers

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If you’re a freelancer, you’re well aware of the awesome perks of solopreneurship—working in your PJs, freedom and flexibility over your schedule, and the potential to earn more. Conversely, self-employment also comes with downsides.

Primarily, the extra financial housekeeping that’s involved. Sending and managing invoices, saving for self-employed taxes and budgeting on fluctuating income can all make you want to tear your hair out.

To help you manage your business, here are some of the best apps for freelancers.

Top Apps For Self Employed

These days there are plenty of tools and freelance apps to help you manage your finances. If you’ve just started your freelance business or are operating on a tight budget, you may not want to spend too much at first.

We’ve rounded up the best freelance tools for success. Not only do these apps for freelancers have great features to help you with your finances, but they’re free!

1. Axos Basic Business Checking

axos business banking

When I took the leap to full-time freelancing, I walked into the branch of my main bank to inquire about small business accounts.

To my dismay, I’d be charged fees for a small business account.  For obvious reasons, I walked out in search of better options.

To minimize fees, look for a free small business checking account. For instance, come business checking accounts offer unlimited transactions, free bill pay and no ATM fees worldwide.

Remember that the money you save from not having to pay bank fees is money you can invest back into your business.

One option is to use Axos Basic Business checking. It was created with the busy business owner in mind.

They offer no monthly maintenance fees, no minimum deposit requirement and unlimited domestic ATM fee reimbursements. Access your money anytime, anywhere.

Learn more: Axos Bank Review

2. Qapital

Qapital homepage

You know those pesky self-employed taxes that you owe to Uncle Sam each quarter? We all know what a pain in the rear it is to have to sock away a portion from each paycheck.

The easiest way to save for self-employed taxes is to “set it and forget it” with Qapital.

Qapital’s Freelancer Rule enables you to save a percentage of every deposit that’s over $100 into a designated account. That money can be used to sock away toward self-employed taxes or other business-related expenses.

Come quarterly tax time, you won’t come short and have to pay penalties.

3. CIT Bank Savings Connect

CIT Bank Savings Connect Home Page

Because a freelancer’s income can shift wildly from month to month, you’ll need a robust savings account.

While the typical recommended amount is anywhere from three to six months of living expenses, it certainly couldn’t hurt to save more when you work for yourself. If you can, aim to auto-save a portion of your income each month.

CIT Bank Savings Connect is a great option and offers a very competitive APY.

Having a savings account is a great way to save for emergencies. As a rule of thumb, try to have three months of income saved in the event of job loss.

Learn more: CITBank Review

4. IRS2Go

IRS2Go home page

Yup, the IRS has jumped on the app bandwagon. Through its official app, IRS2Go, you can check your tax refund status, make a payment and look for free tax prep services.

While it’s probably an app you’ll only tap into a few times of the year, anything that makes paying taxes easier get a gold star in my book.

5. Toshl Finance

Toshl Finance homepage

I love budgeting—said no one, ever. If you are someone who needs a budget to stay on track, look no further than Toshl. With Toshl Finance you’re able to monitor what goes in and comes out.

It’s way better than using a spreadsheet in Google Drive. It lets you stay on top of your budget in one place with no need to make extra time in your schedule to fill out a budget sheet.

What’s neat and different about Toshl is that you can get very specific with your savings goals.

Features include setting specific amounts for each spending category, such as for health insurance and business expenses. You’ll get a “nudge” once you near your spending limits.

We, freelancers, know how bills can creep up on us, especially when we’re waiting on client payments to come in. Toshl will ping you with reminders for when your bills are due.

6. Fiverr Workspace

Fiverr Workspace

If you’re looking to send out invoices to your clients without spending much time on the task, look no further than Fiverr Workspace, previously known as AND Co. It is one of the top apps for freelancers.

I haven’t run into any problems using Fiverr Workspace. The only downside is that there’s no ACH option. So your clients will need to pay you by check or credit card (fees apply).

Fiverr Workspace is a simple, no-frills way to send invoices to your clients, calculate taxes and track payments so you can see how much you get paid per month.

Other features a simple project management feature, where you can track time and send invoices per project and a basic template for proposals. However, if you need more robust project management features, another tool might be better.

You can also track your expenses by linking different accounts.

Ultimately, this is one of the best freelance apps for any independent contractor.

7. Expensify

Expensify homepage

While there are a slew of financial management apps for expense tracking, if you want an a la carte app solely to track expenses, Expensify does the trick.

This is a platform that allows freelancers to have an affordable way to monitor their spending.

The free version lets you log in your expenses and scan up to five receipts or invoices per month. It’s a great management tool if you don’t want to pay a set fee per month to keep track of your expenses.

8. Toggl

Toggl homepage

I personally track all my work-related tasks, even if I’m not billing by the hour. But if you want a simple way to track your tasks and handle project management, I highly recommend Toggl.

The basic version is free. With this free version, you get reports based on project, client or within a time period.

While a lot of other tools do offer time tracking, Toggl remains my go-to because it’s easy to use. When it comes to time management, this is a must-have app.

It also has an aesthetically pleasing interface and the reports help you gain insights on the time you’re actually spending on tasks.

9. FlexJobs

flexjobs home

FlexJobs offers a quick way to find legitimate contract work as a freelancer. Instead of hunting around to make sure a job lead is real, FlexJobs handles that legwork for you.

Plus, it’s easy to filter out full-time jobs that would cramp your freelance style.

You’ll have to pay a membership fee to join. It offers no free plan. But that could quickly pay for itself if you land jobs through the platform.

Opportunities on this platform include anything from social media to writing to customer service and more.

Learn more: FlexJobs review

10. Upwork

Upwork home

Upwork is a platform that connects businesses with freelancers. It’s easily one of the top apps for freelancers.

You can sign up to be an available freelancer. Depending on your skill set, you might find yourself in high demand on Upwork.

You can sign up as a freelancer to get paid for everything from accounting to writing to social media. The multitude of clients seeking freelance work on this platform means it’s competitive.

That said, setting up a profile could help you land your next gig or connect with potential clients that allow working from home every day.


Managing your finances and trying to make money when you are an independent contractor can be a tough thing to tackle.

Taking advantage of all the best apps for freelancers can help you avoid headaches, time and money.