MoneyCalc Desk

Free invoice generator for freelancers

Fill in the form on the left and the invoice updates on the right. When it looks right, press Print and choose "Save as PDF". Your details stay in this browser.

What a professional invoice needs

An invoice is both a request for payment and a financial record. A good one removes every reason for a client to delay: it says what was done, what it costs, who is paying, when payment is due and how to pay. At minimum include:

Getting paid faster

Send the invoice the day the work is delivered. Shorter terms (7 to 14 days) are paid sooner than 30-day terms, and stating a late fee in advance, for example 1.5% a month, gives clients a reason to prioritise you. Always put the payment details directly on the invoice so nobody has to ask.

Sales tax and 1099 reporting

Whether you charge sales tax depends on your state and what you sell: most states do not tax pure services, while many tax digital goods and some tax specific services. If a client pays you $600 or more in a year for services, they may need to send you a Form 1099-NEC, so keep your invoices consistent with what you report as income.

Keep the money for taxes

Each paid invoice is income that carries self-employment tax and income tax. Setting aside a percentage when you are paid avoids a nasty surprise in April. Our freelancer tax calculator estimates how much to keep from each invoice, and the quarterly deadlines planner shows when estimated payments are due.

Privacy

This tool runs entirely in your browser. Your draft is saved only in this browser's local storage so you can come back to it, and the Clear button removes it.

Sources

Last reviewed 2026-11-09. General information for planning only, not tax, legal or financial advice. Nothing you enter leaves your browser.

More tools

EITC Eligibility Checker (2026)

Step-by-step questionnaire

Answer a few questions to see whether you may qualify for the 2026 Earned Income Tax Credit and get a rough credit estimate.

Filing Status Finder

Decision tree

Follow a short decision tree to find the right federal filing status: single, married filing jointly or separately, head of household or qualifying surviving spouse.

Freelance Proposal and Agreement Generator

Document builder with clause toggles

Build a freelance project proposal with scope, timeline, pricing and optional clauses. Copy the text or print it as a PDF.