Cosmobill vs.
FreshBooks

A straight, feature-by-feature look at how the two compare - pricing, invoicing, payments, and everything in between. Every Cosmobill claim here is enforced in the product; every FreshBooks data point is sourced from freshbooks.com's own pricing/feature pages.

Start invoicing free See all Cosmobill features

Free plan

Cosmobill Comet

5 invoices/mo, unlimited saved clients, estimates/time/expenses/attachments/multi-business all included - free forever

Entry tier

FreshBooks Lite - $23/mo

No free plan - only a 30-day trial. Lite caps you at 5 billable clients and locks out proposals, retainers, e-signatures, and accounting reports

FreshBooks doesn't have a free plan at all - its cheapest option is $23/mo and still caps you at 5 clients, the same limit Cosmobill's free plan has. See the full table below for everything else.

Pricing & limits

Feature	Cosmobill	FreshBooks
Free plan FreshBooks has no free tier at all - only a 30-day free trial, after which you must pick a paid plan to keep using it. Cosmobill's Comet tier is free indefinitely, not a trial.		–
Billable clients on cheapest paid plan FreshBooks' entry Lite plan still caps you at 5 billable clients - the same limit Cosmobill's free Comet plan has, except Cosmobill's is free and FreshBooks' costs $23/mo.	Unlimited (even free)	5 clients (Lite, $23/mo)
Cheapest paid plan	$5/mo (Planet)	$23/mo (Lite)
Unlimited invoices AND unlimited clients on one plan FreshBooks ships unlimited invoices on every plan including Lite, but only removes the client cap at its $70/mo Premium tier - Lite and Plus stay capped at 5 and 50 clients respectively no matter how few invoices you send.	Planet ($5/mo)	Premium ($70/mo)
Credit card required to start Neither requires a card up front - FreshBooks' 30-day trial and Cosmobill's Comet plan both let you start without one. The difference is what happens after: Cosmobill stays free, FreshBooks requires a paid plan once the trial ends.	–	–

Invoicing core

Feature	Cosmobill	FreshBooks
Shareable invoice link (client portal)
Customer self-fills their own billing details On FreshBooks, the seller enters the client's info themselves when creating them as a client. Cosmobill's customer opens the invoice link and fills in their own name/address/tax ID - you never mistype an EIN.		–
Itemized line items (qty × rate)
Unlimited invoices FreshBooks removes its invoice-count cap on every paid tier including the cheapest Lite plan - Cosmobill only removes its 5/mo free-plan cap once you move to Planet.	Planet ($5/mo)+	Free, all plans (even Lite)
Estimates / quotes	Free, all plans	Free, all plans (unlimited, even Lite)
Convert estimate to invoice in one click
E-signatures on estimates/proposals FreshBooks gates e-signature acceptance on proposals to its Plus tier and up; Cosmobill has no e-signature feature on any plan.	–	Plus ($43/mo)+
Proposals (beyond a basic estimate)	–	Plus ($43/mo)+
Client retainers	–	Plus ($43/mo)+
Recurring / repeating invoices FreshBooks includes automated recurring invoices on every plan including its cheapest Lite tier; Cosmobill reserves this for its top Galaxy tier.	Galaxy ($10/mo)	Free, all plans (even Lite)
Scheduled late fees FreshBooks lets you schedule automatic late fees on every plan; Cosmobill has no late-fee automation feature.	–	Free, all plans

Getting paid

Feature	Cosmobill	FreshBooks
PayPal payments
Card payments FreshBooks' own payment processing is available on every plan, but every card transaction carries its 2.9%+$0.30 fee (3.5%+$0.30 for Amex) regardless of tier - lower rates require the custom-priced Select plan.	Planet ($5/mo)+	Free, all plans (2.9% + $0.30/txn, 3.5% + $0.30 Amex)
Bank transfer (ACH) Cosmobill's bank transfer is a manual self-report the buyer and seller confirm between themselves, at no processing fee. FreshBooks' ACH is an automated in-app charge, but takes a 1% cut of every transfer.	yes (manual, self-report)	Free, all plans (1%/txn via FreshBooks Payments)
Buy Now, Pay Later (Affirm/Afterpay) FreshBooks lets clients split payments via Affirm/Afterpay on every plan; Cosmobill has no BNPL integration.	–	Free, all plans
Checkout links (get paid without sending an invoice)	–	Free, all plans
Deposits / partial payments	Free, all plans	Free, all plans
Multi-currency per invoice	Free, all plans	Free, all plans (currency set per client)
Automatic overdue-payment reminders FreshBooks automates late-payment reminders on every plan including Lite; Cosmobill reserves this for Planet+.	Planet ($5/mo)+	Free, all plans
Early-payment discount (scheduled incentive) FreshBooks supports a one-off manual discount typed into an invoice, but has no scheduled "pay within N days for X% off" incentive the way Cosmobill does.	Free, all plans	–
Transaction fee Cosmobill/FreshBooks takes on top of the processor	0% (only PayPal's own fee applies)	0% beyond its own listed processing rates (2.9%+$0.30 card, 1% ACH)

Time, expenses & files

Feature	Cosmobill	FreshBooks
Time tracking (log or start/stop timer)	Free, all plans	Free, all plans (unlimited)
Roll tracked time into an invoice
Expense tracking, optionally billable to an invoice	Free, all plans	Free, all plans (unlimited)
Mobile mileage tracking FreshBooks bundles GPS-based mileage logging into its mobile app on every plan; Cosmobill has no mileage-tracking feature.	–	Free, all plans
Automatic expense receipt data capture FreshBooks' Lite plan requires manually entering expense details; automatic scan-and-extract from a receipt photo needs Plus or above.	–	Plus ($43/mo)+
Automatic bill receipt capture with line-item detail	–	Premium ($70/mo)+
Invoice discussions / comment thread FreshBooks' client portal shows invoice and payment history but has no back-and-forth comment thread on an invoice the way Cosmobill's discussion feature does.	Free, all plans	–

Reporting & organization

Feature	Cosmobill	FreshBooks
Dashboard revenue chart (this month vs. last)	Free, all plans	Free, all plans
Business-health / income-vs-expense reports	Free, all plans	Free, all plans
Tax-time reports FreshBooks generates tax-time reports on every plan including Lite; Cosmobill has no dedicated tax-report feature.	–	Free, all plans
Double-entry accounting reports & bank reconciliation Lite is invoicing-and-expenses only - real double-entry books and bank reconciliation require Plus or above. Cosmobill doesn't attempt double-entry accounting on any plan.	–	Plus ($43/mo)+
Give your accountant account access	–	Plus ($43/mo)+
Automated bank import (auto-import transactions)	–	Free, all plans
CSV export CSV export of clients/invoices/expenses is not one of the features FreshBooks gates by plan tier - it depends on your team-member role rather than which of Lite/Plus/Premium you're on.	Planet ($5/mo)+	yes, all plans

Team, branding & businesses

Feature	Cosmobill	FreshBooks
Team members FreshBooks charges $11/mo for every team seat on every plan (Select includes its first 2 free) - a 5-person team costs an extra $55/mo on top of the plan price. Cosmobill bundles 5 seats into its flat $10/mo Galaxy tier with no per-seat charge.	Up to 5 (Galaxy, $10/mo)	$11/mo per seat, any plan
Read-only ("Viewer"/Employee) role at no extra cost Every FreshBooks team member costs $11/mo regardless of role, including its most restricted Employee role. Cosmobill's read-only role is bundled with Galaxy's team seats at no separate charge.		–
Multiple business identities under one login FreshBooks lets you add and switch between businesses under one login, but each is its own subscription with its own 30-day trial and its own plan/payment - nothing is shared except the login. Cosmobill's multiple businesses share one account and one plan's entitlements.	Free, all plans, shared entitlements	yes, all plans - but each business is billed separately
Custom logo upload	Planet ($5/mo)+	Free, all plans
Custom brand color / appearance	Planet ($5/mo)+	Free, all plans
Remove the provider's own branding from invoices/emails FreshBooks only removes its own branding at its top Select tier, which has no published price - you have to talk to sales. Cosmobill removes its branding at a fixed, listed $10/mo.	Galaxy ($10/mo)	Select (custom, contact sales)

A note on this comparison

FreshBooks details above come from freshbooks.com's public pricing page and support articles as of when this page was written - pricing pages change, so if something here looks off, treat freshbooks.com as the source of truth for their current plans. Note that freshbooks.com/pricing currently runs a "90% off for 6 months" promotion; the figures used here ($23/$43/$70 for Lite/Plus/Premium) are FreshBooks' standard list prices, not that temporary promo rate, for a fair long-term comparison. FreshBooks is a genuinely deep, mature accounting product with real strengths Cosmobill doesn't try to match - double-entry accounting reports, bank reconciliation, mileage tracking, tax-time reports, and Buy-Now-Pay-Later checkout among them. Where Cosmobill differs is in what's actually free: Cosmobill has no-cost tier that never expires, while FreshBooks' cheapest plan is $23/mo and still caps you at 5 clients - the exact limit Cosmobill's free plan has, at no cost. Every Cosmobill row marked available on a plan is a feature that actually ships in the product today, not a roadmap item.

Cosmobill vs.FreshBooks