Cosmobill vs.
QuickBooks

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 QuickBooks data point is sourced from quickbooks.intuit.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

QuickBooks Simple Start - $38/mo

No free plan - only a limited trial. Simple Start is single-user and locks out multi-currency, time tracking, and enhanced reports

QuickBooks is a full accounting suite, not just an invoicing tool - its cheapest plan costs $38/mo before you've even added a 2nd team member. See the full table below for everything else.

Pricing & limits

Feature	Cosmobill	QuickBooks
Free plan QuickBooks Online has no free tier - only a limited-time trial, after which you must pick a paid plan to keep using it. Cosmobill's Comet tier is free indefinitely, not a trial.		–
Cheapest paid plan QuickBooks' entry Simple Start plan is nearly 8x Cosmobill's cheapest paid tier.	$5/mo (Planet)	$38/mo (Simple Start)
Users on cheapest paid plan QuickBooks' entry plan is single-user for regular staff (accountant access is separate and doesn't count against it). Adding a 2nd regular team member requires upgrading to Essentials ($75/mo).	1 (Planet) · up to 5 on Galaxy ($10/mo)	1, plus 2 accountant seats (Simple Start)
Credit card required to start	–	yes, for the paid trial/subscription

Invoicing core

Feature	Cosmobill	QuickBooks
Shareable invoice link (client portal)
Customer self-fills their own billing details On QuickBooks, the seller enters the client's info themselves when adding them as a customer. 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)
Estimates / quotes	Free, all plans	yes, Simple Start and up
Recurring / repeating invoices QuickBooks includes recurring invoice templates starting at its entry Simple Start tier ($38/mo); Cosmobill reserves this for its top Galaxy tier ($10/mo).	Galaxy ($10/mo)	yes, Simple Start and up
Batch invoices / batch expenses QuickBooks gates batch-creating invoices and expenses to its top Advanced tier; Cosmobill has no batch-invoice feature.	–	Advanced ($275/mo)
Multi-currency per invoice QuickBooks' own help documentation confirms multicurrency is not available on Simple Start; it requires upgrading to Essentials or higher. Cosmobill supports multi-currency invoicing on every plan including free.	Free, all plans	Essentials ($75/mo) and up - not on Simple Start
Custom lead-capture forms / scheduling QuickBooks Essentials adds custom lead-capture forms and calendar-linked scheduling; Cosmobill has no lead-capture feature.	–	Essentials ($75/mo) and up

Getting paid

Feature	Cosmobill	QuickBooks
PayPal payments QuickBooks Payments doesn't offer PayPal as a checkout option on an invoice - Cosmobill accepts PayPal on every plan including free.		–
Card payments via invoice QuickBooks Payments card processing on emailed invoices runs 2.99% per transaction, available from Simple Start up. Cosmobill's free Comet tier is PayPal/card only at checkout - card processing beyond PayPal needs Planet ($5/mo), well below QuickBooks' $38/mo entry price.	Planet ($5/mo)+	Free with any paid plan (2.99%/txn)
Bank transfer (ACH) Cosmobill's bank transfer is a manual self-report the buyer and seller confirm between themselves, at no processing fee. QuickBooks' ACH via invoice is automated in-app, taking a 1% cut per transaction.	yes (manual, self-report, no fee)	Any paid plan (1%/txn)
Automated bill pay (free ACH) QuickBooks bundles automated outbound bill payments via free ACH into every plan, with a per-transaction fee once you exceed the monthly allotment. Cosmobill doesn't handle outbound bill payments - it's an invoicing tool for what you're owed, not a bill-pay platform.	–	Simple Start and up ($0.50/txn beyond monthly allotment)
Deposits / partial payments	Free, all plans
Automatic overdue-payment reminders	Planet ($5/mo)+	yes, Simple Start and up
Early-payment discounts QuickBooks has no scheduled "pay within N days for X% off" incentive the way Cosmobill does.	Free, all plans	no dedicated scheduled feature
Transaction fee Cosmobill takes on top of processor	0% (only PayPal's own fee applies)	0% beyond its own listed processing rates (2.99% card, 1% ACH)

Time, expenses & files

Feature	Cosmobill	QuickBooks
Time tracking (log or start/stop timer) QuickBooks gates time tracking (and adding employee time to invoices) to Essentials and above - it's not included on the entry Simple Start plan. Cosmobill includes time tracking on every plan including free.	Free, all plans	yes, Essentials ($75/mo) and up
Roll tracked time into an invoice		yes, Essentials and up
Expense tracking, optionally billable to an invoice	Free, all plans	yes, all plans
File attachments on an invoice	Free, all plans	yes, all plans
Invoice discussions / comment thread QuickBooks' client-facing invoice view shows payment status but has no back-and-forth comment thread the way Cosmobill's discussion feature does.	Free, all plans	–

Reporting & organization

Feature	Cosmobill	QuickBooks
Dashboard revenue chart (this month vs. last)	Free, all plans	Free, all plans
General business reports (P&L, sales)	Free, all plans	Free, all plans
Enhanced reports (A/R, A/P, sales by rep)	–	Essentials ($75/mo) and up
Inventory management (COGS, purchase orders) QuickBooks Plus adds full inventory tracking with cost-of-goods-sold and vendor/purchase-order management; Cosmobill has no inventory feature - it focuses on invoicing, not stock management.	–	Plus ($115/mo) and up
Project profitability tracking	–	Plus ($115/mo) and up
Custom management-ready reports & dashboards	–	Advanced ($275/mo)
CSV export	Planet ($5/mo)+	yes, all plans
Automated bank import (auto-import transactions) QuickBooks includes automated bank-transaction import and matching on every plan; Cosmobill has no bank-sync feature on any plan.	–	yes, all plans

Team, branding & businesses

Feature	Cosmobill	QuickBooks
Team members QuickBooks' user caps scale with plan tier, topping out at 25 on its $275/mo Advanced plan - but matching Cosmobill's 5-seat Galaxy tier requires QuickBooks Plus at $115/mo, over 11x Cosmobill's $10/mo price for the same seat count.	Up to 5 (Galaxy, $10/mo)	1 (Simple Start) · 3 (Essentials) · 5 (Plus) · 25 (Advanced)
Read-only role at no extra cost QuickBooks' granular custom roles and permissions are an Advanced-tier feature ($275/mo); lower tiers have more limited role options. Cosmobill's read-only role is bundled with Galaxy's team seats at no separate charge or tier jump.		Custom user roles/permissions
Give your accountant free account access	–	yes, all plans (2-3 accountant seats, doesn't count against user cap)
Multiple business identities under one login QuickBooks treats each business as its own company file with its own separate subscription and plan - nothing is shared. Cosmobill's multiple businesses share one account and one plan's entitlements at no extra cost.	Free, all plans, shared entitlements	Each company file is a separate subscription
Custom logo upload	Planet ($5/mo)+	yes, all plans
Custom brand color / appearance	Planet ($5/mo)+	yes, all plans
Remove the provider's own branding from invoices	Galaxy ($10/mo)	yes, all plans - QuickBooks doesn't stamp its own branding on invoices

A note on this comparison

QuickBooks details above come from quickbooks.intuit.com's public pricing page and payment-rates page as of when this page was written - pricing pages change, so if something here looks off, treat quickbooks.intuit.com as the source of truth for their current plans. Note that quickbooks.intuit.com/pricing currently runs a "50% off for 3 months" promotion; the figures used here ($38/$75/$115/$275 for Simple Start/Essentials/Plus/Advanced) are QuickBooks' standard list prices, not that temporary promo rate, for a fair long-term comparison. It's also worth being upfront that this isn't really an apples-to-apples matchup: QuickBooks Online is a full double-entry accounting suite with inventory management, project costing, class/location tracking, and automated bookkeeping - a meaningfully bigger and different product category than Cosmobill's lightweight, invoicing-and-payments focus. If you need real accounting software, QuickBooks does things Cosmobill was never built to do. Where Cosmobill differs is accessibility and simplicity: it has a free tier that never expires, PayPal checkout on every plan, multi-currency invoicing without an upgrade, and a $10/mo top tier that undercuts even QuickBooks' cheapest $38/mo plan by a wide margin - for anyone who just needs to send professional invoices and get paid, not run full books. Every Cosmobill row marked available on a plan is a feature that actually ships in the product today, not a roadmap item.

Cosmobill vs.QuickBooks