FreshBooks Pricing in 2026: Complete Plan Breakdown, Add-Ons, Team Member Fees, and Transaction Costs Explained

FreshBooks pricing, as of November 2026, is $23 a month for Lite, $43 for Plus and $70 for Premium on monthly billing, with Select priced by talking to a consultant. FreshBooks currently shows 80 percent off for the first four months on the three public plans, so year one costs $202.40, $378.40 and $616, and every year after that costs $276, $516 and $840. FreshBooks’ offer terms put the end of the current promotion at 11:59 PM EST on November 16, 2026, so check the page for the current offer. Card payments through FreshBooks cost 2.9 percent plus $0.30 and bank transfers cost 1 percent, which is the answer to the FreshBooks ACH fee question that brings many readers here.

I run my stores and teach high ticket dropshipping through Ecommerce Paradise, so what software costs in year two matters to me more than the banner. This page prices FreshBooks the way I price every accounting tool: each plan at list and at the promotional rate, the billable client limits, what each tier unlocks, the add-ons for team members, Advanced Payments and payroll, and the payment fees. I rebuilt it in November 2026 from FreshBooks’ own pages, and I removed anything I could not confirm there.

Disclosure: some links below are affiliate links, which means I may earn a commission at no extra cost to you.

The formula is the same every time. Year one equals the promotional price times the promotional months, plus the list price times the remaining months. Year two equals the list price times twelve.

FreshBooks pricing 2026: all plans, both years

This is the table the pricing page does not print. The promo column is the banner price. The year two column is what you pay for as long as you stay a customer on monthly billing. Every list price comes from FreshBooks’ pricing page, in US dollars.

Plan	List per month	Promo per month	Billable clients	Year one	Year two
FreshBooks Lite	$23	$4.60	5	$202.40	$276
FreshBooks Plus	$43	$8.60	50	$378.40	$516
FreshBooks Premium	$70	$14	Unlimited	$616	$840
FreshBooks Select	Not shown	Not shown	Unlimited	Ask FreshBooks	Ask FreshBooks

Working one row so you can check me: Lite is $4.60 for four months, which is $18.40, then $23 for eight months, which is $184. Add them and year one is $202.40. Year two has no promotional months, so it is $23 times twelve, which is $276.

What the 80 percent discount is actually worth

The pricing page shows the promotion as 80 percent off for four months, with savings of $73.60 on Lite, $137.60 on Plus and $224 on Premium. Those numbers check out against the formula, and the table below shows what the banner implies against what you pay.

Plan	Actual promo saving	Banner price times 12	Year one reality	Gap
Lite	$73.60	$55.20	$202.40	$147.20
Plus	$137.60	$103.20	$378.40	$275.20
Premium	$224	$168	$616	$448

Anyone who multiplies $8.60 by twelve will budget $103.20 for Plus when the real first year is $378.40. The discount is worth four months at 80 percent off, which is 3.2 months of list price, and then the price returns to the struck-through amount on the page.

When the promotion ends, and the terms I could read

This offer is time limited. FreshBooks’ offer terms page says it runs between 9:00 AM EST on October 15, 2026 and 11:59 PM EST on November 16, 2026, and that FreshBooks may change or end it at any time. The pricing page itself prints no end date, so check the page for the current offer before you buy anything based on this article.

The terms say it is 80 percent off for four months on monthly or yearly Lite, Plus or Premium, bought through the Buy Now & Save button, for new customers who are legal residents of the United States. No free trial is included when you take the promotional offer. The offer details on the pricing page add that it cannot be combined with other offers or the free trial. It is worded as a discount on the plan, and the pricing page shows no discount on add-ons, so I price add-ons at full rate. The terms also describe one 30 minute onboarding session, which has to be booked and completed within 30 days of sign-up.

An earlier version of this page of mine quoted 90 percent off for four months and a $19, $38 and $65 price ladder. Neither matches FreshBooks’ pages today, which is exactly why I price year two and not the banner.

Annual billing: a flat 10 percent, not 10 to 22

FreshBooks’ pricing page has a yearly toggle labelled "Extra 10% Off". The offer details on the pricing page say that after the first year you are billed the full yearly price, which includes only that 10 percent discount. Applied to list prices, that is $248.40 for Lite, $464.40 for Plus and $756 for Premium, which is my arithmetic: exactly 90 percent of twelve months at list.

Plan	Monthly billing per year	Annual billing per year	Effective per month	Saving
Lite	$276	$248.40	$20.70	$27.60
Plus	$516	$464.40	$38.70	$51.60
Premium	$840	$756	$63	$84

Check on Plus: $43 times 12 is $516, and 90 percent of $516 is $464.40, which is $38.70 a month. With the yearly toggle on and the promotion applied, the pricing page shows first year prices of $181.33 for Lite, $339.01 for Plus and $551.88 for Premium, set against $276, $516 and $840 marked as "Was". I quote those as the page shows them and did not re-derive them. After the first year the offer details say you pay the full yearly price with only the 10 percent discount, so the figures in the table above apply from year two. If you intend to stay a year, the annual toggle is the one discount that does not depend on a campaign.

What each FreshBooks plan includes

Prices only mean something next to gates. This table is built from the comparison grid on FreshBooks’ pricing page, where each row is either included or blank for each plan.

Capability	Lite	Plus	Premium	Select
Billable clients	5	50	Unlimited	Unlimited
Unlimited estimates and invoices, recurring invoices, late fees	Yes	Yes	Yes	Yes
Unlimited expenses and time tracking	Yes	Yes	Yes	Yes
Card, ACH, and buy now pay later payments	Yes	Yes	Yes	Yes
E-signatures, proposals, client retainers	No	Yes	Yes	Yes
Double-entry accounting reports	No	Yes	Yes	Yes
Bank reconciliation	No	Yes	Yes	Yes
Accountant access	No	Yes	Yes	Yes
Expense receipt data capture	No	Yes	Yes	Yes
Bill receipt data capture	No	No	Yes	Yes, every line item
Project profitability	No	No	Yes	Yes
Accounts payable	No	No	Yes	Yes
Customized email templates	No	No	Yes	Yes
Remove FreshBooks branding from client emails	No	No	No	Yes
Lower card fees and capped ACH fees	No	No	No	Yes
2 team member accounts included, phone support, Easy Switch	No	No	No	Yes

Three rows carry most of the decision. Bank reconciliation and double-entry reports are why Plus is the real entry plan for anyone whose accountant wants proper books. Accounts payable and project profitability are why Premium exists. Everything on Lite, including unlimited invoices, is gated only by the 5 client limit.

The billable client limit: active and archived both count

The limit is the most misunderstood part of FreshBooks pricing, so here is what the pricing FAQ says. The cap refers to the number of both active and archived clients in your account. If you stop working with a client, you can delete that client to free a spot, and the client’s invoices and information remain accessible. You can also undelete a client later.

An earlier version of this page told readers that archiving inactive clients would keep them under the cap. That was wrong, because archived clients count toward the limit, and deleting is what frees the space. For a store that bills a handful of wholesale buyers, 5 clients on Lite is a real ceiling, and Plus at 50 clients covers most small operations.

FreshBooks add-ons: team members, Advanced Payments and payroll

The pricing page lists three add-ons under every plan, and the prices are the same on all of them.

Add-on	Price	Per year
Team members	$11 a month per user	$132 per user
Advanced Payments	$20 a month (included with Select)	$240
FreshBooks Payroll	$40 a month plus $6 a month per user	$480 plus $72 per user

Team members at $11

Select includes 2 team member accounts at no extra charge. For the other plans, the pricing page does not state how many accounts are included, so I assume the owner account is covered and every other person is a paid $11 seat. Plus with two extra people is $43 plus $22, which is $65 a month, or $780 a year.

Xero takes the opposite approach and lists no per-user license fees, which I price in my Xero pricing guide. If your team is four or five people, that difference can outweigh the plan price.

Advanced Payments at $20

The page lists Advanced Payments at $20 a month on Lite, Plus and Premium and included on Select. The comparison grid lists in-person or phone card acceptance, secure card storage and charging client cards as Select features. The pricing page does not spell out which of those the paid add-on unlocks on the other plans, so ask FreshBooks which features you would get before you pay $240 a year. The earlier version of this page said Advanced Payments charges a 3.5 percent plus $0.30 fee. That figure is not on FreshBooks’ pricing page, so I removed it.

FreshBooks payroll pricing

FreshBooks Payroll is $40 a month plus $6 a month per user, per the pricing page. For three employees that is $40 plus $18, which is $58 a month, or $696 a year. For five employees it is $40 plus $30, which is $70 a month, or $840 a year.

The pricing page gives the price and not the feature list, so I will not describe what the payroll product files or pays. If payroll is the main reason you are shopping, compare it with a dedicated provider in my Gusto pricing guide before you bundle it. The IRS lists what employers must withhold, deposit and report on its employment taxes page, which is the work any payroll tool is supposed to remove from your desk.

FreshBooks fees: the ACH fee and card fees

The pricing FAQ lists the same two rates for FreshBooks Payments and for Stripe. Credit cards cost 2.9 percent plus $0.30 per transaction, and Stripe is listed at the same rate on most cards. Bank transfers (ACH) cost 1 percent, and the page marks that rate with an asterisk whose footnote text is not shown on the page. Select is described as having preferred card rates and capped ACH fees, with no figures shown.

Invoice size	Card fee (2.9% + $0.30)	ACH fee (1%)	Card costs more by
$250	$7.55	$2.50	$5.05
$1,000	$29.30	$10	$19.30
$5,000	$145.30	$50	$95.30

Check on the $1,000 row: 2.9 percent of $1,000 is $29, plus $0.30 is $29.30, and 1 percent is $10. These are examples at the page’s stated rates, before any cap the asterisk may carry. Now scale it up. A business collecting $20,000 a month across 40 invoices of $500 would pay about $580 plus $12, which is $592, if every invoice went by card, and about $200 if every invoice went by ACH.

That gap is why high ticket sellers should care. If your invoices are large, steering buyers toward bank transfer is worth more than any plan discount.

Real cost: year one and year two with the add-ons stacked

Here is how the bill builds. I applied the 80 percent promotion to the base plan only, because the offer reads as a discount on the plan and the page shows no add-on discount, and I kept every add-on at full price in both years. Payroll is costed for three people at $58 a month.

Setup	Monthly in year two	Year one	Year two
Lite alone	$23	$202.40	$276
Plus with 2 extra people	$65	$642.40	$780
Plus with Advanced Payments	$63	$618.40	$756
Plus with payroll for 3	$101	$1,074.40	$1,212
Premium with 3 extra people and Advanced Payments	$123	$1,252	$1,476
Plus with 2 extra people, Advanced Payments and payroll for 3	$143	$1,578.40	$1,716

Checking the last row. Year two is $43 plus $22 plus $20 plus $58, which is $143 a month, and $143 times 12 is $1,716. Year one swaps the first four months of Plus to $8.60, so it is $378.40 plus $264 plus $240 plus $696, which is $1,578.40. These are examples, not quotes, because headcount and add-on choices change them.

The pattern is that Plus with no extras is a $516 product, and a realistic stack around it is closer to $780 to $1,716 a year. That is the number to compare against other tools, not the $8.60 banner.

Free trial and money-back guarantee

The pricing FAQ describes a 30 day free trial with no contracts and no credit card required, including free phone and email support during the trial. It says the trial gives access to the invoicing, expense and project tools and as many billable clients as you need. After the trial, your invoices, expenses and bank transactions stay stored, and any connected bank link is cut until you resume.

The page also says that if you are not satisfied you can contact FreshBooks within the first 30 days after purchase for a full refund. It prints nothing about refunds after day 30, so I will not claim a policy for that period. An earlier version of this page described prorated refund rules that the page does not state, and I removed them.

How FreshBooks pricing compares to Xero and QuickBooks

Same rule as my other pricing guides: year two, list price, no promotions, cheapest first. FreshBooks is on monthly billing, because Xero and QuickBooks are compared at their monthly list prices too.

Product	Year two annual	What the vendor’s page shows
FreshBooks Lite	$276	$23 a month, 5 billable clients
Xero Early	$324	$27 a month, 20 invoices and 5 bills
QuickBooks Simple Start	$456	$38 a month, 1 user
FreshBooks Plus	$516	$43 a month, 50 billable clients
Xero Growing	$708	$59 a month, no per-user fee
FreshBooks Premium	$840	$70 a month, unlimited billable clients
QuickBooks Essentials	$1,020	$85 a month, 3 users
Xero Established	$1,164	$97 a month, multicurrency and projects
QuickBooks Plus	$1,680	$140 a month, 5 users, inventory tracking

The QuickBooks figures come from Intuit’s pricing page. The Xero figures come from Xero’s US pricing page, and the FreshBooks figures come from the page linked above, all read in November 2026. An earlier version of this page put QuickBooks Simple Start at about $35 and Xero Early at about $25. Intuit’s page shows $38 and Xero’s shows $27.

Each vendor also runs a first months offer as of November 2026: Xero’s page shows 80 percent off for 3 months and Intuit’s shows 50 percent off for 3 months, neither of which changes the year two column. The three vendors limit different things. FreshBooks limits billable clients and charges per extra team member, QuickBooks limits users per plan, and Xero’s pricing page lists no per-user fee but caps invoices and bills on its entry plan.

For the full head to heads, read my QuickBooks vs FreshBooks comparison. My FreshBooks vs Xero comparison covers the other pairing.

For the QuickBooks side in detail, see my QuickBooks Online pricing guide.

What FreshBooks does not publish

A pricing article earns its keep by being clear about gaps. Here are the ones I found, as of November 2026.

Select pricing. The page says to talk to a consultant and prints no number.

Included users on Lite, Plus and Premium. The page lists team members as a paid add-on and does not state how many accounts each plan includes.

The ACH footnote. The 1 percent bank transfer fee carries an asterisk, and the footnote text is not shown on the page, so any cap is unknown on the public plans.

Promotion end date. The pricing page prints none. The separate offer terms page gives November 16, 2026, and FreshBooks may change or end the offer at any time.

What Advanced Payments unlocks. The grid lists card storage and in-person payments as Select features, and the add-on’s own feature list is not shown.

Payroll features. The pricing page gives the $40 plus $6 price and nothing about what the product files or pays.

Inventory. The pricing page grid has no inventory row. A FreshBooks blog article last updated in December 2022 describes a simple Track Inventory option on items, and does not say which plans include it, which matters for a store that holds stock.

FreshBooks runs an app store for integrations, but a partner count and a specific Shopify connection are not shown on the pages I could load, so check the app store for the platform you use.

Which FreshBooks plan I would look at first

This is general information, not personal advice, and your numbers will differ. These are my opinions based on the limits above.

Lite at $276 a year fits a one person business that bills up to 5 clients and does not need reconciliation or accountant access. Watch the 5 client cap, because a sixth client forces a move to Plus.

Plus at $516 a year is the plan I would start most small businesses on. It adds bank reconciliation, double-entry reports, accountant access and receipt capture, and the 50 client limit rarely binds. Budget for $11 per extra person on top.

Premium at $840 a year makes sense when you pass 50 clients, want accounts payable and project profitability, or need custom client email templates.

For a product store, I would add one caution. FreshBooks is built around billing clients, and the stock tracking it describes is simple, so a store with a lot of stock on shelves should check what it needs. In my experience, a store that holds inventory is better served by a tool with documented stock tracking, and I rank those in my accounting software ranking by where inventory starts.

None of the above is tax or accounting advice. Prices, plan contents and tax treatment change, and they vary by jurisdiction. Confirm anything that affects a filing with your CPA or with the taxing authority directly.

Running the business behind the books

A $516 ledger is either a serious cost or a rounding error, and which one depends on the margin structure of what you sell. That is the part I spend my time on, and it is why accounting software is only one of several business expenses a store owner has to plan for.

Start with the list of profitable high ticket niches if you have not settled on a category. If the model is unfamiliar, here is a plain explanation of how high ticket dropshipping works and why the unit economics differ so much from cheap goods.

Sourcing is the hard part, and it drives your cost of goods, which is what your books have to track. So I wrote a complete step by step supplier sourcing guide covering approach, terms and vetting.

Get the legal entity right before your first sale, because your books, your bank account and your payroll all hang off it. My walkthrough of business formation for a high ticket store covers the choices.

Frequently Asked Questions

How much does FreshBooks cost per month in 2026?
As of November 2026, FreshBooks lists Lite at $23, Plus at $43 and Premium at $70 a month on monthly billing. Select is priced through a consultant. New customers are currently shown 80 percent off for four months, which makes the first four months $4.60, $8.60 and $14. Annual billing takes another 10 percent off.

What is the FreshBooks ACH fee?
FreshBooks’ pricing FAQ lists bank transfers (ACH) at 1 percent, marked with an asterisk whose footnote text is not shown on the page. On a $1,000 invoice that is $10, against $29.30 for a card at 2.9 percent plus $0.30. Select is described as having capped ACH fees, with no figure shown.

Does FreshBooks charge for team members?
Yes. The pricing page lists Team Members at $11 a month per user as an add-on on every plan. Select includes 2 team member accounts at no extra charge. The page does not say how many accounts Lite, Plus and Premium include, so confirm before you add staff.

How much is FreshBooks payroll?
The pricing page lists FreshBooks Payroll at $40 a month plus $6 a month per user. As an example, three people cost $40 plus $18, which is $58 a month, or $696 a year. The page does not describe the payroll features, so compare it with a dedicated provider.

Does FreshBooks have a free trial or a refund?
There is a 30 day free trial with no credit card required, and a full refund if you contact FreshBooks within the first 30 days after purchase. FreshBooks prints no refund terms beyond that. There is no permanent free plan on the pricing page.

Bottom Line

FreshBooks costs $276, $516 or $840 a year on monthly billing for Lite, Plus or Premium, and $248.40, $464.40 or $756 on annual billing. Year one is cheaper by $73.60, $137.60 or $224 under the current offer, and that is the entire value of the promotion. The extras are where the budget moves: $11 per extra person, $20 for Advanced Payments and $40 plus $6 per person for payroll.

The fee that matters most to a seller with big invoices is the 1 percent bank transfer rate against 2.9 percent plus $0.30 on cards. Then accept that Select pricing, included users and the ACH footnote are not published, so your true annual cost is knowable only after you ask. Do the arithmetic before you sign, not in month five, and run anything that touches a return past a CPA.

Related Articles

If you are still deciding between tools, or want the pricing detail behind the comparison table above, these are the posts I would read next.

• QuickBooks vs FreshBooks 2026: Where Double Entry Accounting Actually Starts
• FreshBooks vs Xero in 2026: Service-Business Invoicing & Bookkeeping vs Full Double-Entry Accounting With Inventory, Which Fits Your Business?
• Xero Pricing 2026: Early, Growing and Established Costed for Year One and Year Two
• QuickBooks Online Pricing 2026: Every Plan Costed for Year One and Year Two
• Best Accounting Software for Ecommerce 2026: Ranked by Where Inventory Starts