Invoices that get you paid. Right from your phone.

Fjordbill is in development and will launch on the App Store and Google Play. Use the launch-notes form at the bottom of this page, or email [email protected], and we will write to you once it’s available.

No. Fjordbill runs entirely on your phone. There’s no sign-up and no password, and your clients don’t need an account to receive your invoices either.

Add your own payment link, such as a Stripe Payment Link, PayPal.me, Venmo or Cash App. It appears on your invoice as a link and a Pay-now QR code. You can also turn on online payments: your client gets a secure pay link, pays by card or bank transfer into your own Stripe account, and the invoice is marked paid automatically. Your own payment links carry no Fjordbill fee; built-in online payments have a small per-payment fee (see below).

Connect your own Stripe account from the app (it takes a few minutes, and Stripe verifies your business). Then each invoice you share gets a pay link. Your client pays by card, Apple Pay, Google Pay or US bank account on Stripe’s secure checkout, the money goes to your Stripe account, and Fjordbill marks the invoice paid when you open the app. Bank payments take up to 4 business days to clear. Fjordbill never holds your money. Online payments work on every plan and are rolling out after launch. Your Pro subscription is still billed only through the App Store or Google Play.

A platform fee per payment that depends on your plan: Free 1.00% for cards and 0.50% for US bank payments (max $10); Pro Monthly 0.40% for cards and 0.25% for bank (max $5); Pro Yearly 0.25% for cards and 0% for bank. The fee is deducted from the payment in your Stripe account and is never added to your client’s total. Stripe’s own fees are separate and paid to Stripe (standard US pricing: 2.9% + 30¢ per card payment, 0.8% per bank payment capped at $5). The app shows the fee before you turn payments on and a breakdown for every payment.

Yes, with Pro. Choose weekly, monthly, quarterly or yearly, pick whether Fjordbill should create a draft for you to review or send it automatically, and set an end date or a number of invoices. Fjordbill creates the invoices that are due each time you open the app, and the Recurring list shows the next run for each.

Yes. Ask for a deposit such as 50% upfront, or set a payment schedule with installments by percent or amount and their own due dates. The PDF shows what’s paid, what’s due now and the remaining balance. Deposits, partial payments and two-part schedules are free; three or more installments need Pro.

With Pro, an estimate can include an approve link. Your client can accept or decline with a note, and you see the answer in the app. Converting an accepted estimate into an invoice, with every line kept, is one tap on any plan.

Yes. Snap a receipt, log the expense and assign it to a client, with an optional markup. Next time you invoice that client, add the unbilled expenses in one tap. Logging expenses is free and you can bill up to 10 a month on the free plan; Pro removes the limit and can attach the receipt photos to the PDF. Expenses also export to SovereignLedger.

A Pro report that totals what each client paid you in a calendar year, as a CSV and a PDF to hand to your tax preparer. It only adds up payments you recorded in Fjordbill. It isn’t tax advice and isn’t a filed tax form, and amounts paid by card may be reported separately by the payment processor.

A private link you can send a client that lists every invoice and estimate you’ve shared with them, so they can pay or approve from one page. It’s a Pro feature, part of the online features rolling out after launch.

Set a default rate for your business, override it per client, and mark each line taxable or not. Discounts are applied before tax, and the PDF shows exactly what was taxed, for example “TX 8.25% on $3,032.78”. Reports show the sales tax you collected per rate. Fjordbill does the math, but it isn’t tax advice, so check the rates that apply to you.

Yes. You can create unlimited invoices, estimates and clients for free. Free PDFs carry a small “Made with Fjordbill” line in the footer, and Pro removes it.

Pro costs $7.99 a month or $49.99 a year, and both plans start with a 7-day free trial. It’s billed by Apple or Google, and you can cancel anytime in your App Store or Google Play subscription settings.

Nothing is locked away. Every invoice, estimate and client stays on your phone, and you can open, share and export them on the free plan.

Your data is stored on your device, not on our servers. On any plan, you can save a password-protected backup (AES-256 encryption) wherever you choose, such as iCloud Drive, Google Drive or your computer, and restore it on a new phone. Pro also keeps automatic encrypted backups on your device. If you use card payments or online links, only the invoices and estimates you share are stored on our server so your client can open them.

Yes. In Reports, tap “QuickBooks · Xero · Wave export”, pick a date range and choose all sent invoices or only paid ones. Fjordbill creates an import-ready CSV that follows each program’s own import format: the invoice import in QuickBooks Online, the sales invoice import in Xero, and the transactions upload in Wave. Step-by-step guides: QuickBooks, Xero, Wave.

No connection, login or contract is needed. Fjordbill never touches your accounting account; you simply import the file yourself, when you want. It works offline and is free on every plan. QuickBooks, Xero and Wave are trademarks of their respective owners, and Fjordbill is not affiliated with or endorsed by them.

SovereignLedger is our companion receipt scanner and Schedule C tax assistant for US sole proprietors. Fjordbill can export your paid invoices as income. SovereignLedger helps you categorize expenses, estimate self-employment tax and quarterly payments, and review legal tax-planning tips with IRS sources. It prepares a filing pack; it does not e-file with the IRS. It is coming soon to iPhone and Android, and it is not tax advice. See worked examples and sources.

Fjordbill is being built for iPhone and Android phones, with the same features on both.