FreshBooks vs Moxie Comparison 2026
FreshBooks is double-entry accounting behind a friendly invoice app, gated by client count: Lite is $23 a month for five billable clients, Plus $43 for fifty. Moxie holds the client list, proposals, contracts, time tracking and invoicing in one account from $12 a month, with tiers separated by features like a white-labelled portal rather than by how many clients are billed. FreshBooks does the accounting and tax-report side more thoroughly. Moxie covers the proposal and contract stage that FreshBooks does not attempt at all, and starts almost half the price.
Invoicing built for freelancers, not accountants
The freelance business in one place
At a glance
- Moxie starts cheaper, at $12.
- Neither has a free tier.
Side by side
FreshBooks | Moxie | |
|---|---|---|
| Starting price (they differ) | From $23 | From $12 |
| Pricing model | Free trial, then paid | Free trial, then paid |
| Free tier | No | No |
| Billing | Monthly or annual | Monthly or annual |
| Free trial (they differ) | 30 days | 14 days |
| API | Yes |
FreshBooks
Invoicing built for freelancers, not accountants
FreshBooks is double-entry accounting wearing a friendly invoice app, which is the right shape for somebody who bills a handful of clients and dreads January. Time tracking and expenses feed the invoice directly. Client limits on the cheap plan are the thing that pushes people up a tier.
Our note
Wave does invoicing and bookkeeping free and is enough for most creators. Pay for FreshBooks when the client count, the retainers or the proposals are the reason, not because it looks more serious.
Only on this side
- Covers creator finance
Moxie
The freelance business in one place
Moxie holds the client list, the proposal, the contract, the time log and the invoice in one account, so a freelancer stops paying four tools that each know a quarter of the job. A scheduler and a light set of books are in there as well. Its own pricing page compares it to Bonsai, Dubsado and HoneyBook, which is a fair statement of who it is up against.
Why people weigh these two
- Moxie instead of FreshBooks
- Moxie at $12 runs the whole freelance business, contracts and projects included, where FreshBooks stops at the invoicing.
- FreshBooks instead of Moxie
- FreshBooks sticks to invoicing built for a freelancer rather than an accountant, the better fit for someone who only needs to bill and was never going to open the proposal or contract side of Moxie.
Which one should you pick
Pick FreshBooks for proper double-entry accounting wrapped in an invoice app, with tax-time reports built for handing to an accountant. Lite is $23 a month for five billable clients, and the client count, not the feature list, is what forces most upgrades. It has no proposal or contract tool at all; that stage of a client relationship happens somewhere else.
Pick Moxie to stop paying for four separate tools that each know a quarter of a freelance business: proposals, contracts, time tracking and invoicing together from $12 a month. Pro at $25 adds a white-labelled client portal and a custom domain, and Teams at $40 covers five people. Its own comparison against Bonsai says Moxie wins on entry price and Bonsai on the depth of its contract library, which is a fair way to weigh it against FreshBooks too: FreshBooks is the deeper accounting tool.
Common questions
- Is Moxie cheaper than FreshBooks?
- At the entry tier, yes: Moxie Starter is $12 a month against FreshBooks Lite at $23. FreshBooks also caps Lite at five billable clients, a limit Moxie's tiers are not described as sharing; Moxie separates its tiers by feature instead.
- Does FreshBooks send proposals and contracts like Moxie does?
- No, that is not among its features; FreshBooks is invoicing, expenses and accounting reports. Moxie includes proposals and contracts from its $12 a month Starter tier, alongside invoicing and scheduling.
- Which one has deeper tax and accounting reports?
- FreshBooks does: it generates the summaries an accountant actually asks for and offers dedicated accountant access from the Plus plan. Moxie's own materials describe only basic accounting, with a QuickBooks connection arriving on its Pro tier.
- Does either one offer a free plan?
- No, neither does. FreshBooks gives a 30-day free trial and a 30-day money-back guarantee. Moxie gives a 14-day trial and also lists location-based and need-based scholarships, which nothing else in this category offers.
Ratings are the average of reviews readers left. The facts are stated by each tool’s own listing and are not verified by CloutStack. How we make money.