This page collects our guides for a one-person business that sends invoices, gets paid and keeps books it can hand to an accountant. Start with the foundations, then jump to the situation you are in, and only then compare plans.
Start here
- Separating business and personal money: an account structure and review routine to set up before any software.
- Wave vs Zoho Invoice: which free invoicing tool fits your country, payment gateway and bookkeeping needs.
- FreshBooks vs QuickBooks Online: client limits, accountant access and long-run costs for a US solo business.
By situation
- Stripe Payment Links vs invoicing: choose between a reusable link and a customer invoice by who pays and the evidence you need.
- Writing late-payment reminders with AI: a reminder ladder for unpaid invoices that uses your agreed terms.
- Toggl Free vs paid plans: what time tracking for billable hours costs at each plan.
- Copilot in Excel for a cash-flow review: use AI on a cash-flow table and reconcile every total yourself.
- QuickBooks Online AI for solo bookkeeping: what the AI features do, which parts are beta and what stays with you.
- Zoho Zia for solo invoicing: the AI features Zoho documents for Zoho Invoice and what to check.
Choose a plan
When you have settled on a tool, these guides compare its plans for one person.
- FreshBooks Lite vs Plus: client caps, reports, proposals and accountant access.
- Wave Starter vs Pro: bank import, receipt capture, automated reminders and card fees.
- Zoho Invoice free plan limits: what the free plan covers and when to move to accounting software.
How this page is kept current
This page links only to guides already published on Soloware Stack, and each guide records the date its prices and plan details were checked. We add new guides here when they go live. This page contains no affiliate links.