Billy vs Moneybird (2026): which should you pick?
As of Nov 12, 2026, Moneybird grades higher than Billy: 2.4 against 2.2 out of 4.0.
Checked Nov 12, 2026 · graded Nov 12, 2026 by ToolGPA
Moneybird grades higher on features. They get the same grade on value for money, the free plan, ease of use and platforms.
Price, platforms and features side by side. The table says where each price was read and when.
Moneybird
Online accounting for freelancers and small businesses in Europe
Which one is for you
Pick Billy if
- Fits if you're a Danish sole trader sending a few invoices a month
- Works for small Danish companies that want accountant access built in
Look elsewhere if
- Tight if you send more than 3 invoices or file more than 10 receipts a month, which is where Free stops
- Pricey if you want annual accounts: they cost extra, from 2,495 kr., and the accountant package from 4,495 kr.
- Not for you if you're outside Denmark, as it's Danish kroner and Danish rules
- Watch out: Complete has a 12-month commitment, and the site says Billy is now part of Shine
Pick Moneybird if
- Fits if you're a Dutch or European freelancer who wants VAT returns filed electronically
- Works for online shops that connect Shopify or bol.com
Look elsewhere if
- Tight if you're on Compact: 1 invoice a month, 5 processed bank transactions and no VAT return
- Watch out: each sales invoice over your limit costs €0.15
- Watch out: iDEAL costs €0.29 a payment and cards 1% to 5%, and bank connections add small charges
- Watch out: the pricing page doesn't say which countries it serves
How we grade them
| 2.2GPABillyFair | 2.4GPAMoneybirdFair | |
|---|---|---|
| Value for money | C160 kr. a month for Basic and 295 kr. for Plus, both excluding VAT. That's around the middle of what this category charges. | C€3 a month for Compact, €15 for Start and €29 for Growth, billed yearly. Compact allows 1 invoice a month and no VAT return, and fees add on, so a working plan costs about the middle. |
| Free plan and trial | CA free plan of 3 invoices and 10 receipts a month, after a 30-day trial. Three invoices a month is a cap you'll hit once you have a few clients. | CA 60-day free trial with the Complete plan's features, no obligation. No free plan. |
| Features | CInvoices, receipts, VAT filing, payroll and accountant access. Annual accounts cost extra, from 2,495 kr., so the whole job isn't in the plan price. | BInvoices, purchase invoices, bank connections, bookkeeping, VAT returns and timesheets. The listing's limits are volumes and fees, not missing features. |
| Ease of use | CNo store rating on record, and the pricing page is in Danish. There's an account and receipts to set up before it saves you time. | CNo store rating on record. You'll link a bank and set up your contacts and products first. |
| Platforms and integrations | BWeb, iPhone and Android, with MobilePay as an integration and unlimited integrations from Plus. No desktop app. | BWeb, iPhone and Android, with Shopify, Magento 2, PrestaShop, Lightspeed and bol.com. |
| Best for | free Danish invoicing and bookkeeping | freelancers wanting European online accounting |
The GPA is the average of the five grades: an A is 4 points, an F is none. The full reasons are on each tool's page: Billy and Moneybird. How we grade
Where they differ
- Billy also covers payroll.
- Moneybird also covers time tracking.
At a glance
| Billy | Moneybird | |
|---|---|---|
| Pricing | Free plan | Free trial |
| Starts at | 160 kr. per month, excl. VAT | €3 per month, billed yearly (€4 billed monthly) |
| Free plan | 3 invoices and 10 expense receipts per month, VAT filing, receipt upload and technical email and chat support. | None |
| Free trial | 30-day trial before moving to the Free plan | 60-day free trial with the Complete plan's features, no obligation |
| Web | ||
| iOS | ||
| Android | ||
| Made by | Billy ApS | Moneybird B.V. |
| Price read from | billy.dk | moneybird.com |
| Checked | Nov 12, 2026 | Nov 12, 2026 |
Worth knowing
Billy
- The Free plan caps usage at 3 invoices and 10 expense receipts a month.
- Prices are in Danish kroner, excluding VAT, and the Complete plan carries a 12-month commitment.
- Annual accounts cost extra on most plans, from 2,495 kr., and the accountant package from 4,495 kr.
- The site says Billy is now part of Shine, so the product and its pricing may move to Shine's pages.
Moneybird
- Monthly invoice limits apply; beyond them each extra sales invoice costs €0.15.
- Online payments carry fees, for example €0.29 for iDEAL and 1% to 5% for cards, with a 16 cent minimum on variable fees.
- Bank connections add small charges, such as €0.03 per payment record and €1.00 to initiate a payment.
- The site is offered in English, Dutch, German and French; the pricing page does not list which countries it serves.
Key features
Billy
- Invoices and quotes
- Send invoices and quotes in your own design, with card and MobilePay payment on invoices, and set up subscription invoices.
- Receipts and bookkeeping
- Scan, upload and store receipts, with a bookkeeping assistant that suggests how to post each expense.
- VAT reporting
- Report VAT figures to the Danish tax authority directly from the program and connect a bank to match transactions.
- Payroll
- Produce payslips from the same account and have the payroll posted to the books automatically. Billed per payslip.
- Accountant access
- Give an accountant access to the books from the Basic plan up, with add-on packages for annual accounts.
- Mobile app
- A mobile app for scanning receipts and sending quotes and invoices while out with customers.
Moneybird
- Invoices and quotes
- Send sales invoices and quotes, set recurring invoices and automatic reminders, and send through Peppol or collect by SEPA direct debit.
- Purchase invoices and receipts
- Scan receipts with the app, process UBL invoices and receive invoices through Peppol. Smart document processing is capped at 3 on Compact.
- Bank connections
- Link bank accounts from 1,700+ European banks and match the transactions. How many accounts and transactions depends on the plan.
- Bookkeeping and VAT returns
- Reports, ledger accounts and asset depreciation are included. Electronic VAT returns and ICP returns can be filed from Moneybird on Start and above.
- Timesheets and online sales
- Record billable hours and turn them into invoices, and take payments through a payment link or recurring subscriptions.
Plans
Billy
Free0 kr.
per month, excl. VAT
3 invoices and 10 expense receipts a month, VAT filing and receipt upload.
Basic160 kr.
per month, excl. VAT (page notes a saving vs monthly billing)
No usage limits, ad-free invoices, accountant access and full bookkeeping support by email and chat.
Plus295 kr.
per month, excl. VAT (page notes a saving vs monthly billing)
Adds AI accounting features, Copilot access, unlimited integrations, payroll and phone support.
Complete595 kr.
per month, excl. VAT, 12-month commitment
Everything in Plus, with a quarterly accounts check, priority support and a do-it-yourself annual report included.
Moneybird
Compact€3
per month, billed yearly (€4 billed monthly)
1 user and 1 sales invoice a month, 5 processed bank transactions, no linked bank account or VAT return.
Start€15
per month, billed yearly (€18 billed monthly)
1 user, 200 sales invoices a month, 20 processed bank transactions and electronic VAT returns.
Growth€29
per month, billed yearly (€35 billed monthly)
5 users, 500 sales invoices a month, 5 linked bank accounts and 50 processed transactions.
Complete€41
per month, billed yearly (€49 billed monthly)
Unlimited users, linked bank accounts and transactions, and 1,000 sales invoices a month.
Ways to pay less
Billy
- Other savings
50% off payroll for 12 months
Billy's homepage says payroll is charged per payslip, with a 50% saving during the first 12 months.
Moneybird
- Annual discount
At least 16% off with yearly billing
The pricing page shows the yearly-billed price per month and the saving per year, from €12 on Compact to €96 on Complete.
Common questions
Which is cheaper, Billy or Moneybird?
As of Nov 12, 2026, Billy starts at 160 kr. per month, excl. VAT, and Moneybird starts at €3 per month, billed yearly (€4 billed monthly).
Which has a free plan, Billy or Moneybird?
As of Nov 12, 2026, only Billy has a free plan. Moneybird does not, though it has a free trial.
More comparisons
How this page was made
- The verdict at the top follows a fixed rule. When both tools are in the same category and either is in our top three for it, the verdict follows that ranking: the higher-placed tool is our pick. The top three weigh who each tool suits as well as its grades, so a pick can go against the GPA. Otherwise the page does not pick one and says which grades higher: the higher GPA first; on a tie, the one with a free plan, then the one that starts cheaper in dollars a month, counted the same way for both; if they are still level, what the choice depends on.
- The grades are our own, from each tool’s review or report card. The GPA is their average.
- Prices, plans and platforms come from each tool’s listing. The table above says where each price was read and when.
- The differences and the answers to the questions are worked out from those listings.