Fiskl vs FreshBooks (2026): which should you pick?

Pick Fiskl if

• Fits if you invoice in several currencies as a freelancer
• Works for small firms that want an AI assistant to categorise transactions

Look elsewhere if

• Tight if you want a free plan, because there isn't one after the 30 days
• Watch out: Solo allows 1 user and 2 bank connections, and more needs Pro or Prime
• Watch out: extra AI tokens cost USD 50 for 30M and expire after 6 months
• Watch out: extra team members are billed per user monthly
• Watch out: prices are in ringgit and local taxes may apply

Pick FreshBooks if

• Fits if you're a freelancer billing up to 5 clients for your time
• Works for service businesses that send proposals and take retainers, which start on Plus at $43 a month

Look elsewhere if

• Pricey if you need accounting reports or bank reconciliation, as they start on Plus at $43 a month
• Tight if you bill more than 5 clients on Lite or 50 on Plus, and archived clients count toward both
• Watch out: the advertised prices are 80% off for 4 months only, then $23, $43 or $70 a month
• Pricey if you add people or payments: $11 a month per extra team member, $20 a month for Advanced Payments
• Skip it if you need payroll outside the US: it files US taxes only, costs $40 a month plus $6 an employee, and isn't in the trial

Fiskl

• The pricing page was read in Malaysian ringgit and no dollar price was readable, so the figures here are RM and may differ for US buyers.
• User and bank limits rise by plan: Solo is 1 user and 2 banks, Pro is 5 and 4, Prime is 10 and unlimited.
• Extra AI tokens cost USD 50 for 30M and expire after 6 months, and extra team members are billed per user monthly.
• The pricing page says local taxes may apply.

FreshBooks

• The advertised prices are 80% off for 4 months; plans then renew at $23, $43 or $70 a month.
• Lite bills only 5 clients and Plus 50, counting archived clients; each extra team member costs $11 a month.
• Payroll costs $40 a month plus $6 per employee, files US federal and state taxes, and is not available during the free trial.
• Advanced Payments is a $20 a month add-on on every plan except Select.

Fiskl

Multi-currency accounting

Supports 170+ currencies and 60+ invoice and payment languages, with automated FX gains and losses on Prime.

Bank connections

Connects to 21,000+ banks, with AI categorizing and matching of each transaction to invoices or bills.

Invoices, quotes and expenses

Sends invoices and quotes, tracks bills and expenses, and extracts details from receipts with AI.

Fi AI assistant

Fi answers questions about the ledger in many languages; higher plans add forecasting, scenario planning and anomaly detection.

Stripe reconciliation

Pro and Prime match Stripe payouts to the invoices and fees they contain.

Accountant access

Every plan allows accountant access, and a separate portal called Atlas shows an accounting firm all its client companies.

FreshBooks

Invoices, estimates and proposals

Recurring invoices, late fees and automatic reminders on every plan. Proposals and client retainers start on Plus.

Online payments

Clients pay by card, ACH bank transfer, Apple Pay, Google Pay, or Affirm and Afterpay. Card payments through FreshBooks Payments cost 2.9% plus $0.30.

Time tracking and projects

Unlimited time tracking on every plan, with project budgets and billing. Project profitability reports need Premium.

Expenses and receipts

Bank import, mileage tracking on mobile and unlimited expenses. Receipt scanning starts on Plus, and bill line-item capture on Premium.

Double-entry accounting

Accounting reports, bank reconciliation and accountant access start on Plus. Lite has tax-time reports only.

FreshBooks Payroll

Payroll run with Gusto inside FreshBooks: unlimited pay runs, free direct deposit, and federal and state payroll tax filing.

Fiskl

• SoloRM 83

  per month after a 30-day free trial

  For freelancers and solo businesses: 1 user, 2 bank connections, 2 brands and accountant access.

• ProRM 150

  per month after a 30-day free trial

  5 users, 4 banks and 4 brands, plus cash flow forecasting, Stripe reconciliation and payment reminders.

• PrimeRM 219

  per month after a 30-day free trial

  10 users, unlimited banks and brands, plus advanced FX handling and Fi-assisted period close.

FreshBooks

• Lite$23

  per month for 5 billable clients, billed monthly

  Advertised at $4.60 a month for the first 4 months. Invoices, estimates, expenses, online payments and tax-time reports.

• Plus$43

  per month for 50 billable clients, billed monthly

  Advertised at $8.60 a month for the first 4 months. Adds proposals, retainers, accounting reports, receipt scanning and accountant access.

• Premium$70

  per month for unlimited clients, billed monthly

  Advertised at $14 a month for the first 4 months. Adds project profitability, accounts payable, bill line-item capture and custom email templates.

• SelectCustom

  Unlimited clients, lower card fees, Advanced Payments included, 2 team members, unbranded emails and dedicated phone support.

Fiskl

No public discounts listed.

FreshBooks

• Other savings

  80% off the first 4 months

  New customers pay 20% of the Lite, Plus or Premium price for 4 months, then the full monthly price. The page calls it a limited-time offer.

• Annual discount

  10% off with yearly billing

  Yearly plans cost $248.40 for Lite, $464.40 for Plus and $756 for Premium, 10% less than paying monthly.