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ToolGPA

Moxie vs Plutio

We give Moxie and Plutio the same GPA: 2.4 out of 4.0. Moxie grades higher on value for money. Plutio grades higher on platforms. They get the same grade on the free plan, features and ease of use.

Price, platforms and features side by side. The table says where each price was read and when.

Moxie

Freelance business app: clients, projects, invoices and basic books

Free trial · from $10/mo
Full detailswithmoxie.com

Plutio

All-in-one freelance app: projects, proposals, contracts and invoices

Free trial · from $15.83/mo
Full detailsplutio.com

How we grade them

2.4GPAMoxieFair2.4GPAPlutioFair
Value for money
BStarter is $10 a month billed yearly or $12 monthly, inside the cheaper quarter of accounting tools at $15, and it already invoices, tracks time and sends proposals and contracts. Syncing with QuickBooks needs Pro at $20 billed yearly.
CCore is $15.83 a month billed yearly, or $19 monthly, just past the cheaper quarter of accounting tools at $15. It's for one person and 9 active clients. More clients, or anyone helping you, means Pro at $40.83 billed yearly.
Free plan and trial
CA 14-day free trial, and the listing doesn't say whether it needs a card. There's no free plan, though Moxie offers scholarships by location or need.
CA 7-day free trial with no card needed, but only 3 active clients while it runs. A week is short for judging something you'd bill clients from, and there's no free plan.
Features
CClients, projects, proposals, contracts, time tracking, invoices with card, PayPal or ACH payments, forms, scheduling and a pipeline. As accounting it's basic income and expense tracking, though, and Moxie itself suggests QuickBooks to finish the books.
CUnlimited invoices, proposals and e-signed contracts, projects with boards and Gantt charts, time tracking, scheduling, forms and a client portal. But it keeps no books: the listing says accounting apps such as FreshBooks connect through Zapier.
Ease of use
CNo store rating on record. There's a fair bit to set up before it pays off: clients, projects, proposal and contract templates, and a bank connection.
CNo store rating on record. It does a lot, which means building it out first: clients, projects, proposal templates, forms and the workflows that chase people for you.
Platforms and integrations
BWeb, iPhone and Android, where the app is called Hectic, with Stripe, PayPal, Plaid, QuickBooks, Outlook, Zapier and Make. There's no desktop app, which keeps it off an A.
AWeb, Mac, Windows, iPhone and Android, with Stripe, PayPal, Square, Zapier, Google Calendar, FreshBooks, Calendly and DocuSign. That's the full spread.
Best forfreelancers who want clients and invoices in one appfreelancers who want projects and invoices in one place

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: Moxie and Plutio. How we grade

Price against what you get

Moxie starts at $10 a month and scores 2.3 out of 4 on features, ease of use and platforms. Plutio starts at $15.83 a month and scores 2.7.

Plutio scores higher, and starts $5.83 a month higher: the question is whether the extra is worth that to you. Of the other accounting and invoicing tools on the chart, 3 score higher than Moxie for less, and 2 score higher than Plutio for less.

Features, ease of use and platforms, averaged

C2.0B3.0A4.0Free$2$5$10$20$50$100More for lessCosts more, scores moreCosts less, scores lessCosts more, scores lessMoxiePlutio

What paid plans start at, a month (each step along is roughly double) →

  • The best score at each price
  • Has a free plan
  • No free plan
The full chart of accounting and invoicing tools, and the best at every price

Where they differ

  • Moxie starts at $10 per month, billed annually ($12 billed monthly). Plutio starts at $15.83 per month, billed annually ($19 billed monthly).
  • Only Plutio lists macOS and Windows apps.
  • Moxie also covers sales pipeline and expense tracking.
  • Plutio also covers kanban boards.
In commonWebiOSAndroidBooking linksTime trackingFormsInvoicing

At a glance

MoxiePlutio
PricingFree trialFree trial
Starts at$10 per month, billed annually ($12 billed monthly)$15.83 per month, billed annually ($19 billed monthly)
Free planNoneNone
Free trial14-day free trial7-day free trial, no credit card required, with up to 3 active clients
Web
macOS
Windows
iOS
Android
Made byMoxiePlutio Ltd
Price read fromwithmoxie.complutio.com
CheckedOct 17, 2026Oct 17, 2026

Who each one suits

Moxie

  • Solo freelancers who want clients, projects and invoices in one app
  • Small creative agencies of up to five people
  • Freelancers who track time and bill expenses back to clients

Plutio

  • Freelancers who want proposals, contracts, projects and invoices in one place
  • Agencies that bring contractors and clients into shared projects
  • Businesses that want automated follow-ups on proposals and late invoices

Worth knowing

Moxie

  • The accounting is basic income and expense tracking; Moxie suggests QuickBooks to finish the books, and that sync needs Pro.
  • There is no free plan; Teams covers at most five team members, though project collaborators are unlimited.
  • The Communicator phone line works in the US, Canada and the UK only, and needs Pro or Teams.
  • The mobile app is listed in the App Store and Google Play under the name Hectic.

Plutio

  • Core is for one person and 9 active clients; contributors need Pro, which includes 30 and charges for more, or Max.
  • White-label is a $9 a month add-on on Core and Pro, and single sign-on $5 a month on Pro; Max includes both.
  • AI credits and workflow actions are capped each month by plan; extra AI credits and storage are sold separately.
  • It is built around clients, projects and invoices; accounting apps such as FreshBooks connect through Zapier.

Key features

Moxie

Invoices and payments
Turn tracked time and expenses into invoices, with recurring invoices, reminders and late fees. Clients pay by card, PayPal or ACH through Stripe or PayPal.
Income and expense tracking
Connect a bank or card through Plaid so expenses fill in, attach receipts and bill costs back to clients. Pro syncs with QuickBooks.
Proposals and contracts
Send proposals, quotes and contracts to clients from templates, on every plan.
Projects and time tracking
Plan deliverables, track time on the web or phone, and add project collaborators, unlimited from Pro.
Client portal and inbox
A client portal, white-labeled from Pro, plus a combined calendar and inbox that connects Google, iCal and Outlook.
Scheduling, forms and pipeline
Meeting schedulers, a form builder and a sales pipeline for leads are included from Starter.

Plutio

Invoices and payments
Unlimited branded invoices that clients pay through Stripe, PayPal or Square. Plutio adds no transaction fee of its own.
Proposals and contracts
Interactive proposals and contracts that clients sign electronically, with tracking of when they view and sign.
Projects and tasks
Unlimited projects with Kanban boards, lists, calendars and Gantt charts, plus one-click time tracking onto invoices.
Scheduling and forms
Clients book meetings against your availability, and intake forms, questionnaires and surveys can be embedded or shared.
Client portal
Each client gets a login to see their projects, invoices, files and messages. White-labeling it costs extra below Max.
Plutio Pal and workflows
An AI assistant drafts proposals, contracts and emails using monthly credits, and workflow actions automate follow-ups and reminders.

Plans

Moxie

  • Starter$10

    per month, billed annually ($12 billed monthly)

    $120 a year. Clients, projects, invoicing and payments, proposals and contracts, time tracking, pipeline, basic accounting, forms and scheduling.

  • Pro$20

    per month, billed annually ($25 billed monthly)

    $240 a year. Adds a custom domain, white-label client portal, ticketing, automations, a phone line, API and Zapier access and QuickBooks sync.

  • Teams$32

    per month for up to 5 members, billed annually ($40 billed monthly)

    $385 a year. Everything in Pro for up to five team members, with one more phone line and access levels for an accountant or partner.

Plutio

  • Core$15.83

    per month, billed annually ($19 billed monthly)

    $190 a year. Solo use: 9 active clients, no contributors, 500 AI credits and 500 workflow actions a month, and 100 GB storage.

  • Pro$40.83

    per month, billed annually ($49 billed monthly)

    $490 a year. Unlimited clients, 30 contributors, 2,500 AI credits and 5,500 workflow actions a month, and 500 GB storage.

  • Max$165.83

    per month, billed annually ($199 billed monthly)

    $1,990 a year. Unlimited clients and contributors, 10,000 AI credits and 50,000 actions a month, 2 TB storage, white-label and single sign-on.

Ways to pay less

Moxie

  • Annual discount

    Save up to 20% with annual billing

    Paying yearly costs $120 for Starter, $240 for Pro and $385 for Teams, against $12, $25 and $40 a month billed monthly.

  • By country

    Scholarships by location or need

    Moxie offers location-based scholarships to freelancers in countries the World Bank rates low or lower-middle income, and need-based help elsewhere on request.

Plutio

  • Annual discount

    Two months free with yearly billing

    Yearly billing costs $190 for Core, $490 for Pro and $1,990 for Max, about two months less than twelve monthly payments.

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