The Plutio Insider’s Guide
Everything we know about Plutio in one document: what it costs, its grades, getting a refund, getting help and what else to look at. Read it here, or keep a copy.
Plutio
The Insider’s Guide
All-in-one freelance app: projects, proposals, contracts and invoices
Every plan, grade, refund rule and rival among accounting and invoicing tools, read from Plutio’s own pages.
Made by Plutio Ltd · checked Oct 17, 2026 · toolgpa.com
Contents
- 01WelcomeWhat it is, who it suits, its grades and the ten things to know first
- 02What it costsEvery plan, the free plan, ways to pay less and how prices have moved
- 03What it doesIts main features, where it runs, what it works with and who makes it
- 04Where it standsIts grades against its category, and whether to keep it or make your own
- 05The alternativesThe tools it is most often weighed against, side by side
- 06Quick answersThe questions people ask about it, each answered in a line or two
- 07About ToolGPAWho made this guide, what else is on the site, and how to cite it
ToolGPA put this guide together from Plutio’s own pages, its app-store listings and our grades. Every fact in it is on Plutio’s page too, where it is kept up to date. Checked Oct 17, 2026.
Part 01 · Overview
Welcome
What it is, who it suits, its grades and the ten things to know first
2.4
GPA, above 4 of the 17 other accounting and invoicing tools we grade
Plutio is business management software for freelancers and agencies. Every plan has unlimited projects, invoices, proposals and contracts with e-signatures, plus time tracking, scheduling, forms, task boards and a client portal, and an AI assistant called Plutio Pal. Plans differ in active clients, contributors, AI credits, automation actions and storage.
To get you started, here are 9 things to know about Plutio, taken from its own pages and our grades.
It does a lot, which means building it out first: clients, projects, proposal templates, forms and the workflows that chase people for you.
- 1
Best for freelancers who want projects and invoices in one place
Plutio puts proposals, contracts, projects, time tracking, scheduling and invoices under one login, on the web, your computer and your phone.
- 2
Paid plans start at $15.83 a month
As its pricing page puts it: $15.83 per month, billed annually ($19 billed monthly).
- 3
You can try it first
7-day free trial, no credit card required, with up to 3 active clients
- 4
It runs on 5 platforms
Web, iOS, Android, macOS and Windows.
- 5
Invoices and payments
Unlimited branded invoices that clients pay through Stripe, PayPal or Square. Plutio adds no transaction fee of its own.
- 6
Proposals and contracts
Interactive proposals and contracts that clients sign electronically, with tracking of when they view and sign.
- 7
Projects and tasks
Unlimited projects with Kanban boards, lists, calendars and Gantt charts, plus one-click time tracking onto invoices.
- 8
A 2.4 GPA, above 4 of 17
That is against the other accounting and invoicing tools we grade, on value, the free plan, features, ease of use and platforms.
- 9
Keep it
The plain part of Plutio you could make: invoicing, time tracking, kanban boards and forms. What surrounds it you could not. The 4 things listed below take a company, not a weekend.
Plutio at a glance
- Pricing
- Free trial, from $15.83 per month, billed annually ($19 billed monthly)
- Free plan
- No
- Free trial
- 7-day free trial, no credit card required, with up to 3 active clients
- Runs on
- Web, macOS, Windows, iOS, Android
- Made by
- Plutio Ltd, since 2017
- Category
- Accounting & Invoicing
- Our grade
- 2.4 GPA, fair
The report card
Best for freelancers who want projects and invoices in one place
Plutio puts proposals, contracts, projects, time tracking, scheduling and invoices under one login, on the web, your computer and your phone. Core at $15.83 a month billed yearly has every feature. What you pay more for is room: Core stops at 9 active clients and no helpers, and there are no books, so you'll still need accounting software.
| Subject | Grade | Comment |
|---|---|---|
| Value for money | C | Core 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 | C | A 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 | C | Unlimited 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 | C | No 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 | A | Web, Mac, Windows, iPhone and Android, with Stripe, PayPal, Square, Zapier, Google Calendar, FreshBooks, Calendly and DocuSign. That's the full spread. |
An A is worth 4 points, a B 3, a C 2, a D 1 and an F nothing. The GPA is the average of the five.
Who Plutio is for
- Great if you're a solo freelancer juggling up to 9 clients at a time
- Handy when clients sign proposals and contracts online before the work starts
- Good for agencies that bring contractors into client projects, on Pro
Who it is not for
- Not for you if you need bookkeeping, as accounting apps only connect through Zapier
- Tight if you have more than 9 active clients, since that's where Core stops
- Pricey if you take on helpers, because contributors start on Pro at $40.83 a month billed yearly
Good to know
Good for
- 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
- 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.
Part 02 · Pricing
What it costs
Every plan, the free plan, ways to pay less and how prices have moved
$15.83
A month to start
Plutio is a paid product with a free trial, starting at $15.83 per month, billed annually ($19 billed monthly).
A week is short for judging something you'd bill clients from, and there's no free plan.
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.
Trying it first
7-day free trial, no credit card required, with up to 3 active clients
Read from plutio.com on Oct 17, 2026.
Ways to pay less
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.
Stated on plutio.com
Part 03 · Features
What it does
Its main features, where it runs, what it works with and who makes it
5
Places it runs: Web, macOS, Windows, iOS and Android
All-in-one freelance app: projects, proposals, contracts and invoices. Here is what it does, as its own site describes it, and what it covers: AI features, booking links, kanban boards, time tracking, forms, invoicing.
But it keeps no books: the listing says accounting apps such as FreshBooks connect through Zapier.
- 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.
Where it runs
- Web
- macOS
- Windows
- iOS
- Android
What it works with
- Stripe
- PayPal
- Square
- Zapier
- Google Calendar
- FreshBooks
- Calendly
- DocuSign
Plutio is made by Plutio Ltd, and has been around since 2017.
Part 04 · Standing
Where it stands
Its grades against its category, and whether to keep it or make your own
4/17
Other accounting and invoicing tools it is graded above
Plutio's GPA of 2.4 is higher than 4 of the 17 other accounting and invoicing tools we grade, and level with 5.
It stands best on platforms and integrations (A, above 14 of 17) and worst on free plan and trial (C, above 0).
Its paid plans start at $15.83 a month, against a middle price of $19 for the category: 7 of the 16 others that charge start lower.
On features, ease of use and platforms it scores 2.7 out of 4. 2 tools score higher and cost less.
Each grade against the category
Every bar is all 18 accounting and invoicing tools we grade, cut by the letter each got. Plutio’s own letter is outlined.
- CValue for moneyAbove 2 of 17
- CFree plan and trialAbove 0 of 17
- CFeaturesAbove 0 of 17
- CEase of useAbove 0 of 17
- APlatforms and integrationsAbove 14 of 17
Price against what you get
Each dot is one of 18 accounting and invoicing tools. Further left costs less; higher up scores better on features, ease of use and platforms. Plutio is the marked dot.
What paid plans start at, a month (each step along is roughly double) →
Keep it, or make your own?
Whether this is something you could build for yourself with an AI app builder, and what you would give up.
Keep it
The plain part of Plutio you could make: invoicing, time tracking, kanban boards and forms. What surrounds it you could not. The 4 things listed below take a company, not a weekend.
That makes this kind of software worth paying for, not this one in particular: 8 of the 17 other accounting and invoicing tools grade higher. It costs $189.96 a year.
What you could make
- Invoicing, time tracking, kanban boards and forms: an app builder makes these well.
What you could not
- Booking pages that read and write other people's calendars and send the emails.
- Apps for macOS, Windows, iOS and Android that stay in step with each other.
- It plugs into other products, Stripe, PayPal and Square among them.
- AI features, unless you pay a model provider for each request yourself.
What this rests on. Plutio’s listing: what it does, where it runs, what it plugs into and what it costs. It is a judgement about the kind of software this is. We have not built a replacement for it, and making your own means looking after it too. How we decide, and every tool’s verdict.
Part 05 · Alternatives
The alternatives
The tools it is most often weighed against, side by side
Moxie, Bonsai, FreshBooks, Zoho Invoice and Wave
The 5 tools Plutio is most often weighed against, with where each one differs from it.
- 2.4GPA
Moxie
Free trial · from $10/mo
Freelance business app: clients, projects, invoices and basic books.
- Only Plutio lists macOS and Windows apps.
- Plutio also covers kanban boards.
- Moxie also covers sales pipeline and expense tracking.
- 2.4GPA
Bonsai
Free trial · from $9/mo
Client, project and billing software for agencies and freelancers.
- Only Plutio lists a Windows app.
- Only Bonsai lists a browser extension.
- Plutio also covers booking links and kanban boards.
- 2.6GPA
FreshBooks
Free trial · from $23/mo
Invoicing and accounting for freelancers and service businesses.
- Only Plutio lists macOS and Windows apps.
- Plutio also covers booking links, kanban boards and forms.
- FreshBooks also covers reports, bookkeeping, expense tracking and payroll.
- 3.6GPA
Zoho Invoice
Free
Free invoicing app from Zoho for freelancers and small businesses.
- Zoho Invoice has a free plan. Plutio does not, though it has a free trial.
- Plutio also covers booking links, kanban boards and forms.
- Zoho Invoice also covers reports and expense tracking.
- 2.4GPA
Wave
Free plan · from $19/mo
Free invoicing and bookkeeping for US and Canadian small businesses.
- Wave has a free plan. Plutio does not, though it has a free trial.
- Only Plutio lists macOS and Windows apps.
- Plutio also covers booking links, kanban boards, time tracking and forms.
Part 06 · Questions
Quick answers
The questions people ask about it, each answered in a line or two
12
Questions, each answered in a line or two
The short version of everything above, for when you only need the answer. Each one is told in full in its part of the guide.
Is Plutio free?
No, Plutio is a paid product, but you can try it first. 7-day free trial, no credit card required, with up to 3 active clients.
How much does Plutio cost?
Plutio lists 3 plans. Core: $15.83 per month, billed annually ($19 billed monthly).
What platforms does Plutio work on?
Plutio is available on Web, iOS, Android, macOS and Windows.
Does Plutio offer any discounts?
Plutio publicly lists the following: Two months free with yearly billing.
Does Plutio have a Linux app?
No Linux app was listed when its pages were read on Oct 17, 2026. Plutio is listed for Web, iOS, Android, macOS and Windows.
Is Plutio open source?
Plutio is not described as open source on its own site, as read on Oct 17, 2026.
What does Plutio integrate with?
Plutio's listing names Stripe, PayPal, Square, Zapier, Google Calendar, FreshBooks, Calendly and DocuSign.
Who makes Plutio?
Plutio is made by Plutio Ltd. It dates from 2017.
What are the alternatives to Plutio?
The closest alternatives to Plutio in our directory are Moxie, Bonsai, FreshBooks, Zoho Invoice and Wave.
How does Plutio compare with other accounting and invoicing tools?
Plutio's GPA of 2.4 is higher than 4 of the 17 other accounting and invoicing tools we grade, and level with 5.
Is Plutio good value for money?
ToolGPA grades Plutio C for value for money. Its paid plans start at $15.83 a month, against a middle price of $19 for the category: 7 of the 16 others that charge start lower.
Could I make my own version of Plutio?
The plain part of Plutio you could make: invoicing, time tracking, kanban boards and forms.
Where this guide comes from
The prices, plans, platforms and features were read from Plutio’s own pages on Oct 17, 2026, and the grades were given on Oct 17, 2026. Graded from this listing, whose facts were read from Plutio's own pages on 17 October 2026. Not based on using the product, and shorter than our full reviews.
Every tool we list gets five grades, A to F, each with its reason, and a GPA that averages them. How each is decided is at toolgpa.com/grades. This guide is ToolGPA’s own work; it is not made, paid for or approved by Plutio Ltd. Prices change, so check plutio.com before you buy.
Part 07 · About
About ToolGPA
Who made this guide, what else is on the site, and how to cite it
1,858
Tools graded, in 46 categories
ToolGPA grades software the way a school report grades a pupil: five subjects, a letter for each with the reason written beside it, and a GPA that averages them. Prices, plans and platforms are read from each maker’s own pages and dated, so you always know how fresh a figure is.
ToolGPA is free to read. It may earn a commission from affiliate links and it works with sponsors, but anything paid for is labelled and no one can pay for a grade. Every tool on the site has a guide like this one, free to download and pass on. It all lives at toolgpa.com.
1,858
tools graded
46
categories
426
price changes on record
579
apps priced in 12 countries
What else is on toolgpa.com
- Plutio, kept up to dateEverything in this guide, with prices and grades as they are todaytoolgpa.com/tools/plutio
- How grades are givenThe rules behind every letter and every GPAtoolgpa.com/grades
- Value chartsWhat each tool costs against what it scores, for every categorytoolgpa.com/charts
- CompareAny two tools side by side, plan by plantoolgpa.com/compare
- Price changesEvery price rise and cut on record, each with its sourcetoolgpa.com/price-changes
- Prices by countryWhat apps cost on the App Store in 12 countriestoolgpa.com/prices-by-country
- Pay lessEvery public discount: yearly billing, students, nonprofitstoolgpa.com/save
- Keep or makeWhich tools are worth paying for, and which you could build yourselftoolgpa.com/keep-or-make
Scan for the live page
Prices and grades as they are today
Quoting this guide?
Please name ToolGPA and link to the live page, so readers can check the figures for themselves:
ToolGPA, "Plutio: The Insider's Guide", checked Oct 17, 2026. https://toolgpa.com/tools/plutio
Know someone choosing between accounting and invoicing tools?
Send them this guide: toolgpa.com/tools/plutio/guide
ToolGPA elsewhere: youtube.com/@toolgpa
See our other guides
The best-graded accounting and invoicing tools after Plutio, each with an Insider's Guide of its own.
- Accounting & Invoicing Insider's GuideEvery one of the 18 accounting and invoicing tools we grade, compared
- Zoho Invoice Insider's GuideFree invoicing app from Zoho for freelancers and small businesses3.6 GPA
- Zoho Books Insider's GuideOnline accounting from Zoho, with a free plan and six paid tiers3.4 GPA
- Odoo Insider's GuideBusiness app suite whose Accounting app is free when used on its own3.2 GPA
Choosing software? Every tool graded, every price dated.
Compare tools at toolgpa.com ›Everything in this guide is ToolGPA’s own summary of what Plutio’s pages, its app-store listings and public reviews said on the dates shown. Grades are our judgement under the rules at toolgpa.com/grades. ToolGPA uses affiliate links and may earn a commission from them, and it works with sponsors; anything paid for is labelled, and no one can pay for a grade. Plutio is a trademark of its owner, and this guide is not made, paid for or approved by Plutio Ltd. Prices and plans change: check plutio.com before you buy.