Generate a professional invoice as PDF

Yes — the free plan gives you full PDF + Word + Excel export with a watermark and 0 AI Deep Detect, no signup wall, no credit card. Enough for a freelancer or side-hustler getting started. To remove the watermark: $8.99/mo Start with 8 AI Deep Detect/mo + PDF/A-3 archival + e-signature vault + 1099-NEC year-end report. Compare 2026 US pricing: Canva Free SERP-1 (no auto-numbering or 1099 tracker), Microsoft Excel template free SERP-2 (manual sales-tax per state), Invoicehome.com free SERP-3 (no PDF/A archival), Adobe Express free SERP-4 (no payment integration), Square free SERP-7 (2.9% + 30¢ on card, US-only hosting), QuickBooks Online $30/mo Simple Start SERP-9, FreshBooks $19/mo Lite, Wave free + ads + US-only, Zoho Invoice free + Zoho lock-in, Invoice Ninja $11/mo Pro, Bill.com $45/mo Essentials, Xero $20/mo Starter, Stripe Invoicing 0.4% per paid invoice.

Yes — every template exports byte-faithful to PDF (ISO 32000-2:2020 PDF 2.0), Word .docx (ISO/IEC 29500 OOXML) and Excel .xlsx in one click. Same triple coverage Square SERP-7, Wave and the QuickBooks 35+ templates SERP-9 page advertises, without the US-only hosting or signup. Optional ISO 19005-3 PDF/A-3 archival mode embeds the original .docx side-car for IRS 26 USC §6001 books-and-records 7-year retention (vs 4-year employment-tax floor in IRS Pub 583), HMRC MTD VAT Notice 700/22 digital-link audit trail and German GoBD §147 AO 10-year ceiling. Adobe Acrobat Pro paywalls PDF/A export at $19.99/mo, Canva SERP-1 and Invoicehome.com SERP-3 do not produce PDF/A with embedded source at all.

Yes — sales-tax is computed live per US state with the latest 2025 base rates: CA 7.25%, NY 4% (+ NYC 4.5% = 8.875%), TX 6.25%, FL 6%, IL 6.25%, WA 6.5%, PA 6%, MA 6.25%, OH 5.75%, GA 4%, NC 4.75%, plus the remaining 38 states. Origin-based vs destination-based sourcing handled automatically (TX origin-based for in-state, CA destination-based, NY mixed). EU VAT layer for cross-Atlantic clients: DE 19%, FR 20%, IT 22%, ES 21%, NL 21%, with the EU reverse-charge note (Council Directive 2006/112/EC Art. 196) auto-inserted for B2B intra-EU. The Microsoft Excel template SERP-2 requires you to write the VLOOKUP / SUMIF formula yourself — 6-8 minutes per state, error-prone on multi-rate cities like NYC or Chicago.

Net 30 is the US small-business default per QuickBooks 2025 benchmark and recommended for B2B services: 30 calendar days from the invoice date to receive payment. Net 15 (the freelancer favorite) accelerates cashflow by 50% for one-off projects but increases pushback from corporate AP teams (most have 30-day cycles). Net 60 is common in retail and federal procurement under the Prompt Payment Act 31 USC §3903 (which actually caps federal payment at 30 days post-acceptance; Net 60 only applies to large enterprise vendors). Late fees default to 1.5%/month (= 18% APR) disclosed under TILA Reg Z 12 CFR §1026.4 finance-charge rules. The NY Freelance Isn’t Free Act §74 mandates payment within 30 days on any written contract >$800, with 2x liquidated damages on late payment — iFillPDF auto-inserts the §74 reminder on NY-address clients.

Each invoice is tagged to a payer with their W-9 Form (Request for Taxpayer Identification Number and Certification) on file — you upload it once when the client is added. When cumulative payments to a non-employee payee cross the $600/yr threshold (Reg §1.6041-1), iFillPDF auto-fills the 1099-NEC Nonemployee Compensation form (Copy A for IRS paper or e-file, Copy B for the payee, Copy 1 for state, Copy 2 for state attachment) ready for the January 31 e-file deadline. QuickBooks $30/mo and FreshBooks $19/mo charge $4-6 per 1099 filing through a partner like Tax1099 — included on the iFillPDF $8.99/mo Start plan. Your gross receipts feed Schedule C Profit or Loss From Business line 1 (sole proprietor LLC default) or Schedule E (rental income) for clean April 15 IRS filing.

Seven years is the safe US default — IRS 26 USC §6001 + Reg §1.6001-1(e) require books and records sufficient to establish gross income, deductions and credits, retained as long as their contents may become material in the administration of any internal revenue law. The IRS recommends 3 years for ordinary returns, 6 years if you under-reported gross income by more than 25%, and 7 years if you filed a claim for a worthless securities or bad-debt deduction (IRS Pub 583, Starting a Business and Keeping Records). Employment-tax records: 4 years minimum (IRS Employment Tax Recordkeeping). The Bank Secrecy Act + Patriot Act 31 USC §5318(l) Customer Identification Program also expects 5-year retention on customer records. Cross-Atlantic: HMRC MTD VAT 6 years, German GoBD §147 AO 10 years, French LCEN 2004-575 10 years. iFillPDF stores PDF/A-3 invoices in Frankfurt under TADPF for as long as your subscription is active, with one-click ZIP export.

Yes — each invoice carries a payment link to your choice of Stripe Invoicing (0.4% per paid invoice, ISO 20022 FedNow ready), Square Invoices (free + 2.9% + 30¢ on card, free for ACH transfers), PayPal Business (2.9% + fixed), or ACH directly via Plaid + FedNow under the NACHA Operating Rules ($0.50-1.50 per ACH transfer). On a $5K invoice, ACH saves $145 vs the 2.9% card fee — a ~70% reduction. FedNow (the Federal Reserve real-time payment rail launched July 2023) settles in 20 seconds, 24/7/365, vs ACH same-day window of 1-2 business days. Compare 2026: Stripe 0.4% per paid invoice, Square 2.9% + 30¢ card, PayPal 2.9% + fixed, QuickBooks Payments 2.99% + 25¢ card / 1% ACH, FreshBooks Payments 2.9% + 30¢ card.

Yes — send the invoice by magic link and the client signs without creating an account. ESIGN Act 15 USC §7001 + UETA in 49 states + DC e-signature with FRE 902(13) self-authentication audit trail embedded (IP, timestamp, geo, device fingerprint). Cross-Atlantic: EU eIDAS Regulation 910/2014 Qualified Electronic Signature bridge available on Start for EU clients. Files processed at Hetzner Falkenstein eu-central-1 (Germany) under TADPF (Trans-Atlantic Data Privacy Framework, Executive Order 14086) — Cloud Act 50 USC §3024 shielded by EU-only data residency, FISA 702 surface zero. AES-256-GCM at rest + TLS 1.3 in transit, SOC 2 Type II + ISO 27001:2022 controls, 24h auto-purge post-download. Never used to train third-party AI per GDPR Art. 5 + Art. 22, CCPA §1798.140 and Brazilian LGPD Art. 7. Canva SERP-1, Adobe Express SERP-4, Square SERP-7 and QuickBooks SERP-9 all process on US AWS without TADPF surface coverage — your invoice and W-9 cross the Atlantic.