Xero is full cloud accounting software popular with small businesses and their accountants. It's powerful, but there is no free plan, and it is far more than you need if you simply want to send an invoice.
Compiled from Xero’s public information (2026). Always check the provider’s site for current terms.
If you just need to hand a client a clean invoice, estimate or receipt as a PDF, you don’t need a full subscription. Free BizDoc is a free, no-sign-up generator — fill in the details, and download the PDF in seconds. US sales tax, UK VAT, Australian GST and Canadian GST/HST are built in. Here’s how it compares with Xero.
Free BizDocthis tool | Xeroaccounting software | |
|---|---|---|
| Create & download without an account | Yes | No — account required |
| What’s free | Unlimited creation; 2 PDF downloads/hour. Free account saves 5 docs. | No free plan (30-day trial) |
| Your data stored on their servers | No — made in your browser (unless you save) | Yes — cloud account |
| US / UK / AU / CA tax built in | Yes | Yes |
| Online card payments | No | Yes (fees) |
| Full accounting / recurring | Basic management on PRO; no full accounting | Yes — full double-entry |
| Price | Free; PRO $15/mo optional | From ~$20/mo |
Prices and free limits change — the figures above are from Xero’s public information in 2026 and may differ now. “Account” means you must register before you can create or download a document.
You need proper double-entry accounting, bank reconciliation, payroll and an accountant-friendly platform — not just invoices.
Yes. Free BizDoc lets you create and download an invoice PDF for free with no account and no trial. Xero is full cloud accounting software popular with small businesses and their accountants.
With Xero you need to create an account first. With Free BizDoc you can fill in a document and download the PDF straight away — nothing to register, and the document is generated in your browser rather than stored on a server.
For simple, occasional invoicing with no cost or sign-up, Free BizDoc is quicker. Xero is the better pick if you need proper double-entry accounting, bank reconciliation, payroll and an accountant-friendly platform — not just invoices.
