Settle is built around how freelancers actually work — not how accountants think you should. Create an invoice from a rough job description, send it, and get paid. No training courses, no spreadsheets.
Whether you are a designer, developer, writer, consultant, or photographer — if you bill clients for your time or deliverables, Settle handles the paperwork so you can stay in your creative flow.
Most invoice software is built for accountants. Settle is built for people who sell their time and skills.
Settle converts your accepted estimate into a final invoice with one tap — line items, client details, and rates carry over. No copy-paste, no re-entering the work.
Use Settle's built-in timer to track time against projects. When the project wraps, your hours are right there ready to drop into the invoice — no spreadsheet needed.
Scan the receipt with your iPhone and Settle pulls out the amount, date, and merchant. Categorise it against the project and it appears in your reports automatically.
Settle handles deposits, retainers, and partial payments. Set the deposit amount on the invoice, collect it via Stripe, and the balance updates automatically when the rest comes in.
Settle pulls live exchange rates and lets you invoice in any currency. Create the invoice in their currency, get paid via Stripe in yours. The conversion is handled.
Settle drafts a payment reminder in your tone using AI. You review it, tap send from Mail, and the awkward conversation is done. You can also see when the client opened the invoice — useful context before sending the nudge.
Everything a freelancer needs to manage billing — nothing a freelancer doesn't.
Try the free online invoice generator — no account needed. Fill in the details and download your PDF in seconds.
Settle is designed specifically for freelancers and small service businesses on Mac. Unlike full accounting software, it focuses on the parts that matter most to freelancers: creating invoices quickly, tracking payments, sending Stripe payment links, and keeping everything in sync with iPhone via iCloud.
Most freelancers do not need full accounting software — they need an invoice tool. Settle handles invoicing, estimates, expense tracking, and payment collection. For tax filing, you may still want a separate tool or accountant, but day-to-day billing is fully covered by Settle.
Yes. Settle supports multi-currency invoicing with live exchange rates. You can invoice a client in USD while your home currency is GBP, for example. Stripe handles the currency conversion at payment time.
Yes. Settle is ideal for sole traders, self-employed professionals, and small service businesses. It handles everything from quoting and invoicing through to payment collection and expense tracking — without the complexity of enterprise accounting software.
Yes. Settle includes a built-in timer that tracks time against projects on both Mac and iPhone. When you are ready to invoice, your tracked hours are ready to add as line items. Mac and iPhone widgets show active timers at a glance.