If you run a small business in New Zealand, you know that invoicing isn't just about getting paid — it also means handling GST at 15%, printing your GST number on every tax invoice, and keeping records tidy for IRD. The right invoicing app makes all of that simple. The wrong one costs you time, money, or both.
We've tested the most popular options available to NZ businesses in 2026. Here's what we found.
What to look for in NZ invoicing software
Before diving into the list, here's what actually matters for a New Zealand business:
- GST support at 15% — it should calculate and display GST automatically
- NZD as default currency — you shouldn't have to fight the app to invoice in dollars
- GST number on invoices — a legal requirement for GST-registered businesses
- NZ bank account field — so customers can pay by internet banking
- Simple enough to use without an accountant
- Free or low cost — most NZ small businesses don't need enterprise-grade accounting
1. MyBillDash — Best free option built for NZ
MyBillDash is a New Zealand-built invoicing tool designed specifically for freelancers, sole traders, and small businesses. It's the only option on this list that was built with NZ requirements as the starting point rather than an afterthought.
What it does well:
- GST at 15% calculated automatically on every invoice
- Your GST number and NZ bank account appear on every invoice
- Send professional PDF invoices and quotes by email in minutes
- Convert an approved quote to an invoice in one click
- Track what's paid, overdue, and outstanding
- GST report for IRD filing
- Works on phone and desktop — no app install needed
Pricing: Free forever plan (3 invoices, 3 quotes per month). 2-month unlimited free trial with no credit card needed. Paid plans from $10/month.
Best for: Tradies, freelancers, sole traders, and small businesses who want something simple and NZ-specific.
2. Xero — Best for growing businesses
Xero is the most popular accounting software in New Zealand and for good reason — it's powerful, well-supported, and deeply integrated with NZ tax requirements including GST, payroll, and IRD filing. It's also significantly more expensive than pure invoicing tools.
What it does well: Full accounting, bank feeds, payroll, GST returns, inventory, and hundreds of integrations.
Pricing: Starts from $27/month (Ignite plan). No free plan.
Best for: Businesses that need full accounting, not just invoicing. If you just want to send invoices, Xero is likely more than you need.
3. MYOB — Established NZ accounting software
MYOB has been a staple for NZ businesses for decades. Like Xero, it's a full accounting platform rather than a focused invoicing tool. It handles GST, payroll, and IRD requirements well.
Pricing: Starts from around $27/month. No free plan.
Best for: Businesses already using MYOB, or those who prefer local support.
4. Wave — Free but US-focused
Wave is a genuinely free invoicing and accounting tool, but it's built primarily for the US and Canadian markets. GST at 15% can be configured manually, but it's not a first-class feature. Currency defaults to USD, and there's no NZ bank account field on invoices.
Pricing: Free for invoicing. Paid add-ons for payroll and payments.
Best for: NZ businesses with mostly international clients who don't need GST on invoices.
5. FreshBooks — Polished but pricey
FreshBooks is a well-designed invoicing and time-tracking tool popular with freelancers globally. It supports multiple currencies including NZD and can handle GST manually. The interface is excellent, but the price point is hard to justify for a simple invoicing need.
Pricing: From USD $19/month (~NZD $33/month). No free plan.
Best for: Freelancers who also need time tracking and don't mind paying a premium.
6. Invoice Ninja — Free and open source
Invoice Ninja is an open-source invoicing tool with a free hosted plan. It's feature-rich and highly customisable, but the interface can feel complex for users who just want to send a quick invoice. GST can be configured but requires some setup.
Pricing: Free hosted plan (up to 20 clients). Paid plans from USD $12/month.
Best for: Tech-savvy users who want a free tool and don't mind configuring it.
7. Rounded — Simple invoicing for AU/NZ freelancers
Rounded is an Australian-founded invoicing and expense tracking tool that also supports NZ. It's clean and simple, with decent GST support. Less feature-rich than Xero but more focused on invoicing than accounting.
Pricing: From AUD $15/month. No free plan.
Best for: Freelancers who also want basic expense tracking.
Quick comparison
| App | Free plan | NZ GST 15% | NZD default | Starting price |
|---|---|---|---|---|
| MyBillDash | ✅ | ✅ | ✅ | Free / $10/mo |
| Xero | ❌ | ✅ | ✅ | $27/mo NZD |
| MYOB | ❌ | ✅ | ✅ | ~$27/mo NZD |
| Wave | ✅ | ⚠️ Manual | ❌ | Free |
| FreshBooks | ❌ | ⚠️ Manual | ⚠️ Manual | ~$33/mo NZD |
| Invoice Ninja | ✅ | ⚠️ Manual | ⚠️ Manual | Free / ~$20/mo NZD |
| Rounded | ❌ | ✅ | ✅ | ~$17/mo NZD |
The verdict
If you're a NZ freelancer, tradie, or sole trader who just needs to send invoices and quotes, track payments, and handle GST — MyBillDash is the clear pick. It's the only option that was built specifically for NZ from day one, it's free to get started, and it doesn't bury you in accounting features you'll never use.
If you need full accounting — bank feeds, payroll, filing GST returns directly with IRD — then Xero is the NZ standard and worth the cost.
For everyone in between, start free with MyBillDash and upgrade only if you outgrow it.
Ready to try MyBillDash? Sign up for a free 2-month trial — no credit card needed. Send your first invoice in under 5 minutes.
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