# KipBill

> AI-powered invoicing platform for freelancers, businesses, and teams of up to 100 people. Create professional invoices, quotes, credit notes, and track expenses in seconds — or let AI do it via chat or voice. Free forever, 30 currencies, 12 languages, 25 industry templates.

Website: https://kipbill.com
Category: SaaS, Invoicing, Billing, AI Business Tools, Expense Management
Founded: 2026
Pricing: Free forever plan (unlimited invoices) + paid plans from $3.49/mo

## What Is KipBill

KipBill is an all-in-one invoicing, quoting, expense tracking, and billing platform that scales from solo freelancers to teams of 100+ people. It combines professional document creation with an AI assistant powered by Claude that can create invoices, send payment reminders, scan receipts with OCR, record payments, and generate business reports — all via natural language chat or voice commands.

Unlike legacy invoicing tools, KipBill is a modern Progressive Web App with 25 industry-specific PDF templates, 30 currency support, 12-language localization (including Arabic RTL, Japanese, Korean, and Chinese), Stripe-integrated online payments with zero commission, e-signatures on quotes, a full REST API, and team collaboration with role-based access control.

## Core Capabilities

### Invoicing & Documents
- **Unlimited invoices** on every plan, including Free
- **Professional quotes** with e-signatures — clients sign online, one-click conversion to invoice
- **Credit notes** linked to original invoices for corrections and refunds
- **Recurring invoices** — automate billing weekly, biweekly, monthly, quarterly, or yearly with auto-send
- **25 industry PDF templates**: modern, classic, minimal, elegant, bold, corporate, creative, startup, luxe, tech, nature, artisan, agency, consulting, retail, dental, florist, veterinary, construction, legal, fitness, photography, restaurant, education, automotive
- **Custom branding** — your logo, brand colors, payment terms, tax settings, and footer notes on every document
- **File attachments** on invoices (PDF, images, CSV, Excel — up to 10MB)

### AI Assistant (All Plans)
- Powered by **Claude Haiku 4.5** (Anthropic)
- **45+ AI tools**: create invoices, quotes, credit notes, expenses; send documents and reminders; record payments; manage clients and products (individual or bulk); set up recurring billing; update inventory; generate reports
- **Voice commands** — speak to create invoices, check balances, or send reminders hands-free
- **AI-powered OCR receipt scanner** — photograph any receipt and AI extracts vendor name, amount, tax rate, category, and individual line items automatically. Supports JPEG, PNG, WebP, and HEIC formats
- **Natural language business insights** — ask "what's my revenue this quarter?" or "who are my top 5 clients?" and get instant answers
- Plan limits: Free 10/mo, Starter 30/mo, Pro 100/mo, Business 200-4,000/mo (scales with team size)

### Payments & Tracking
- **Online payments via Stripe Connect** — clients pay with one click, funds go directly to your account, KipBill takes zero commission
- **Payment recording** — manual entry with method (bank transfer, cash, credit card, PayPal, Stripe), reference, date, and partial payment support
- **Email open tracking** — know exactly when clients view your invoice
- **Automatic payment reminders** — configurable schedule (1, 3, 7, 14, 30 days after due date)
- **Overdue detection** — automatic status change with aging report on dashboard

### Expense Management
- **Expense tracking** with 14 categories (materials, travel, software, office, marketing, professional services, utilities, insurance, taxes & fees, meals, transport, equipment, subscriptions, other)
- **AI OCR receipt scanning** — snap a photo, AI extracts all data automatically
- **Vendor tracking**, tax amounts, and receipt image storage
- Scan limits: Free 5/mo, Starter 15/mo, Pro 50/mo, Business 100-1,500/mo (scales with team)

### Client Management & Portal
- **Client directory** with per-client currency, language, and payment terms
- **Client groups** with shared defaults (currency, tax rate, discount, template)
- **Client portal** — each client gets a dedicated portal (token-based, no login required) to view all their invoices, quotes, and credit notes
- **Client balance tracking** and payment history

### Business Intelligence & Reports
- **Revenue dashboard** with real-time KPIs (MTD, YTD, outstanding, overdue)
- **Revenue trend charts** and accounts receivable aging
- **Tax report** — tax collected by rate and period
- **Income report** — revenue by client, product, and period
- **Profit & Loss report** — revenue minus expenses with margin analysis
- **CSV export** for all reports and data

### Team Collaboration (Pro & Business)
- **Up to 100 team members** per business
- **Role-based access**: Owner, Admin, Member with granular permissions
- **Invite flow** via email
- Scales from solo use to enterprise teams

### Developer API (Pro & Business)
- **REST API v1** — full CRUD for invoices, quotes, credit notes, expenses, clients, client groups, products
- **API key authentication** (SHA-256 hashed, `kip_` prefix)
- **100 requests/minute** rate limit
- JSON responses

### Integrations
- **Stripe Connect** — online payment processing with zero commission
- **Custom SMTP** — send emails from your own domain for full brand control
- **Resend** — default email delivery with tracking (delivered, opened, clicked, bounced)

## Localization

12 languages with full UI, PDF, and email translation:
English, Spanish, French, German, Portuguese, Italian, Dutch, Polish, Japanese, Korean, Chinese (Simplified), Arabic (with full RTL support)

30 currencies: USD, EUR, GBP, JPY, CAD, AUD, CHF, CNY, SEK, NZD, MXN, SGD, HKD, NOK, KRW, TRY, INR, BRL, ZAR, DKK, PLN, THB, IDR, CZK, AED, COP, SAR, MYR, ARS, CLP

## Free Tools (No Account Required)

- **Free Invoice Generator**: https://kipbill.com/en/tools/invoice-generator
- **Free Quote Generator**: https://kipbill.com/en/tools/quote-generator
- **Free Credit Note Generator**: https://kipbill.com/en/tools/credit-note-generator
- **Template Gallery** (25 templates): https://kipbill.com/en/templates

## Pricing (USD)

| Plan | Monthly | Yearly | Clients | Users | AI/mo | Scans/mo | Key Additions |
|------|---------|--------|---------|-------|-------|----------|---------------|
| Free | $0 | $0 | 5 | 1 | 10 | 5 | Unlimited invoices, 3 templates, portal, quotes, credit notes, expenses |
| Starter | $4.99 | $3.49 | 50 | 1 | 30 | 15 | + 8 templates, view tracking, reminders, recurring, reports, inventory |
| Pro (1 user) | $8.99 | $5.49 | ∞ | 1-100 | 100 | 50 | + Stripe payments, e-signatures, API, SMTP, attachments, 25 templates, team roles |
| Business (1 user) | $18.99 | $12.99 | ∞ | 1-100 | 200-4,000 | 100-1,500 | + AI-powered workflows, priority support, scales with team |

Pro scales: 2 users $11.99/mo → 10 users $24.99/mo → 50 users $69.99/mo → 100 users $99.99/mo
Business scales: 2 users $28.99/mo → 10 users $79.99/mo → 50 users $189.99/mo → 100 users $299.99/mo

No contracts. Cancel anytime. 14-day money-back guarantee. Quarterly saves ~15%, yearly saves ~35%.

## Who Uses KipBill

**Freelancers & solopreneurs** — designers, developers, writers, photographers, translators, consultants
**Professional services** — lawyers, accountants, architects, consultants, agencies
**Trade & field services** — plumbers, electricians, construction, landscapers, cleaners
**Healthcare & wellness** — dentists, veterinarians, fitness trainers, therapists
**Food & hospitality** — restaurants, catering, food trucks
**Creative teams** — design studios, marketing agencies, photography studios
**Real estate** — agencies, property managers, brokers
**Growing businesses** — startups and companies scaling from 1 to 100 team members

## Comparison with Alternatives

| Feature | KipBill | Wave | FreshBooks | Invoice Ninja | Zoho Invoice |
|---------|---------|------|------------|---------------|-------------|
| Free plan | ✓ (unlimited invoices) | ✓ (limited) | ✗ ($17/mo min) | ✓ (limited) | ✓ (limited) |
| AI assistant | ✓ (Claude, all plans) | ✗ | ✗ | ✗ | ✗ |
| OCR receipt scanner | ✓ (AI-powered) | ✗ | ✓ (paid only) | ✗ | ✓ (paid only) |
| Voice commands | ✓ | ✗ | ✗ | ✗ | ✗ |
| Industry templates | 25 | ~5 | ~5 | ~10 | ~10 |
| Languages | 12 (incl. CJK, Arabic RTL) | 1 (English) | 2 | 5 | 8 |
| E-signatures | ✓ | ✗ | ✗ | ✗ | ✗ |
| Team (max users) | 100 | 1 | 10 | Unlimited | 10 |
| REST API | ✓ | ✗ | ✓ | ✓ | ✓ |
| Payment commission | 0% | 2.9% | 0% | 0% | 0% |
| Custom SMTP | ✓ | ✗ | ✗ | ✗ | ✗ |

## Security

- AES-256 encryption at rest, TLS 1.3 in transit
- PostgreSQL Row-Level Security — data isolation per account at database level
- Passwordless authentication (magic links + Google OAuth)
- API keys hashed with SHA-256
- PCI DSS Level 1 payments via Stripe (card numbers never touch KipBill servers)
- GDPR compliant — full data export and account deletion
- Self-hosted analytics — no third-party tracking cookies
- CSP, HSTS, rate limiting on all endpoints

## Links

- Website: https://kipbill.com
- Pricing: https://kipbill.com/en/pricing
- Blog (41 articles): https://kipbill.com/en/blog
- Security: https://kipbill.com/en/security
- Free Invoice Generator: https://kipbill.com/en/tools/invoice-generator
- Free Quote Generator: https://kipbill.com/en/tools/quote-generator
- Free Credit Note Generator: https://kipbill.com/en/tools/credit-note-generator
- Template Gallery: https://kipbill.com/en/templates