Free Invoicing & Accounting Software for the USA

BusinessOS is free accounting software USA freelancers and small businesses actually enjoy using. Free invoice software with no card, no invoice cap, and no monthly fee during limited early access. USD currency, configurable state sales tax handling, 1099-ready expense tracking, and encrypted data storage.

Whether you need free accounting software for a US LLC, a small business owner, an independent contractor, or a freelance consultant — BusinessOS covers the full stack: invoicing, expenses, customer CRM, cash flow, and reports. All on your device, all encrypted.

American tax compliance features

• USD currency and formatting throughout
• Configurable state sales tax rates (California, Texas, Florida, New York, and more)
• Expense tracking suitable for Schedule C preparation
• Income and expense reports ready for tax filing
• 1099 contractor payment tracking
• Multi-state operation support
• Clean CSV export for accountants using QuickBooks or Xero

Cities and regions served

BusinessOS works everywhere with an internet connection to sign up — and fully offline after that. Currency, tax, and language settings adapt to your location. Popular cities:

• New York City, NY
• Los Angeles, CA
• Chicago, IL
• Houston, TX
• Phoenix, AZ
• Philadelphia, PA
• San Antonio, TX
• San Diego, CA
• Dallas, TX
• Austin, TX
• Miami, FL
• Seattle, WA
• Denver, CO
• Boston, MA
• San Francisco, CA
• Atlanta, GA

Built for these industries

• Freelancers (designers, developers, marketers, writers, consultants)
• Small agencies and creative studios
• Independent contractors filing 1099s
• E-commerce store owners
• Restaurants, food trucks, and cloud kitchens
• Retail shops and boutiques
• Real estate agents and brokers
• Photographers and videographers
• Coaches, consultants, and therapists
• Independent legal, medical, and dental practices

Complete feature set

• Unlimited invoices and quotations
• One-click quote-to-invoice conversion
• Expense tracking with receipts
• Customer CRM with pipeline and trust scoring
• Product and inventory management
• Cash flow forecasting and tax set-aside
• P&L, balance sheet, and tax reports
• Multi-currency with automatic conversion
• Voice invoicing (English + Arabic)
• One-tap WhatsApp send on every invoice
• PDF export with your branding
• Zero-knowledge encryption
• Works fully offline
• Installs as a native app on any device

Privacy first

BusinessOS stores your data with zero-knowledge encryption. Everything is encrypted on your device with AES-GCM using a key derived from your password. If our servers are ever breached, an attacker only gets encrypted noise — not your revenue figures, customer list, or bank details.