Is it worth paying for…

Is it worth paying for Xero?

Last reviewed September 2026. Pricing and plans change; check Xero's own site for current figures.

Short answer: For an occasional invoice or quote as a PDF, this local generator may cover what you need. Xero is a broader accounting service: it may be worth paying for if you need bank reconciliation, payment tracking, reports or collaboration with an accountant.

Where the paywall sits

Xero offers invoicing as part of its accounting plans. See current Australian plans and invoicing features for current allowances and features. This tool makes the document and PDF export free; it does not replace a bookkeeping system.

What the free version here does

Creates invoices and quotes in AUD, with business, customer, ABN and date fields.
Supports no-GST, GST-exclusive and GST-inclusive pricing, and taxable or no-GST lines.
Calculates quantities, line totals, GST and outstanding amounts using integer arithmetic.
Prints a clean document or saves a PDF through your browser’s print dialog.
Downloads and opens editable draft files locally, with no account or uploads.

ABN checks validate format and checksum only. You choose the correct GST registration and line-item treatment for your business.

Open Invoice Generator — free, no account

When paying might still make sense

Consider accounting software if you need automatic bank feeds, reconciliation, recurring invoices, customer payment links, reminders, business reports or shared records. This generator does not send invoices, collect payments, lodge tax returns, maintain a ledger or back up your documents. Save your PDF and draft files yourself.

How this one stays free

It runs entirely in your browser. There is no server to pay for, nothing is uploaded, and the code is open source. There is nothing to cancel because there was nothing to sign up for.

Xero is a trademark of its owner. This page compares products and is not affiliated with or endorsed by Xero.