Hours, invoices, expenses and VAT. In one place, for one person.
Bilio does the admin a freelancer actually has: track the hours, get the proposal accepted, send the invoice, chase it, file the receipt, know what you owe the tax office this quarter. Here is everything it does, with what’s new marked New.
“The overview dashboard is a game-changer. I can open Bilio and instantly see how I’m doing, where I’m earning, and what needs attention. It’s the clarity I didn’t know I needed.”
Send an invoice in four minutes, then watch it get opened.
Pick one of nine designs and set your brand colour, font and logo, with a live preview of your latest invoice. Choose the currency your client pays in, with per-line VAT and discounts. Bilio puts your KvK and VAT numbers, and your client’s, under the addresses, adds a How to pay block with IBAN, BIC and the invoice number as reference (plus a QR code banking apps can scan, if you switch it on), and checks before you send that the invoice shows what Dutch law requires. Send from Bilio and see when your client received and opened your invoice, right on the invoice, so “I never got it” stops being a conversation. Quotes work the same way and show your win rate; when the client accepts, one click turns the quote into the invoice. Number invoices your way: INV-2026-10-015, a year-and-month code, or your own text. Bilio keeps them unique and consecutive.
- Nine designs, your brand colour and font
- Multi-currency invoices with today’s exchange rates in one click
- Per-line VAT rates
- Discounts per line or per invoice
- KvK and VAT numbers on every invoice
- Before-you-send check
- How to pay block, optional payment QR
- PDF download
- Received and opened, right on the invoice
- Outbox: sent, delivered, opened, bounced
- Quote to invoice
- Invoice numbering your way
- CSV export
- Recurring invoices for retainers
- Five languages
“I used to spend hours each week on admin. Now, with Bilio’s recurring invoices and email tracking, I barely lift a finger. It’s like having an assistant who never forgets.”
Alexander GrifithsContent Strategist
Track the hours. Bilio writes the invoice.
Start a timer when you begin, or type the time afterwards as 1:30, 1,5 or 90m. Each entry has a client and a project and is billable or not, so the admin hours you can’t bill are logged too. See your week at a glance. When it’s time to bill, pick the client: Bilio makes a draft invoice from their unbilled hours, one line per project or per day and task, at their hourly rate or your default, showing the dates you worked. Delete that invoice and the hours are free to bill again. Your assistant can log and invoice hours too.
Time tracking for freelancers- A timer, or time typed afterwards
- Per client and project
- Billable or not
- Unbilled hours into a draft invoice
Your client says yes online.
Every proposal you send has a private link, in the email as View and accept. Your client reads it in your design and the language you chose, and accepts by typing their name, or declines with a reason. The proposal marks itself, keeps the answer as evidence, and you get an email. One click turns it into the invoice.
- A private link per proposal
- Accept by typing a name
- Decline with a reason
- The answer kept as evidence
Fix a sent invoice the way the law wants.
A sent invoice isn’t edited; it’s corrected. Correct with a credit note makes a draft with every amount negated, its own number and a reference to the original: a creditfactuur in Dutch, a Rechnungskorrektur in German, a factura rectificativa in Spanish. Once issued, it settles what was still to pay. Every invoice keeps a history of each change, even after it’s deleted.
Creditfactuur maken (Dutch guide)- Amounts negated, own number
- Reference to the original
- Settles the open amount
- A history of every change
E-invoices your client’s system can read.
Download any invoice as a UBL e-invoice (Peppol BIS Billing 3.0 with the Dutch NLCIUS rules), or as an XRechnung with the Leitweg-ID for German public bodies. Bilio picks the VAT category for each situation, from reverse charge to KOR, and tells you when something a valid e-invoice needs is missing. Sending over Peppol follows in February, included on Business.
- UBL, Peppol BIS Billing 3.0
- XRechnung with Leitweg-ID
- VAT category per situation
- A note when something is missing
Invoices in your client’s language.
Bilio and your invoices in English, Dutch, German, Spanish or Bulgarian. Set a default, one per client, or choose per document; every design prints its labels, dates and amounts in that language, with the lines each country expects: German invoices in the formal Sie with the UStG lines, Bulgarian ones with Оригинал and the tax event date, Spanish corrections as a factura rectificativa. The Dutch KOR and the German § 19 UStG small business schemes are built in: switch yours on once and your invoices have no VAT column, just the total and the line the scheme requires.
- 🇬🇧 🇳🇱 🇩🇪 🇪🇸 🇧🇬
- A default, per client or per document
- Each country’s legal lines
- KOR and § 19 UStG
A month of receipts, read in one go.
Drop in a stack of receipts at once and Bilio reads each one: supplier, date, amount, VAT and the supplier’s country, into a draft expense marked To review, with possible duplicates flagged. Nothing unchecked reaches your VAT return until you confirm it. Mark what is deductible and it lands in the right box. You also get your own inbox address: forward receipts from your email and they file themselves.
Know what you owe before the quarter ends.
Your VAT collected, VAT paid and the balance, per quarter, with the deadline shown. Dutch btw with KOR support, the UK VAT return with its nine boxes per VAT period, Spanish IVA with a Modelo 130 estimate, Bulgarian DDS, and the EU reverse-charge rules for business clients abroad: Bilio checks each client’s VAT number with VIES (and fills in their registered name and address), suggests the VAT treatment from their country and prints the legal wording on 0% invoices. The btw-aangifte is laid out box by box like the form in Mijn Belastingdienst, with the ICP list next to it and an export your accountant can file from.
“Keeping up with VAT used to be a nightmare. Bilio tracks everything in real time, and the reports are ready whenever I need them. I haven’t touched a spreadsheet in months.”
Nela LinaresCreative Marketing Leader
A pay button on every invoice, money straight to you.
Invoices carry a payment link: iDEAL, card or SEPA, paid to your own Stripe account, and the invoice marks itself paid. Stripe’s fee plus 1% to Bilio per online payment. Bank transfer stays the default, and free; the button is there for clients who want it. Automatic reminders go out on the schedule you choose, with a late-fee option.
- iDEAL, card or SEPA
- Paid into your own account
- Invoice marks itself paid
- Automatic reminders on Pro
Your bank, matched to your invoices.
Import the statement your bank exports: CAMT.053, MT940, or the CSV of ING, Rabobank, ABN AMRO, bunq, Knab, Revolut, Wise or N26. Payments in are matched to open invoices by number, amount and client, and marked paid on the day the money arrived; payments out are linked to expenses or added for you to review. Importing the same statement twice adds nothing. Live bank feeds follow in January: three accounts on Pro, unlimited on Business.
- CAMT.053, MT940 or your bank’s CSV
- ING, Rabobank, ABN AMRO, bunq, Knab
- Revolut, Wise, N26
- Paid on the day the money came in
Ask Claude to draft the invoice.
Bilio has an MCP connector. Connect it from Claude, ChatGPT or Cursor in under a minute and ask: “who hasn’t paid me?”, “draft an invoice for Brightfold for 40 hours at 120”, “mark 2026-049 as paid”. Drafts wait for you in Bilio and never reach a client on their own. Your assistant can send invoices, quotes and reminders, but only after you OK a preview of the email. You switch on what each assistant may do, and every delete needs your confirmation.
How it works- Claude, ChatGPT and Cursor
- Read, draft, change status, delete and send
- In the 14-day free trial too
- You choose what each assistant may do
“The AI suggestions have been surprisingly helpful. Bilio flagged overspending trends I had missed and suggested ways to rebalance my pricing. My profits are up, and I feel in control.”
Natalia RicoFreelance Software Engineer
Invite a colleague. Or your boekhouder, free.
Owner, admin and viewer roles, and an Accountant role, free on every plan: your bookkeeper reads everything, changes nothing, and makes the year package themselves. One ZIP with the year’s invoices, expenses and clients as CSV, the VAT return per quarter, the ICP list, every receipt and the invoice PDFs as sent.
Questions about the product.
Weighing Bilio against other tools? Read which invoicing software a freelancer should use.
Is Bilio really free?
Do I need a card to start?
Can I send quotes?
Can I keep my existing invoice numbering?
Can I track hours in Bilio?
How do I correct an invoice I already sent?
Can Bilio make e-invoices?
Which languages does Bilio speak?
Does Bilio support recurring invoices?
Can my accountant use it?
What happens if I cancel?
Is my data safe?
Which countries does the VAT reporting cover?
Is Bilio MTD compatible for UK VAT?
Your first invoice takes four minutes.
Create an account with your email and follow the five-step setup: business details, VAT and KvK, IBAN, first client, first invoice. No card, no setup fee, no downloads. Cancel any time and take your data with you.