As of 1st May 2018, I will be utilising WaveApps.com and moving away from FreshBooks for invoicing and accounting purposes. They both provide similar features and Credit Cards integration with Stripe payment platform, but WaveApps takes it to the next level with zero monthly cost. This package is, however, designed for small businesses and there can be issues with GST calculations on invoices as this product primarily targets the US market. For non-GST-registered individuals, it is a great and free tool. Tools like MYOB Essentials, XERO, Quickbooks have been taken into consideration, but I do not see a value for money (with respect to my current needs). Let me know your experience with this or similar product.