Settle vs. Invoice2go
A Invoice2go alternative for solo contractors
What Invoice2go costs, where it caps you, and when it is the better pick. Prices checked October 27, 2026.
Invoice2go is an invoicing app with plans by yearly invoice count and card-fee tiers. Settle is a free iPhone app for solo contractors with no cap on estimates or invoices, where payments go to your own Stripe account. Choose Settle if you work alone on an iPhone. Stay with Invoice2go if you want reports and QuickBooks or Xero connections.
Side by side
| Settle | Invoice2go | |
|---|---|---|
| Unlimited estimates and invoices | Free: $0, no document limit | Premium, $449.99 a year billed annually ($539.88 a year billed monthly) |
| Limits on lower plans | None on any plan. AI drafts: 3 free, then Pro | Starter allows 30 invoices a year and Professional allows 100; unlimited starts at Premium |
| Free plan | Yes | Not listed on the pricing page |
| Card payment fee | Stripe's standard 2.9% + 30¢ paid to Stripe; Settle adds nothing | 3.5% on Starter, 3% on Professional, 2.9% on Premium |
| Payouts | Paid straight to your own Stripe account. Stripe sets payout timing and runs its own risk checks; Settle never holds the money | Bank transfers are free on all plans; card fees fall as you move up a plan |
| Scheduling and dispatch | No | Not listed on the pricing page |
| Platforms | iPhone only | iPhone, Android, web |
From each company's public pages, checked October 27, 2026. Confirm on Invoice2go's page before you buy.
Why contractors look for a Invoice2go alternative
Yearly invoice caps, and lower card fees only on the top plan
Invoice2go's pricing page lists 30 invoices a year on Starter, 100 on Professional, and unlimited on Premium. Card payment fees are 3.5%, 3% and 2.9% by plan, and phone support is Premium only. Settle has no invoice cap and adds no fee to payments.
Source: Invoice2go pricing
Cancelling and being charged again
Invoice2go's billing policy says cancelling stops future charges and takes effect at the end of your current period, and a 100% refund is offered if you cancel within 30 days. Some reviewers describe charges after cancelling. Settle's subscription is billed by Apple and cancels in your iPhone settings.
"Canceled 2yrs in a row still being charged."Invoice2go reviewer, TrustpilotSource: Invoice2go billing policy
Support by phone only on the top plan
Invoice2go's pricing page lists phone support under Premium only. On Settle, you can text a person: Nina's number is on every page of this site.
Source: Invoice2go pricing
When Invoice2go is the better choice
- You want reports and QuickBooks or Xero connections. Invoice2go lists them on Professional.
- You invoice in several currencies or outside the US.
- You want Android or web. Settle is iPhone only.
When Settle is not the right app
We would rather you know before you download:
- iPhone only. There is no Android app and no web app.
- No scheduling, dispatching, GPS or time tracking.
- No QuickBooks sync. You can export everything to CSV.
- One user per account. No crew or team logins.
- Documents live on your phone. There is no sync between devices yet.
- English only for now.
- A new app from a small team. Most of the apps it competes with have been around for years.
How to switch from Invoice2go
Invoice2go's billing policy says cancelling takes effect at the end of your billing period. Its terms say you can still export your account information from the web platform after a subscription expires.
There is nothing to import into Settle. Open the app, tap the orange button, and describe your next job. Your own prices are remembered from what you send, so your old price list doesn't need to come along.
Questions
Is Settle a good alternative to Invoice2go?
Settle is a good alternative to Invoice2go if you work alone, use an iPhone, and want no cap on how many estimates and invoices you send. It is not a replacement if you need scheduling, dispatch, a crew login, QuickBooks sync, or an Android or web app.
How much does Invoice2go cost compared to Settle?
Invoice2go: Premium, $449.99 a year billed annually ($539.88 a year billed monthly). Cheapest plan: Starter, $79.99 a year billed annually ($95.88 a year billed monthly). Starter allows 30 invoices a year and Professional allows 100; unlimited starts at Premium. Settle's free plan sends unlimited estimates and invoices; Settle Pro is $19.99 a month or $149.99 a year and adds unlimited AI-written drafts. Prices checked October 27, 2026.
Can I export my data from Invoice2go before I switch?
Invoice2go's billing policy says cancelling takes effect at the end of your billing period. Its terms say you can still export your account information from the web platform after a subscription expires.
Does Settle hold my money?
No. Customers pay through a link, and the payment goes to a Stripe account in your own name. Settle takes no cut and is never in the money path. Stripe sets payout timing and still runs its own identity and risk checks, as it does for any business.
Sources
Try Settle alongside Invoice2go.
Free on iPhone. Unlimited estimates and invoices. 7 days of Pro to try the voice drafts, and you cancel in two taps.
Download on the App StoreiPhone, iOS 17 or later. Questions? Text Nina: (818) 945-9686