ReckonOS is invoicing and money software for freelancers, agencies and studios. It sends invoices in your own stationery, works out how much of each payment to set aside for tax under the rules where you work, and shows each project’s true margin after hours, contractors and software.
$7 today for 7 days of full access. On day 7 Pro starts at $99 a month (or $948 a year) unless you cancel first. Cancel any time from Settings > Billing. VAT or sales tax may be added at checkout.
What you keep
Sample dataQ4 2026, a New York business
One project followed all the way: a $12,500 brand refresh for a coffee company.
$12,500 invoiced to Halden Coffee Co.
Pick one of 15 templates. Your logo goes on it, or a monogram if you have none. ReckonOS works out VAT, GST or reverse charge from where you and your client are based.
$12,500 received by bank transfer
Your client opens a private link and pays through the Stripe, Paystack, PayPal, Flutterwave or crypto account you connected, or by bank transfer. ReckonOS never holds the money.
−$3,500 to set aside at 28%
Each payment is split. VAT or GST you collected is reserved in full, and an income-tax share at the rate you choose, from 20% to 35% (28% to start).
$4,200 yours, after $4,800 of project costs
Hours at each person’s cost rate, contractor fees and software filed to the project come off. What is left is yours to spend.
Worked example with sample numbers. Estimates based on the rules for the United States as of November 2026. Check with your accountant. The reserve is a calculation; the money stays in your own account. Sources: IRS Form 1040-ES (opens in a new tab); IRS Publication 505 (opens in a new tab).
Built first for the United States, the United Kingdom and Nigeria. Canadian, Australian and EU rules are in every plan too.
One person, clients anywhere. Invoices that look like your work and a number for what to set aside before tax day.
Our pick: Starter, $49 a month
Teams of 2 to 10. Margin on every project after hours and contractors, and reminders that chase late payers on a fixed schedule.
Our pick: Pro, $99 a month
Up to 50 people, several currencies and processors, and invoices that carry only your brand.
Our pick: Studio, $199 a month
Every picture on this page is the real product, filled with the sample workspace.
Every template uses your uploaded logo, or a monogram in your brand colour if you have none. The PDF your client downloads is rendered from the same template, and you choose one export format for the whole workspace.
ReckonOS uses where you and each client are based to apply that country’s rules: VAT, GST, reverse charge, Nigerian VAT, US estimated tax quarters. The Tax Reserve Vault then shows what to set aside and what is left to spend. The Vault is a calculation; the money stays in your own account.
Estimates based on the rules for the United States, the United Kingdom, the EU, Canada, Australia and Nigeria as of November 2026. Check with your accountant. Sources: IRS: Form 1040-ES (opens in a new tab); IRS: 1099-NEC instructions (opens in a new tab); GOV.UK: VAT rates (opens in a new tab); European Commission: VAT rates (opens in a new tab); Canada Revenue Agency: GST/HST (opens in a new tab); Australian Taxation Office: GST (opens in a new tab); Nigeria Tax Act 2025, s.147 (opens in a new tab).
Cost of Execution (CoE) is everything it costs you to deliver a project: the hours your team spends valued at their labour rate, contractor fees, and the software and other expenses you file against that project. True margin is what you billed minus the Cost of Execution.
In the sample: $12,500 billed, $4,800 of hours, contractor and software, a 61.6% margin. On Pro and Studio.
Every invoice has a private link: the balance, the due date, one download in your format, and the ways you accept payment, in the order you set. Connect Stripe, Paystack, PayPal, Flutterwave, NOWPayments, CoinPayments, BitPay or CoinGate: 1, 3 or 8 of them depending on plan.
If one processor pauses your account, switch new invoices to another. It is a backup route, not a way around a provider’s review.
Photograph a receipt; the text is read on ReckonOS’s own servers and you confirm the merchant, date and total before it is filed to a project. 50, 500 or 2,000 scans a month by plan.
Read more about receipt scanning →Download any invoice as a UBL file in the Peppol BIS Billing 3.0 format. Sending it over the Peppol network still needs a certified access point.
Read more about peppol-ready export →Invoices and reminders go out from your address, with SPF, DKIM and DMARC checks shown in settings. Reminders run 3 days before the due date, on the day, then 3, 7 and 14 days after.
Read more about email from your own domain →ReckonOS is invoicing and money software for freelancers, agencies and studios. It sends invoices in your own stationery, takes client payments through your own gateway accounts, estimates how much of each payment to set aside for tax, and shows each project’s true margin after costs.
People who bill clients for projects, retainers or time: freelancers and consultants, agencies of 2 to 10 people, and studios of up to 50. It is built first for the United States, the United Kingdom and Nigeria.
Every plan applies the published rules for the United States (estimated tax quarters, prior-year safe harbor, 1099-NEC thresholds), the United Kingdom and the EU (VAT, reverse charge, One Stop Shop), Canada (GST/HST, QST and PST), Australia (GST) and Nigeria (VAT at 7.5%, exported services zero-rated). Each rule shows its source and the date it was checked.
No. ReckonOS applies published rules to your invoices and payments and shows an estimate, with the rule and its date. Check the numbers with your accountant before you file; your accountant can join your workspace on a free seat.
You pay $7 and get every feature for 7 days. On day 7 the plan you picked starts at its listed price unless you cancel first, which you can do any time from Settings > Billing. The $7 is your first payment, so the 30-day refund window starts that day. VAT or sales tax may be added at checkout.
Stripe, Paystack, PayPal, Flutterwave, NOWPayments, CoinPayments, BitPay and CoinGate, through your own accounts, plus bank transfer with your details on the invoice. ReckonOS adds no fee to what your clients pay you.
It covers the money side of client work: invoices, payments, project costs, expenses and tax estimates. It is not a general ledger and does not file returns. It exports P&L, tax summary, ageing reports and a 1099 CSV for your accountant.
In 7 days: add your logo, send a real invoice, record the payment, then see its margin and the tax to set aside. Every feature is open during the trial.
$7 today for 7 days of full access. On day 7 Pro starts at $99 a month (or $948 a year) unless you cancel first. Cancel any time from Settings > Billing. VAT or sales tax may be added at checkout.
