If you're looking for a Billfy alternative, oto is a more complete freelancer tool that combines proposal, contract, invoice, time tracking, expense and client relationship management into one tool. It automates proposal and contract creation based on logged time, and it can also generate proposals and contracts with AI, reviewed by lawyers. OTO also handles payment processing with Stripe and PayPal, so it's a good option for handling both client relationships and payments.
Another good alternative is Fiskl, an AI-powered multcurrency accounting tool for small businesses and freelancers. It offers invoicing, automated bank synchronization, tax tracking and real-time cash flow monitoring. Fiskl supports more than 170 currencies and can link to a wide range of financial institutions, so it's good for handling international financial transactions. The tool is designed to be easy to use and works on mobile devices.