Free Invoice Generator for Contractors
Independent contractors and self-employed professionals need invoices that look polished and get paid on time. Bilto makes it easy — add your contract description, milestone payments, expenses, and tax details, then download a PDF in under a minute. No account, no monthly fee, no complexity.
Invoicing features built for contractors
Milestone & Project Billing
Invoice per project phase, fixed-fee deliverable, or ongoing retainer. Line items support flexible descriptions so every engagement type is covered.
Expense Line Items
Add reimbursable expenses as separate line items — travel, materials, software subscriptions — clearly itemised for client approval.
Multi-Country Tax
Works for contractors in the US, UK, India, Australia, Singapore, and the EU with correct tax formatting for each jurisdiction.
What to include on a contractor invoice
- ✓Your full name, trading name, and contact details
- ✓Your tax ID or business registration number (where applicable)
- ✓Client company name and billing address
- ✓Unique invoice number and issue date
- ✓Payment due date (state the exact date, not just 'Net 30')
- ✓Detailed description of work completed — scope, deliverable, or period
- ✓Rate (hourly, daily, or fixed) × quantity
- ✓Reimbursable expenses itemised separately
- ✓Applicable taxes and the total amount due
- ✓Payment instructions — bank transfer, SWIFT, PayPal, etc.
- ✓Late payment terms (recommended)
How to create a contractor invoice
- Click "Create Contractor Invoice Free" — no account required
- Enter your name or trading name and contact details
- Add your client's company name and billing address
- Set a unique invoice number and the payment due date
- Add line items: work completed, daily/hourly rate, and any reimbursable expenses
- Select your country for correct tax formatting
- Add your payment details in the notes section
- Download as a professional PDF and send to your client
Frequently Asked Questions
Should contractors charge VAT or GST on their invoices?
It depends on your country and turnover. In the UK, VAT registration is required above £90,000 turnover. In Australia, GST registration is required above $75,000 AUD. In India, GST applies above ₹20–40L. In the US, contractors typically don't charge sales tax on services (though rules vary by state). Always confirm with a local tax adviser.
What payment terms should a contractor use?
Net 14 or Net 30 are most common for contractors. For new clients or large contracts, consider requesting a deposit upfront (30–50%) with the remainder on completion. Always state the exact due date on the invoice — not just terms — and include late payment interest if applicable.
Can I invoice under my own name without a company?
Yes. Sole traders and independent contractors can invoice under their personal name. Some jurisdictions may require a business registration above certain income thresholds. Bilto works equally well for invoicing as an individual or as a registered business.
How do I invoice a client in a different country?
Select the client's country currency in Bilto (USD, GBP, EUR, etc.) and specify payment instructions in their currency. For international bank transfers, include IBAN/SWIFT/BIC details in the invoice notes. Note that how taxes apply depends on your own country's rules for cross-border services.
What should I do if a client doesn't pay on time?
Send a payment reminder referencing the invoice number and due date. In the UK you are legally entitled to charge statutory interest (8% plus the Bank of England base rate) on late commercial payments under the Late Payment of Commercial Debts Act. In other countries, similar protections may apply — or you can include custom late payment terms on your invoice.