AND CO Review (2026):
Is It the Right Freelance Management Software for Your Business?

Overview

AND CO launched in 2016 with a proposition that was rare in the freelance software market: a genuinely full-featured business management tool available entirely for free. After being acquired by Fiverr in 2018, the platform has continued to operate as a standalone product, maintained and developed under Fiverr’s ownership while remaining free for all users. That combination — free pricing, Fiverr’s backing, and a feature set that covers the core freelance workflow — makes AND CO an unusual and genuinely valuable option in a market where most comparable tools start at $17 to $21 per month.

The trade-off is depth. AND CO covers the essentials competently — invoicing, contracts, time tracking, expense logging, proposals — but it does not match the sophistication of paid platforms in any individual category. Contract templates are solid but not as thorough as Bonsai’s lawyer-reviewed library. Time tracking works but lacks the project budget management that more advanced tools provide. Reporting is functional but limited. We tested AND CO across real freelance workflows — creating proposals, sending contracts, tracking time, and generating invoices — with all features verified as of May 2026.

Features & Functionality

AND CO covers the essential freelance business workflow: proposals, contracts and e-signatures, invoicing and payment collection, time tracking, expense management, and basic project organisation. Every one of these features is available at no cost, which remains its defining competitive advantage. The platform does not offer double-entry accounting, bank reconciliation, tax estimation, advanced reporting, or a meaningful integration ecosystem. It is a tool designed to handle the operational basics of running a freelance business cleanly and simply — and within that scope, it does its job well.

Invoicing & Contracts

AND CO’s invoicing tools handle the standard freelance billing workflow without friction. You can create branded invoices, set up recurring billing on any schedule, apply late fees, send automatic payment reminders, and collect payment via Stripe or PayPal directly from the invoice. The invoice builder is straightforward and uncluttered — there are fewer configuration options than Invoice Ninja or Bonsai, but that simplicity translates into a faster setup experience for freelancers who do not need advanced customisation. Contract management is included on the free plan, with a library of templates covering the most common freelance engagement types — service agreements, project contracts, and non-disclosure agreements. Clients receive a clean signing link and can e-sign without creating an account, and signed contracts are stored in the client’s project workspace for easy reference. The contract templates are serviceable and legally sound, though they are not as granular or work-type-specific as the lawyer-reviewed templates Bonsai provides.

Time Tracking & Expenses

AND CO includes a built-in time tracker with a start/stop timer and manual time entry, both of which feed directly into invoice line items when it is time to bill. For freelancers doing straightforward hourly billing — a set rate, a client, a running timer — this integration works cleanly and removes the manual step of transferring time logs into an invoice. Expense tracking is similarly functional: you can log expenses, attach receipts, categorise spending, and include expenses as line items on client invoices. What the expense tools do not offer is any connection to tax planning — there is no quarterly tax estimate, no deduction categorisation for tax purposes, and no year-end summary formatted for self-assessment. Freelancers who need that layer of financial visibility will need a separate tool or accountant to bridge the gap. Project management sits at the basic end of the spectrum — task lists and project organisation are available, but there is no budget tracking, milestone management, or project profitability reporting of the kind Bonsai provides.

Proposals & Client Experience

AND CO’s proposal tool is one of the more underrated features of the platform. You can build branded, itemised proposals that clients can review and accept online, and accepted proposals convert to contracts and invoices with minimal manual work. The client-facing experience is clean and professional — proposals look polished without requiring design skills, and the flow from accepted proposal to signed contract to paid invoice is genuinely smooth for such a simple tool. This end-to-end proposal workflow, available at no cost, is something that paid competitors like FreshBooks do not offer at all on their entry plans. For freelancers whose main bottleneck is converting a scoped project into a signed agreement and first payment, AND CO’s proposal-to-payment flow removes that friction efficiently.

Rating Breakdown

Pricing

AND CO’s pricing model is straightforward: the platform is completely free. There are no paid tiers, no feature-gated upgrades, and no credit card required to access the full product. All features — proposals, contracts, invoicing, time tracking, expense management, and payment collection — are available to all users at no cost. This has been AND CO’s model since its acquisition by Fiverr, and as of May 2026 there is no indication that the free model is changing.

Free — $0/month: Full access to all AND CO features including unlimited proposals, contracts with e-signature, unlimited invoicing, recurring billing, payment reminders, time tracking, expense logging, receipt capture, and basic reporting. Payment processing fees apply when collecting payments via Stripe or PayPal at their standard transaction rates — AND CO does not charge an additional platform fee on top of gateway fees.

How It Compares

Here is how AND CO stacks up against the closest alternatives for freelancers across the features that matter most. The comparison below is intended to help you decide whether AND CO’s free feature set is sufficient for your needs or whether a paid tool’s additional depth is worth the monthly investment.

Who Should Use It?

AND CO is the right choice for freelancers who need a complete operational toolkit — invoicing, contracts, time tracking, and proposals — without paying a monthly subscription. It is best suited to solo operators with relatively straightforward client work who want to look professional without the overhead of a more complex paid platform.

Our Verdict

AND CO occupies a genuinely valuable position in the freelance software market that very few tools can claim: it is the most complete free platform available for solo freelancers in 2026. The combination of proposals, e-signature contracts, invoicing, time tracking, and expense management — all at no cost, backed by Fiverr’s infrastructure — makes it a serious option for freelancers who are starting out, cost-conscious, or simply do not need the advanced depth that paid alternatives provide.

The limitations are real and worth being clear-eyed about. AND CO will not replace a proper accounting tool for freelancers who need bank reconciliation or tax compliance. It will not satisfy freelancers who need the depth of Bonsai’s project management, the CRM pipeline of HoneyBook, or the automation sophistication of either. Its reporting is thin, its integrations minimal, and its contract templates solid but not exceptional. Freelancers who outgrow it will find the migration to a paid tool straightforward — the core concepts carry over cleanly.

For the right user — a solo freelancer doing clean, straightforward client work who wants professional documents, integrated time tracking, and reliable invoicing without a subscription — AND CO is one of the best starting points available. The price makes it impossible to argue against trying it first.

After hands-on testing, AND CO stood out most for the completeness of what it delivers at zero cost — the proposal-to-signed-contract-to-invoice flow works smoothly, looks professional, and requires no technical setup. For freelancers getting started, it removes every financial barrier to running a proper business operation from day one. — Based on hands-on testing of AND CO, May 2026