Bonsai vs Fiskl

Bonsai (often called Hello Bonsai after its domain) is an all-in-one business management app for freelancers, consultants and small client-service agencies. Instead of stitching together a proposal tool, an e-signature service, a time tracker and an invoicing app, Bonsai covers the whole client lifecycle in one place: win the work, sign the contract, deliver the project, bill and get paid.

The product starts with a lightweight CRM and proposal builder, then turns accepted proposals into contracts with legally reviewed templates and built-in e-signatures. Projects, tasks and a time tracker feed directly into invoices, which clients can pay online by card or bank transfer, with automatic reminders and recurring billing for retainers. A client portal collects files, invoices and messages in one branded space, and higher plans add scheduling, expense tracking, basic bookkeeping and team members. Pricing is per user per month across several tiers (Basic, Essentials, Premium and Elite), with discounts for annual billing; invoicing, contracts and the client portal start from Essentials.

Bonsai is best for solo professionals and agencies of a few people who want professional paperwork without administrative overhead. Its breadth means each module is simpler than a specialist: accounting is basic compared with QuickBooks or Xero, and project management is lighter than Asana. HoneyBook is the closest competitor, particularly for creative businesses in the US, while Moxie and Dubsado offer similar bundles with more workflow automation. Larger agencies that need resource planning and utilization reports should look at professional services tools such as Productive or Scoro.

Fiskl is a mobile-first invoicing and accounting app for freelancers, sole traders and micro-businesses, developed by a London-based fintech. Its core job is getting paid: you create professional invoices and estimates in many currencies, send them from your phone or browser, let clients pay online, and track what is outstanding, while expenses and bank transactions are captured alongside to keep simple books.

The app combines multi-currency invoicing and quotes, recurring invoices, receipt scanning, bank feeds, AI-assisted categorisation and reconciliation, online payment collection through connected payment providers, and basic reports such as profit and loss and tax summaries. A free plan covers the basics, and paid Solo, Pro and Prime tiers unlock accounting features, more users, more automation and accountant access, and the experience is designed to work fully on mobile rather than as a desktop product with a companion app.

Fiskl fits freelancers and very small businesses with international clients who want something lighter and cheaper than full accounting suites. It is a smaller brand with fewer integrations, accountant familiarity is low compared with Xero or QuickBooks, and it is not designed for payroll, inventory or growing finance teams. FreshBooks and Zoho Invoice are well-known invoicing-first alternatives, Wave is a free option in the US and Canada, and Xero suits businesses that want a full ledger.