Invoice Generator

Total due —

Subtotal: —
Tax: —
Due date: —
Line items: —
Invoice text: —

List each item as description, quantity and unit price, add a tax percentage and payment terms, and the generator totals the invoice and writes it out as copyable text. For example, one £100 consulting day with 20% UK VAT comes to £120.00, due on 1 April when issued on 2 March with Net 30 terms.

About this tool

Freelancers, sole traders and small studios often need a clean invoice before they have accounting software. This generator turns a few typed lines into a complete invoice: a numbered table of items, the subtotal, the tax at the percentage you enter, the total due and a due date counted from the issue date. The invoice text can be copied into an email, a document or your letterhead. Each line multiplies quantity by unit price and rounds to cents, so the figures match what a spreadsheet would show. It does not know your local tax rules: VAT registration numbers, reverse-charge wording or rules for several tax rates on one invoice have to be added by you, and a tax adviser is the right person to confirm what your jurisdiction requires.

How to use it

Fill in the parties
Type your business name, the client, an invoice number and the issue date, then pick payment terms from Due on receipt to Net 90.
Enter line items
Write one item per line as description | quantity | unit price, for example Logo design | 1 | 450.
Set currency and tax
Choose the currency code and type the VAT or sales tax percentage; leave it at 0 for an untaxed invoice.
Copy the invoice
Check the item table and totals, then copy the invoice text into an email or document.

Examples

One consulting day with 20% UK VAT

Your business name: Northwind Studio Ltd
Bill to: Acme Retail
Invoice number: INV-104
Issue date: 2026-03-02
Payment terms: Net 30
Line items: Consulting day | 1 | 100
Currency: GBP
Sales tax or VAT: 20

Result Total due: 120.00
Subtotal: 100.00
Tax: 20.00
Due date: 2026-04-01
Line items: 1
Invoice text: INVOICE INV-104
From: Northwind Studio Ltd
Bill to: Acme Retail
Issue date: 2026-03-02 Due date: 2026-04-01 (net 30)

1. Consulting day — 1 × 100.00 = 100.00 GBP

Subtotal: 100.00 GBP
Tax (20%): 20.00 GBP
TOTAL DUE: 120.00 GBP

Each line amount = quantity × unit price, rounded to 2 decimals.
Subtotal = 100.00 = 100.00 GBP
Tax = 100.00 × 20% = 20.00 GBP
Total = 100.00 + 20.00 = 120.00 GBP
Due date = 2026-03-02 + 30 days = 2026-04-01

£100 net plus VAT at the UK standard rate of 20% gives £120 due, and Net 30 from 2 March moves the due date to 1 April.

Freelancer invoice with two lines

Your business name: J. Rivera Design
Bill to: Bloom Cafe
Invoice number: 2026-017
Issue date: 2026-01-15
Payment terms: Net 14
Line items: Menu design | 3 | 250 Website hosting (months) | 12 | 15.50
Currency: USD
Sales tax or VAT: 0

Result Total due: 936.00
Subtotal: 936.00
Tax: 0.00
Due date: 2026-01-29
Line items: 2
Invoice text: INVOICE 2026-017
From: J. Rivera Design
Bill to: Bloom Cafe
Issue date: 2026-01-15 Due date: 2026-01-29 (net 14)

1. Menu design — 3 × 250.00 = 750.00 USD
2. Website hosting (months) — 12 × 15.50 = 186.00 USD

Subtotal: 936.00 USD
Tax (0%): 0.00 USD
TOTAL DUE: 936.00 USD

Each line amount = quantity × unit price, rounded to 2 decimals.
Subtotal = 750.00 + 186.00 = 936.00 USD
Tax = 936.00 × 0% = 0.00 USD
Total = 936.00 + 0.00 = 936.00 USD
Due date = 2026-01-15 + 14 days = 2026-01-29

3 × 250 = 750 and 12 × 15.50 = 186, so the subtotal and total are 936.00 with no tax, due 14 days after 15 January.

How it is calculated

amount = qty × price; subtotal = Σ amount; tax = subtotal × t ÷ 100; total = subtotal + tax; due = issue date + terms

qty: quantity on the line, such as hours, units or months
price: unit price before tax
t: VAT or sales tax percentage applied to the whole subtotal
terms: days allowed for payment, such as 30 for Net 30

Each line is rounded to two decimals before the lines are added, which is how most invoicing software and HMRC guidance treat line totals. Tax is charged once on the subtotal and rounded to the cent. The due date adds the chosen number of calendar days to the issue date, so Net 30 from 2 March falls on 1 April.

Sources

Invoicing and taking payment from customers — GOV.UK
VAT rates — GOV.UK
Recordkeeping for small businesses — IRS

When not to use it

Invoices mixing items at different VAT rates need a rate per line, which this generator does not split.
Countries that require e-invoicing in a structured format such as XML need software that produces that format.
A full VAT invoice for a registered UK business must also show your VAT number and supply date, which you add yourself.

Common mistakes

Typing a price with a thousands comma and a decimal comma, such as 1.250,00, which reads as a different number.
Entering prices that already include tax and then adding the tax percentage again.
Reusing an invoice number; each invoice needs a unique number in sequence.

Frequently asked questions

What does Net 30 mean on an invoice?

Net 30 means the full amount is due 30 calendar days after the invoice date. An invoice dated 2 March on Net 30 terms is due on 1 April. Due on receipt means payment is expected straight away.

What must a UK invoice include?

GOV.UK lists a unique invoice number, your business name and address, the customer's name and address, a clear description of what you are charging for, the date of supply and the invoice date, the amount and the total due. VAT-registered businesses also show their VAT number and the VAT charged.

How is the tax line calculated?

The tax percentage is applied once to the subtotal and rounded to the cent. A 936.00 subtotal at 8.875% sales tax gives 83.07 in tax. If your items carry different rates, total each rate group separately.

Can I use decimal quantities such as 2.5 hours?

Yes. Quantities can be any positive number up to one million, so 2.5 hours at 60 per hour produces a 150.00 line.

Why does the line format use a vertical bar?

Descriptions often contain commas, such as Design, two rounds of revisions. The vertical bar keeps the description, quantity and price apart without clashing with that punctuation.

Is the invoice saved or sent to the client?

No. Everything is worked out in your browser and nothing is emailed or stored. Copy the invoice text and send it yourself, and keep a copy, since the IRS and HMRC both expect businesses to retain records of income.