Complete Comparison of Swiss Invoicing Software in 2025

Bexio is the undisputed market leader in Switzerland with over 10 years of existence and hundreds of client companies. Acquired by a large company a few years ago, Bexio offers an all-in-one solution that goes far beyond invoicing: project management, payroll, CRM, etc.

ToBill, on the other hand, positions itself as a modern, simple, and affordable alternative for freelancers and SMEs that do not need all the features of a complete ERP.

ToBill strengths:

• Modern and clean interface (vs Bexio's dated interface)
• Onboarding in 5 minutes (vs several hours to set up Bexio)
• Native AI to scan expenses (Bexio does not have this feature)
• Transparent and competitive pricing
• Focus on invoicing (fewer features = less complexity)

Bexio strengths:

• Complete ecosystem (project management, payroll, inventory, CRM)
• Numerous third-party integrations (E-Banking, PostFinance)
• Extensive multilingual support and many fiduciary partners
• Mature mobile application (iOS and Android)

🎯 Our verdict: Choose ToBill if you are looking for a simple, modern, and affordable invoicing solution. Choose Bexio if you need a complete ERP with project management, payroll, and CRM.

Magic Heidi is a direct competitor of ToBill: launched in 2022, with a modern, mobile-first interface, and a user experience-focused approach. Magic Heidi offers native applications on iPhone, Mac, Web, and Android, making it the tool available on the most platforms.

Both solutions share a similar philosophy: simplicity, modern design, and focus on freelancers and Swiss SMEs.

ToBill advantages:

• Lower price: 25 CHF/month vs 30 CHF/month
• Automatic transfer to fiduciaries (Magic Heidi has limitations)
• 10-day free trial (Magic Heidi limits to 3 invoices)
• Priority support from the Pro plan

Magic Heidi advantages:

• Native mobile applications already available (iOS, Android, Mac)
• Bank synchronization (Import of statements)
• More focused on 'freelance lifestyle' (integrations with modern tools)
• Google Maps reviews 5/5 stars

🎯 Our verdict: Choose ToBill if you work with a fiduciary and seek the best value for money. Choose Magic Heidi if you prioritize native mobile applications and bank synchronization.

MILKEE is developed by Nicolas, a solo entrepreneur from the Zurich region. MILKEE specializes in Swiss-German freelancers and has excellent customer reviews (5/5 stars on Google Maps).

Major limitation: MILKEE is only available in German, which limits its adoption in the French-speaking part of Switzerland and Ticino.

ToBill advantages:

• Multilingual support (FR, DE, EN)
• Automatic transfer to fiduciaries (MILKEE does not offer this feature)
• AI to scan expenses (absent in MILKEE)
• Same price (25-30 CHF/month)

MILKEE advantages:

• Excellent reputation in the Swiss German-speaking community
• Personalized support from the founder (solo entrepreneur)
• Very simple and clean interface

🎯 Our verdict: Choose ToBill if you are in the French-speaking part of Switzerland or if you work with a fiduciary. Choose MILKEE if you are a German-speaking freelancer looking for an ultra-simple solution.

Smallinvoice has been around for over 10 years and won the Swiss Fintech Award in 2017. However, the user interface has not evolved and seems dated and complex compared to modern standards.

ToBill advantages:

• Modern and intuitive interface (vs complex and dated interface)
• Clear and transparent pricing
• AI to scan expenses (absent in Smallinvoice)
• Quick onboarding in 5 minutes

Smallinvoice advantages:

• Extensive features (inventory management, time tracking)
• Numerous banking integrations
• History and stability (10+ years)

🎯 Our verdict: Choose ToBill if you are looking for a modern and simple solution. Choose Smallinvoice if you need advanced features like time tracking or inventory management.

SWISS21 is a project funded by several large Swiss companies that offers a completely free plan (funded by third-party offers). It is the only player in the market to offer this approach.

At first glance, SWISS21 seems unbeatable: why pay 25 CHF/month when you can have a free tool? The reality is more nuanced.

ToBill advantages:

• Priority customer support (SWISS21 has limited support)
• Modern interface without ads (SWISS21 displays third-party offers)
• AI to scan expenses (absent in SWISS21)
• Product focus and continuous innovation (SWISS21 evolves little)
• Sustainability guarantee (clear business model)

SWISS21 advantages:

• Complete free plan (ideal for very small structures)
• Very affordable paid plans (7 CHF/user)
• Suite of products (POS, e-commerce, invoicing)

🎯 Our verdict: Choose SWISS21 if you are starting a micro-business and have a zero budget. Choose ToBill if you are looking for a premium experience, responsive support, and continuous innovations.