Momenteo is one of the few invoicing tools made in Canada — not just sold here. Built in Quebec and designed specifically for Canadian freelancers and self-employed workers, it's been gaining a loyal following for its clean interface and bilingual support. But a genuinely useful tool and the right tool for your business aren't always the same thing.
Here's an honest look at what Momenteo offers, where it falls short, and who it's actually built for.
What Is Momenteo?
Momenteo is a Quebec-based invoicing and expense tracking platform launched for Canadian freelancers, self-employed workers, and small businesses. Its defining feature is a calendar-based interface: instead of navigating separate modules for invoices, expenses, and time, you log everything — work done, expenses, travel — directly in a calendar, and the software generates your accounting automatically from that data.
The platform is fully bilingual. You can send invoices in English or French on a per-client basis, which is particularly useful for Quebec businesses that work with clients across the language divide.
What Momenteo Offers
Invoicing
Momenteo covers the core invoicing workflow:
- Unlimited invoices and quotes on all plans
- Invoice customization — add your logo, brand colours, and custom messages
- Send invoices directly by email from the platform
- Invoice status tracking (sent, viewed, paid)
- Bilingual invoices — set the language per client (English or French)
- Down payment requests (START plan and above)
- Payment reminders sent automatically (EXPLORE plan and above)
Canadian Tax Support
As a Quebec-built tool, Momenteo handles Canadian taxes natively:
- GST (5%), HST (province-dependent), and QST (9.975%) calculations built in
- Quick Method of accounting supported for both GST/HST and QST — useful for freelancers who qualify
- Tax summary reports to help prepare your GST/HST and QST filings
The Quick Method support is a genuine differentiator — most invoicing tools don't offer this, and it can meaningfully simplify tax filing for eligible freelancers.
Time Tracking and Expenses
Momenteo's calendar is the core of the experience. You log work sessions, expenses, and travel directly in the calendar, and the software converts that data into invoices and reports automatically.
- Time tracking with start/stop timer (EXPLORE plan and above)
- Travel expense tracking — calculates mileage based on addresses
- Expense classification and archiving
- All activity visible in one calendar view
Note: time tracking is locked behind the EXPLORE plan (CA$17/month). On the free and START plans, you can log expenses manually but the timer is unavailable.
Online Payments
Online payment is not available on the free plan. Starting from the START plan (CA$10/month), you can connect Stripe, PayPal, or Square to accept card payments directly from invoices. Momenteo does not add any markup on top of the processor's own rates.
Pricing
Momenteo has four plans, all priced in Canadian dollars:
| Plan | Monthly | Annual (per month) | Active clients | Online payments | Time tracking |
|---|---|---|---|---|---|
| Free | $0 | $0 | 2 | No | No |
| START | CA$10 | CA$8 | 5 | Yes | No |
| EXPLORE | CA$17 | CA$14.85 | 10 | Yes | Yes |
| PLUS | CA$26 | CA$22.95 | Unlimited | Yes | Yes |
"Active clients" means clients you invoice during a fiscal year — not clients in your contact list. If you invoice a 3rd client on the free plan, you'll need to upgrade.
There is no free trial on paid plans — but the free plan is permanent, not time-limited.
What We Like
- Made in Quebec — built specifically for Canadian freelancers, not adapted from a US product
- Bilingual invoices (EN/FR per client) — rare and genuinely useful in Canada
- Quick Method support for GST/HST and QST — a real time-saver for eligible freelancers
- Calendar-based interface — intuitive for service workers who think in terms of days and projects
- Transparent CAD pricing — no currency conversion surprises
- Affordable entry point — CA$10/month for basic online payment acceptance
What Gives Us Pause
👉 Try Paymavo free — Canadian invoicing built for freelancers across all provinces, with no client limits.
- Free plan is very restrictive — 2 active clients per fiscal year is barely enough for a side project, let alone a full-time freelance practice. Most freelancers will need a paid plan from day one.
- Time tracking requires EXPLORE (CA$17/month) — the feature most hourly freelancers need most is locked behind the third tier.
- No credit notes — you cannot issue a credit or partial refund directly in Momenteo. This is a notable gap for client work.
- Support is ticket-only — no live chat, no phone. Response times have been flagged as slow in user reviews.
- No mobile app — Momenteo is web-based; you can open it in a mobile browser, but there is no dedicated iOS or Android app.
- Basic accounting — Momenteo is designed for invoicing and expense tracking, not full bookkeeping. No double-entry accounting, no balance sheet, no bank reconciliation.
Who Is Momenteo For?
Momenteo is the strongest fit for:
- Quebec freelancers who want a French-first tool built locally, with QST and Quick Method built in from the start.
- Service providers who work project-by-project with a small client roster — the calendar workflow and per-client language settings suit this model well.
- Freelancers on the START or EXPLORE plan who need simple invoicing, expenses, and online payment without the complexity of a full accounting suite.
Momenteo is a worse fit for:
- Freelancers with more than 2 active clients who don't want to pay — the free plan hits a wall very fast.
- Anyone who needs time tracking without committing to CA$17/month — it's not available on cheaper tiers.
- Businesses that need credit notes, bank reconciliation, or double-entry accounting — Momenteo doesn't offer these.
- Freelancers outside Quebec who want a tool that covers all provinces equally — Momenteo works outside Quebec, but its roots and focus are clearly Quebec-first.
Momenteo vs. the Alternatives
| Feature | Momenteo Free | Momenteo EXPLORE | ibill.ca | Wave Starter | Paymavo |
|---|---|---|---|---|---|
| Price | $0 | CA$17/month | Free (launch) | $0 (limited) | Free |
| Active clients | 2/year | 10/year | Unlimited | Unlimited | Unlimited |
| Online payments | No | Stripe/PayPal/Square | Stripe | Yes (2.9% + $0.60) | Stripe |
| Time tracking | No | Yes | Yes | No | No |
| Expense tracking | Yes (manual) | Yes (calendar) | Yes | Limited | No |
| Canadian tax | GST/HST/QST | GST/HST/QST | GST/HST/PST (not QC) | Partial | GST/HST/PST/QST |
| Quick Method | Yes | Yes | No | No | No |
| Double-entry acctg | No | No | Yes | Limited | No |
| Credit notes | No | No | No | Yes | No |
| Bilingual (EN/FR) | Yes | Yes | No | No | No |
| Mobile app | No | No | No | No | No |
The Verdict
Momenteo is a well-built tool that does what it says. If you're a Quebec freelancer who wants a French-language invoicing solution built locally, with GST/HST/QST and the Quick Method handled correctly, it's one of the best options in the market at its price point.
The friction is in the free plan. Two active clients per fiscal year is a hard limit that pushes most working freelancers to a paid plan quickly — and CA$17/month (EXPLORE) is where you get the features most freelancers actually need. That's a reasonable price, but it's worth knowing upfront.
If you need full accounting (double-entry, balance sheet, bank reconciliation) Momenteo isn't the right tool — look at ibill.ca or Wave Pro. If you want unlimited clients at no cost, with Canadian tax compliance included, Paymavo is worth comparing.
👉 Start invoicing for free with Paymavo — no client limits, no paywalls on core features, built for Canadian freelancers across all provinces.
