Roundup · 2026

Best time tracking
for contractors.

Honest roundup of the 5 best time tracking products for 1099 contractors in 2026. Picks tuned to office-based contractor needs: multi-client tracking, invoicing, expense rebill, QuickBooks export.

Disclosure

This roundup is published by Tempough — #1 on the list, unsurprisingly. We tried to be honest about where each tool wins, including where competitors beat us. Note: this roundup is tuned for white-collar / office-based 1099 contractors. If you're a trades / construction contractor needing GPS or field-worker job costing, QuickBooks Time (#5) is your starting point — the others aren't built for that workflow. Disagree? Reach out via the contact form.

What contractors actually need

A time tracker for an independent (1099) contractor is doing a specific job. Five things matter:

  1. Multi-client time tracking — most 1099 contractors juggle 3-8 clients; tracking per-client billable hours is the core need.
  2. Invoicing with online payment — so clients can pay by card without you doing a song-and-dance — Stripe-powered is the typical answer.
  3. Expense tracking with client rebill — travel, software, anything you eat the cost of and pass through to the client.
  4. QuickBooks (or accounting) export — at tax time, your books need to reconcile cleanly.
  5. Predictable pricing — the monthly bill should be the same every month — no surprise usage fees.
#1

Tempough

● Our top pick
Best for

1099 contractors juggling 3+ clients who need timer + invoicing + expense rebill + QuickBooks export

Pricing

Free — Individual $6/mo

Built for the independent-contractor workflow specifically: track hours per client + project, generate Stripe-payable invoices, log billable expenses, export to QuickBooks at tax time. At $6/mo Individual is the cheapest in this list with the full feature set — half the price of Harvest Pro.

When we're not the right pick

QuickBooks Time is the right pick if your contracting work requires GPS / geofencing for field jobs, or if your books already live in QuickBooks Online and you want native time-to-payroll integration. FreshBooks is the right pick if you need real bookkeeping (sales tax, contractor-friendly tax categorization) inside the same tool. We rank ourselves #1 here for the desk-based 1099 contractor juggling several clients who wants the cheapest invoicing-plus-time-tracking option — not for field workers or contractors whose primary problem is accounting.

Pros

  • Individual plan at $6/mo (annual) — cheapest paid tier in this list with full invoicing
  • Stripe-powered invoicing — connect your own Stripe in 30 seconds, payments settle to your bank directly
  • Expense tracking with receipts and one-click rebill-to-client on the next invoice
  • Free tier supports unlimited projects and clients (Harvest Free is 2 projects)
  • QuickBooks export at tax time — maps cleanly to QBO's import schema
  • Project budgets with email alerts at 80% / 100% — catches client scope creep

Honest cons

  • No native iOS/Android apps yet (PWA-installable web app)
  • No GPS / geofencing — if you need field-worker location tracking, QuickBooks Time is the better fit
  • No real bookkeeping — exports to QuickBooks but doesn't replace it
  • Smaller integration marketplace than Harvest or FreshBooks
#2

Harvest

Best for

Contractors who want a brand-recognized product and don't mind paying double Tempough Individual

Pricing

Pro $13.75/seat/mo

The classic contractor + small-shop choice. Mature invoicing, polished UI, two-decade brand recognition (your clients' accountants know it). The 2026 catch: new usage-based fees rolling out on top of seat pricing, and Harvest Free is basically a demo (1 seat, 2 projects).

Pros

  • Strong brand recognition with clients + accountants
  • Mature invoicing + payment processing
  • Larger Zapier integration marketplace
  • Reliable for two decades

Honest cons

  • Pro at $13.75/seat is 2.3x Tempough Individual
  • Harvest Free is 2 projects — most contractors immediately need to pay
  • New usage-based fees on top of seat pricing make annual cost unpredictable
  • No project margin / cost rate concept
#3

FreshBooks

Best for

Contractors who need full bookkeeping + sales tax + accountant collaboration in one product

Pricing

Lite $19/mo — Premium $60/mo

FreshBooks is accounting software with time tracking added — the reverse of Tempough. If you need actual bookkeeping (income tracking, expenses-as-bookkeeping, sales tax compliance, accountant invite-in workspace), FreshBooks bundles everything in one product. Premium gets expensive fast.

Pros

  • Real accounting + bookkeeping (Tempough exports to QuickBooks but doesn't replace it)
  • Sales tax + automated tax reporting
  • Invite your accountant directly into the workspace
  • Mature invoicing + recurring profiles

Honest cons

  • Lite at $19/mo is 3.2x Tempough Individual
  • No project budgets with burn alerts
  • No project structure beyond flat — no phases, milestones, change orders
  • Time tracking feels secondary to the accounting workflow
#4

Toggl Track

Best for

Contractors who only need a timer and bill clients through a separate tool

Pricing

Free for 5 users — Premium $20/seat/mo

The simplest pick — Toggl is a timer. No invoicing, no project profitability, no real budgets. If your client billing happens in a separate accounting tool or you bill flat-fee per project, Toggl is the lightest, fastest timer with good free-tier coverage. Most contractors outgrow it once they start invoicing.

Pros

  • Best-in-class timer with idle detection + Pomodoro
  • Free tier supports up to 5 users (more than enough for a solo)
  • Browser extensions and native mobile apps polished
  • Easy CSV exports for downstream tooling

Honest cons

  • No invoicing at all — you need a separate tool to bill clients
  • No expense tracking
  • No project profitability tracking
  • Premium at $20/seat is more than Tempough Individual + an invoicing tool
#5

QuickBooks Time

Best for

Contractors whose clients all use QuickBooks AND who need GPS / field-worker location tracking

Pricing

Premium $20/mo + $10/user/mo

Intuit's in-house time tracker, integrated natively with QuickBooks Online and Payroll. If you're a trades / construction / field-service contractor with GPS-tracked crews, QuickBooks Time is the right pick — it has features the other alternatives don't. For office-based 1099 contractors, the other picks are typically a better fit.

Pros

  • GPS / geofencing for field-worker location tracking
  • Native QuickBooks Online + Payroll integration — no export step
  • Mobile apps tuned for field workflows
  • Brand recognition with accountants who already use QuickBooks

Honest cons

  • Designed for hours-to-payroll, not project profitability or invoicing
  • Shallow project structure — no phases, no margin reporting
  • Constant in-product upsell to other Intuit products
  • Pricing escalates fast: $20 base + $10/user/mo gets expensive

At a glance

Quick TL;DR.

Feature
Tempough
Harvest
FreshBooks
Toggl Track
QuickBooks Time
Starting price$6/mo (Individual)$13.75/seat (Pro)$19/mo (Lite)Free or $20/seat$20 + $10/user/mo
Free tier1 user, unlimited proj1 seat, 2 projects14-day trialUp to 5 users30-day trial
Invoicing built in✓ (Individual+)Via QuickBooks
Expense tracking✓ (Individual+)Pro tier
QuickBooks integration✓ (CSV export)✓ (Zapier)Built-in booksLimited✓ (native sync)
Project budgetsLimited
GPS / geofencing
Native mobile appsPWA only

Pricing reflects publicly listed plans as of 2026. Each vendor's own pricing page is the source of truth.

FAQ

Tempough Individual at $6/mo (annual) is the cheapest in this list with a full invoicing-and-time-tracking feature set. Harvest Pro is $13.75/seat. FreshBooks Lite is $19/mo. For most solo 1099 contractors, $6/mo on Tempough Individual is the right anchor.

Try our top pick free.

Tempough Free: 1 user, unlimited projects. No credit card.