Invoice
Bill clients and get paid. Take card payments in the app, or record cash, check, bank, and credit as they land.
The paperwork
Four documents. One flow.
Invoices, estimates, credit memos, and purchase orders live in one place, numbered your way, dressed in your brand. Turn off what you don't send — Toro shapes itself around your pick.
Estimate
Quote work before it starts. When they say yes, convert it to an invoice in one tap.
Credit memo
Issue credit that actually pays invoices. Apply it and both documents update in a single move.
Purchase order
Order goods and services from vendors, on paper that matches the rest of your brand.
The engine
Right to the cent.
Invoicing apps get lazy about pennies. Toro doesn't. Every amount is stored as whole cents, every rounding rule is deliberate, and one engine computes every total — so what your client sees is what your books say.
- Whole-cent math Amounts are integers in minor units. No floating-point drift, no mystery penny.
- Fair discounts A discount splits across line items by largest remainder, so the pennies land where they should.
- Tax that audits clean Per-rate rounding across the document. US sales tax added on top, or VAT already in your prices — both first-class.
Invoice · INV-0042
Paid
Harborview Café
Issued Jun 14, 2026 · Due Jun 28, 2026DescriptionAmount
-
Patio demolition & haul-away1 × $1,200.00$1,200.00
-
Composite decking, installed240 × $18.50$4,440.00
-
Railing hardware12 × $36.25$435.00
Subtotal$6,075.00
Sales tax (7.25%)$440.44
Total
$6,515.44$6,075.00
Includes VAT (20%)$1,012.50
Paid−$6,515.44−$6,075.00
Balance due$0.00
Sales tax, the U.S. way — added at the bottom. VAT, the rest-of-world way — already in your prices, shown honestly.
The lifecycle
Status keeps itself.
Every document knows where it stands. Send it, it's Sent. A payment lands, it's Partial — then Paid. And overdue is never a box anyone checks: Toro derives it from the due date, live, so an invoice can't quietly rot in "sent."
Draft
Sent
Partial
Paid
…and Overdue finds itself.
Reminders that write themselves
Overdue invoices surface on your home screen the moment a due date passes. One tap opens a reminder — prefilled, polite, in your business's language — and Toro emails it for you, then tracks the delivery. A bounced address gets a banner, not silence.
Reminder: Invoice INV-0038 from Meridian Deckworks
Hi Sam — just a friendly reminder that invoice INV-0038 for $2,140.00 was due on Jun 21. If you've already sent payment, thank you — feel free to ignore this note.
Send reminder
Prefilled. Polite. Tracked to the inbox.
The payoff
Get paid on the spot.
Connect your own Stripe account and take card payments right in the app. The charge lands on the invoice by itself — recorded, stamped, books balanced.
- Your Stripe, your money Onboard in minutes. Payouts go straight from Stripe to your bank — Toro never routes the funds.
- No extra fees from us Just Stripe's standard processing rate. Card payments aren't an upsell.
- Books that keep themselves Payments, refunds, even disputes flow back onto the invoice automatically — status and balance always true.
Invoice · INV-0038
Sam Alvarez
Due Jun 21, 2026Balance due$2,140.00
Payments are processed securely by Stripe.
Charged in the app — stamped Paid by itself.
The crew
Everyone in their lane.
Real roles for your team — not one shared login. Members create documents and see only their own, enforced by security rules, not the honor system. Your accountant gets the books, read-only.
- OwnerFull control, including billing
- AdminEverything except billing
- ManagerAll documents and clients
- MemberCreates documents, sees only their own
- ViewerRead-only — great for accountants
And the rest
Sharp everywhere.
Draft with AI
Describe the job and Toro will write the line items — with every number staying yours to change.
PDFs without surprises
The preview is the PDF — same layout, your logo, your business's language. Email it from the app with delivery tracking, or share the file anywhere.
Custom fields
Job address, permit number, boat name — put whatever your paperwork needs on every document.
Items & services
Save what you sell once — price, unit, tax — and reuse it on every document after.
Local everywhere
Five languages — English, Spanish, German, French, and Italian. Your currency, your date format, tax defaults from your region. US users configure nothing.
Dark that smolders
Deep wine, not gray soup. This page follows your system setting too — go ahead, try it.
A look inside
The goods.
