Kosmo

Kosmo is a focused business management tool built around the freelancer workflow: win work, deliver it, and get paid. It bundles proposals, e-sign contracts, project tracking, time logging, invoicing, and payment collection into one product aimed squarely at solo operators and micro-businesses across creative and professional services — photographers, writers, accountants, florists, and similar.

The emphasis is on simplicity over depth. Kosmo doesn't try to compete with full project management suites or accounting platforms. Instead, it covers the administrative loop most freelancers deal with daily and keeps the interface clean enough that you're not fighting the tool to get through it.

Core features

Proposals and contracts — Kosmo lets you build custom proposals and send them directly to clients for review. Once accepted, you can attach a contract that clients sign digitally inside the same workflow. This proposal-to-contract handoff in one place is a practical time-saver compared to juggling separate tools.

Invoicing and payments — Invoices support custom branding on paid plans. Payment collection works via credit card, ACH transfer, and PayPal, giving clients a few options without requiring third-party payment links. Late payment reminders are automated — once set up, you don't need to manually chase clients.

Time and task tracking — Tasks can be added to projects and logged against them. Timed work sessions can be pulled directly into invoices, which keeps billable time accurate without manual entry. It's functional rather than sophisticated — no timer dashboards or detailed reporting, but it handles the basics.

Client management — Each client has a record storing contact details, associated projects, and invoice history. Clients get portal access to view their documents, invoices, and project files, which removes some of the back-and-forth email for status questions.

Income goal tracking — A lightweight feature that lets you set revenue targets and see weekly, monthly, and yearly progress. Not something you'd find in traditional project tools, but useful for freelancers managing irregular income.

Pricing

The free plan is meaningfully usable but tightly capped: 2 clients, 2 projects, 1 invoice per month, 1 contract per month, and 2 proposals per month. Online payments and time tracking are included at this tier, which is generous. For anyone with more than a couple of active clients, the limits become a constraint quickly.

The Pro plan removes all caps — unlimited clients, projects, invoices, contracts, and proposals — and adds custom invoice designs, custom contract templates, and saved email templates. Priority support is included. Pricing starts at $9/month.

A Team tier exists for businesses that need multi-user access and API integration. Pricing is custom and requires reaching out to sales.

Limitations

Kosmo doesn't support white-labeling — the client-facing portal carries Kosmo branding. For freelancers who want a fully branded client experience, that's a meaningful gap. The feature set is also intentionally narrow: no Gantt charts, no budget tracking beyond income goals, no accounting integrations (QuickBooks, Xero), and no team collaboration tools at the standard tier. Reporting is minimal.

The platform targets solo freelancers with a manageable client roster. Agencies or consultancies with multiple project managers, complex billing structures, or compliance requirements will likely outgrow it.

Who it suits

Kosmo is a practical choice for independent freelancers who need proposals, contracts, and invoices handled in one place without a steep learning curve or a monthly cost that doesn't make sense at low volume. The free tier is a reasonable starting point, and the Pro plan stays affordable for established freelancers who bill consistently. If you need more depth in project management, accounting, or branding control, you'll need to look elsewhere.

This replaces the existing sparse body (~100 words) with ~600 words covering features, the three pricing tiers with actual limits, and clear limitations. Approve the file write when ready.