Hello there, RyanC3PO.
Allow me to join the thread and provide some insights when using QuickBooks Online (QBO).
QBO offers unique features based on the plan you're currently using. You're right that QBO Simple Start doesn't have the billable expense feature but has the categories "Income and Expense" or "Invoicing or Payments". These categories are available in all plans it's because you can use them when categorizing transactions on the Banking page or even when entering new transactions. Thus, even if you can use it in categorizing Billable expenses, you can use it for your other transactions.
To understand more about Intuit pricing and plans, see the below articles:
For future reference, I'm adding a link to our online tutorials. These videos can help you run your business using QuickBooks: Video tutorials for QuickBooks Online.
If there's anything else you need help with concerning QuickBooks, let me know by commenting below. I'll be more than happy to help. Take care and have a great day.
