Zoho Invoice Alternatives: 10 Best Options for Small Businesses (2026)

Updated February 5, 2026

Top Zoho Invoice alternatives include Xero ($5/mo), Invoice Mama ($2.50/mo), and Wave (Free), offering scalable invoicing with added accounting features.

Analysis of 10 Zoho Invoice alternatives reveals pricing from free to $59/month, with features like unlimited invoicing, AI assistance, and multi-user support varying widely.

Quick Comparison

Top 4 picks
ToolStarting PriceBest ForKey Advantage
1
Xero
Xero
$3.75/moComprehensive accounting from $5/monthBenefit from daily bank feeds automating reconciliation, unlike Zoho’s manual entry process
2
Invoice Mama
Invoice Mama
FreeAI-powered fast invoicingGenerate professional invoices in just 10 seconds using AI, reducing billing time compared to manual creation in Zoho Invoice
3
Wave
Wave
FreeIncludes free accounting and payrollChoose Wave for integrated invoicing and bookkeeping on its free plan, which covers both essential accounting and invoicing features at no cost
4
FreshBooks
FreshBooks
$8.4/moScalable plans with payrollChoose FreshBooks for scalable billing with plans starting at $8
View All 10 Alternatives

Top Alternatives to Zoho Invoice

10 alternatives compared by features, pricing, and use case

Xero logo

1. Xero - Comprehensive accounting from $5/month

From $3.75/mo

Xero is a strong alternative to Zoho Invoice for small businesses seeking comprehensive accounting alongside invoicing. It offers automated bank reconciliation with daily feeds from major banks, enhancing financial accuracy beyond Zoho's invoicing focus. Businesses aiming to integrate payroll and tax compliance under one platform should consider Xero as it includes these features starting at $5/month. Unlike Zoho Invoice’s free plan with 500 yearly invoices limit, Xero provides scalable plans supporting multi-currency invoicing and extensive third-party app integrations. Xero’s mobile app also enables flexible accounting on the go, making it suitable for growing firms needing more than basic invoicing.

Pricing

  • Early: $3.75/mo
  • Growing: $8.25/mo
  • Established: $13.5/mo

Ideal for

  • Small businesses needing combined invoicing and accounting with payroll features.
  • Growing freelancers requiring multi-currency and expanded user support beyond 500 invoices/year.
  • Businesses wanting automated bank reconciliation from Canadian financial institutions.
  • Users seeking AI-powered accounting assistance and advanced tax compliance capabilities.

Pros

  • +Automates bank reconciliation with daily feeds from major banks, reducing manual errors and saving time.
  • +Includes payroll management and comprehensive tax compliance tools within the same platform.
  • +Provides AI financial assistance (JAX) that automates routine tasks and offers real-time insights.
  • +Supports over 700 third-party app integrations expanding capabilities beyond Zoho’s ecosystem.

Cons

  • -Basic Starter plan has feature restrictions absent in Zoho Invoice’s free tier.
  • -Higher-tier plans are needed for expense claiming and multi-currency support, increasing costs.
  • -Complexity of features can overwhelm users accustomed to simpler invoicing software.
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Invoice Mama logo

2. Invoice Mama - AI-powered fast invoicing

Free Plan Available

Invoice Mama is a strong alternative to Zoho Invoice for small businesses and freelancers seeking fast, AI-powered invoice creation. It offers an AI assistant to generate professional invoices in 10 seconds, simplifying billing for users who want quick document production. Users looking for multi-document management including receipts and estimates benefit from Invoice Mama's all-in-one platform. Unlike Zoho Invoice's free plan, Invoice Mama provides scalable team collaboration and smart data learning but requires paid plans starting at $2.50/month for advanced features, making it suitable for businesses ready to invest in automation and team tools.

Pricing

  • Free: Free
  • Starter: $2.5/mo
  • Business: $5/mo
  • Premium: $9.99/mo

Ideal for

  • Freelancers and small business owners who need rapid invoice generation with AI assistance.
  • Companies that require integrated invoice, receipt, and estimate management in a single platform.
  • Teams expanding beyond two users needing collaborative billing dashboards.
  • Users seeking automated client and product data entry to save time.

Pros

  • +AI invoice generation enables professional invoices in 10 seconds versus manual creation.
  • +Supports multiple document types including receipts and estimates in one interface.
  • +Allows seamless billing collaboration for teams beyond two users.
  • +Automatically remembers clients and services reducing repetitive data entry.

Cons

  • -Depends on consistent internet access—no offline capability.
  • -Key advanced features require paid plans starting at $2.50/month.
  • -Does not offer a completely free unlimited plan like Zoho Invoice.
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Wave logo

3. Wave - Includes free accounting and payroll

Free Plan Available

Wave is a viable alternative to Zoho Invoice as it offers free invoicing combined with comprehensive accounting features, enabling small businesses to manage finances in one platform. Businesses seeking integrated bookkeeping and payroll services alongside invoicing should consider Wave, especially those wanting automatic payment processing. While Zoho Invoice focuses on invoicing and expense tracking with a free plan capped at 500 invoices and two users, Wave provides broader financial management with optional upgrades like bank connections and payroll for $20/month.

Pricing

  • Free: Free
  • Pro Plan: $20/mo

Ideal for

  • Small businesses needing combined invoicing and accounting software without upfront costs
  • Freelancers or solopreneurs wanting integrated payment acceptance and payroll management
  • Businesses requiring multi-user access with role permissions for external accountants
  • Users looking for optional automation of bank transaction imports and financial reporting

Pros

  • +Provides free accounting and invoicing combined, simplifying financial management for small businesses.
  • +Offers integrated payment acceptance including credit card, ACH, and Apple Pay included in free invoicing.
  • +Includes mobile apps for iOS and Android that support invoicing and payment tracking on the go.
  • +Supports payroll services to handle employee and contractor payments with tax compliance automation.

Cons

  • -Advanced automation like unlimited bank connections requires paying $20/month, increasing costs over Zoho Invoice’s entirely free plan.
  • -Payroll is an additional paid add-on and may not be accessible worldwide, limiting user eligibility.
  • -Customization of invoice templates is more limited than Zoho Invoice’s varied template and branding options.
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FreshBooks logo

4. FreshBooks - Scalable plans with payroll

From $8.4/mo

FreshBooks is a good alternative to Zoho Invoice for small businesses seeking an integrated accounting solution that combines invoicing with payroll and advanced financial reporting. Unlike Zoho Invoice's free plan limited to two users and 500 invoices annually, FreshBooks offers scalable pricing plans starting at $8.40/month with support for multiple clients and team collaboration. Businesses anticipating growth or needing payroll services should consider FreshBooks, which integrates time tracking, receipt scanning, and payroll, features Zoho Invoice does not include. This difference in comprehensive accounting capabilities distinguishes FreshBooks as a more complete financial management platform beyond invoicing.

Pricing

  • Lite: $8.4/mo
  • Plus: $15.2/mo
  • Premium: $26/mo

Ideal for

  • Small businesses needing integrated payroll and accounting beyond invoicing.
  • Freelancers requiring scalable client support and advanced reporting.
  • Teams that benefit from collaborative time tracking and detailed financial analysis.
  • Businesses wanting extensive third-party app integrations to automate workflows.

Pros

  • +Provides scalable pricing plans starting at $8.40/month supporting multiple clients and teams.
  • +Includes integrated payroll management simplifying employee and contractor payments.
  • +Offers mobile receipt scanning automating expense tracking and reducing manual input.
  • +Generates detailed financial and tax reports aiding in comprehensive business planning.

Cons

  • -Requires paid subscription with no free plan unlike Zoho Invoice’s free offering.
  • -Payroll and team member features require additional paid add-ons increasing costs.
  • -No offline access necessitates reliable internet connectivity.
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QuickBooks Online logo

5. QuickBooks Online - Scalable AI-driven accounting

From $19/mo

QuickBooks Online serves as a strong alternative to Zoho Invoice by combining invoicing with AI-powered bookkeeping and expert support, suited for small to mid-sized businesses with growing financial needs. Businesses ready to move beyond Zoho Invoice's free tier limits and those seeking advanced automation and multi-user flexibility should consider QuickBooks Online. Unlike Zoho Invoice's free plan capped at two users and 500 invoices, QuickBooks Online offers scalable plans starting at $19/month supporting up to 25 users with AI-driven financial insights and over 800 app integrations.

Pricing

  • Simple Start: $19/mo
  • Essentials: $37.5/mo
  • Plus: $57.5/mo
  • Advanced: $137.5/mo

Ideal for

  • Small to mid-sized businesses needing combined invoicing and automated bookkeeping beyond starter plans.
  • Growing teams requiring support for more than two users and advanced user permissions.
  • Businesses seeking AI-powered financial insights and projections alongside invoicing.
  • Companies looking for extensive third-party app integrations to customize workflows.

Pros

  • +Supports up to 25 users, enabling collaboration for larger teams compared to Zoho Invoice's two-user limit.
  • +Offers AI-powered bookkeeping that automates categorization, reducing manual effort significantly.
  • +Includes live expert bookkeeping and tax support free for 30 days, aiding users unfamiliar with accounting tasks.
  • +Integrates with over 800 applications, vastly expanding business connectivity beyond Zoho Invoice's ecosystem.

Cons

  • -Pricing starts at $19/month, which may be costly compared to Zoho Invoice's free option.
  • -More complex interface and features might overwhelm small businesses new to accounting software.
  • -Advanced bookkeeping and project features require higher-tier plans, increasing total cost.
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Invoice2go logo

6. Invoice2go - Mobile-friendly with QuickBooks sync

From $7.99/mo

Invoice2go is a strong alternative to Zoho Invoice for small businesses seeking mobile-first invoicing with multi-channel delivery and flexible payments. It suits users needing integrated time tracking, appointment scheduling, and syncing with QuickBooks or Xero. While Zoho Invoice offers a forever free plan, Invoice2go's paid plans start at $7.99/month with added features like unlimited team members and broader payment options, making it ideal for scaling businesses wanting enhanced workflow integration.

Pricing

  • Starter: $7.99/mo
  • Professional: $11.98/mo
  • Premium: $44.99/mo

Ideal for

  • Small businesses needing mobile invoicing and flexible payment acceptance on the go.
  • Service-based businesses requiring appointment scheduling integrated with billing.
  • Teams larger than two members seeking collaborative invoicing options.
  • Businesses using QuickBooks or Xero for accounting that want synced invoicing data.

Pros

  • +Supports unlimited team members compared to Zoho Invoice's two-user limit on free plan.
  • +Includes native integration with QuickBooks and Xero, enhancing bookkeeping efficiency.
  • +Offers multi-channel invoice delivery including WhatsApp and Facebook Messenger beyond Zoho Invoice capabilities.
  • +Provides appointment scheduling alongside invoicing, extending operational management.

Cons

  • -Lacks a free unlimited plan, requiring a paid subscription from $7.99/month unlike Zoho Invoice's free offering.
  • -Phone support only available on the Premium plan, limiting access for Starter and Professional users.
  • -Requires credit card details to start a free trial, unlike Zoho Invoice which has no signup fees.
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7. Invoice Ninja - Unlimited invoicing free plan

Free Plan Available

Invoice Ninja is a strong alternative to Zoho Invoice, particularly for businesses needing unlimited invoicing on a free plan. It supports up to five clients for free, compared to Zoho's limit of 500 invoices per year and two users, making it better for handling more client accounts. Small businesses or freelancers wanting robust project and vendor management alongside invoicing should consider Invoice Ninja. Additionally, Invoice Ninja offers more payment gateway integrations and mobile/desktop apps across multiple OS platforms. This broader platform flexibility is a key differentiator for users seeking all-in-one financial management.

Pricing

  • Forever Free: Free
  • Pro: $12/mo
  • Enterprise: $16/mo

Ideal for

  • Small businesses needing unlimited free invoicing with more client accounts
  • Freelancers and consultants managing projects and vendors along with billing
  • International businesses requiring diverse payment gateways and multi-OS apps
  • Users seeking extensive third-party automation and integrations beyond Zoho ecosystem

Pros

  • +Offers unlimited invoices on the free plan, unlike Zoho Invoice’s 500 invoice yearly cap.
  • +Supports over 20 payment gateways including Stripe and PayPal, expanding payment options beyond Zoho’s.
  • +Includes project, task, expense, and vendor management features for a comprehensive business tool.
  • +Available on multiple platforms including iOS, Android, macOS, Windows, and Linux, unlike Zoho’s limited mobile-only apps.

Cons

  • -Free plan client limit of five is lower than Zoho Invoice’s user and project limits.
  • -Some advanced features such as API and expanded templates require paid plans, unlike Zoho’s free feature set.
  • -Interface complexity can be challenging for users seeking simple invoicing like Zoho Invoice.
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8. invoicely - Unlimited invoices on free tier

Free Plan Available

invoicely is a compelling alternative to Zoho Invoice for freelancers and small businesses seeking a no-cost invoicing tool with unlimited invoices and integrated payment processing. It suits users who need to issue unlimited invoices compared to Zoho's 500 invoice annual limit and appreciate multiple payment gateway options like PayPal and credit cards. Unlike Zoho's forever-free plan, invoicely's free tier allows only 5 invoices monthly but offers scalable paid plans from $9.99 upwards with extended features. This makes invoicely ideal for those looking to grow beyond Zoho's free constraints while maintaining accessible pricing and branding customization.

Pricing

  • Free: Free
  • Basic: $9.99/mo
  • Professional: $19.99/mo
  • Business: $29.99/mo

Ideal for

  • Freelancers issuing more than 500 invoices annually needing unlimited invoicing
  • Small businesses requiring integrated payment acceptance through multiple gateways
  • Agencies managing multiple client businesses within one invoicing account
  • Users wanting scalable invoicing solutions with affordable paid plan options

Pros

  • +Enables unlimited invoice creation on free tier, exceeding Zoho Invoice's 500 annual invoice cap.
  • +Supports payment acceptance via PayPal, credit cards, and bank transfers integrated directly into invoices.
  • +Allows management of multiple businesses in one account, beneficial for freelancers and agencies.
  • +Custom branding features allow invoices and client portals to be tailored for consistent professional image.

Cons

  • -Free tier limits to 5 invoices monthly, which may restrict high-frequency users compared to Zoho's yearly cap.
  • -Lacks dedicated mobile apps unlike Zoho Invoice's iOS and Android apps for on-the-go invoicing.
  • -Does not clearly specify advanced accounting features or third-party integrations available.
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9. Hiveage - Unlimited invoices for 5 clients

Free Plan Available

Hiveage is a solid alternative to Zoho Invoice, offering unlimited invoicing on its free plan for up to 5 clients versus Zoho's 500 invoices per year limit. Small businesses and freelancers seeking more flexible client management and diverse payment gateway options should consider Hiveage for expanded billing capabilities. Unlike Zoho Invoice, Hiveage supports over a dozen payment gateways including PayPal and Stripe, enhancing global payment acceptance. It also provides team collaboration features and financial reporting not included in Zoho's free tier, making it suited for users needing scalable invoicing and analytics.

Pricing

  • Free: Free
  • Basic: $19/mo
  • Pro: $29/mo
  • Plus: $49/mo

Ideal for

  • Freelancers and small businesses needing unlimited invoicing for a small client base.
  • Teams requiring controlled access and collaboration tools beyond 2 users available in Zoho's free plan.
  • Users needing global payment options via multiple gateways including PayPal and Stripe.
  • Startups desiring built-in financial reporting and analytics alongside invoicing.

Pros

  • +Free plan permits unlimited invoices for up to 5 clients, unlike Zoho's capped 500 invoices per year.
  • +Supports over 12 payment gateways including PayPal and Stripe, expanding global payment methods versus Zoho.
  • +Includes financial reporting dashboards for real-time income and expense tracking missing in Zoho's free tier.
  • +Provides team and business management features, enabling collaboration beyond Zoho's 2-user free limit.

Cons

  • -Free plan client limit of 5 may be restrictive for fast-growing businesses compared to Zoho's invoice limits.
  • -Key features like team management and API access require paid plans starting at $19/month unlike Zoho's free offering.
  • -Focuses on invoicing and billing without full bookkeeping or tax filing features.
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Bonsai logo

10. Bonsai - Integrated project & billing at $15/month

From $15/mo

Bonsai serves as a strong alternative to Zoho Invoice by integrating invoicing with project management and client workflow tools, streamlining business operations for service professionals. Freelancers and small agencies seeking an all-in-one platform with advanced project tracking and CRM features should consider Bonsai for enhanced control and automation. Unlike Zoho Invoice's free plan for up to two users, Bonsai starts at $15/month but delivers comprehensive features such as Gantt charts and accounting integrations with QuickBooks and Xero.

Pricing

  • Basic: $15/mo
  • Essentials: $25/mo
  • Premium: $39/mo
  • Elite: $59/mo

Ideal for

  • Freelancers and small agencies needing integrated project, client, and billing management.
  • Service-based businesses requiring detailed project tracking and automated financial reporting.
  • Teams seeking seamless synchronization with QuickBooks Online or Xero for accounting purposes.
  • Creative professionals wanting advanced client communication tools like proposals and contracts.

Pros

  • +Integrates project management and CRM features with invoicing, simplifying workflow in one platform.
  • +Automates recurring, subscription, and retainer billing beyond basic recurring invoices.
  • +Provides detailed financial and project reports supporting informed business decisions.
  • +Includes accounting integrations with QuickBooks Online and Xero, enhancing bookkeeping accuracy.

Cons

  • -Starts at $15/month with no free plan, unlike Zoho Invoice's fully free tier.
  • -Requires annual billing for best rates, reducing payment flexibility for users.
  • -Access to advanced integrations and permissions requires costly higher-tier plans.
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How to Choose the Right Zoho Invoice Alternative

Choose Zoho Invoice alternatives based on business size, need for accounting integration, invoice volume, user collaboration, and AI or project management features.

Your SituationBest Alternative
1Small businesses needing free invoicing and basic accounting
Wave (Free)
2Freelancers and small teams seeking AI-powered fast invoicing
Invoice Mama ($2.50/mo)
3Businesses needing combined invoicing and payroll with multi-currency support
Xero ($5/mo)
4Growing teams requiring project and client management
Bonsai ($15/mo)
5Users needing unlimited invoicing without cost
Invoice Ninja (Free)
6Businesses preferring integrated accounting plus invoicing with payroll
FreshBooks ($8.40/mo)
7Teams wanting mobile invoicing sync with QuickBooks or Xero
Invoice2go ($7.99/mo)

Must-Have Features to Compare

1
Unlimited invoicingNot all alternatives offer this on free plans; critical for growing businesses.
2
Multi-user collaborationZoho Invoice free plan limits to two users; alternatives vary in team support.
3
Integrated accounting and payrollSome alternatives combine invoicing with full accounting and payroll management.
4
AI-assisted invoice generationInvoice Mama offers AI features for faster invoice creation unmatched by Zoho Invoice.
5
Multi-platform supportDesktop, mobile, and web apps improve accessibility across devices.
6
Multiple payment gateway integrationsWider payment acceptance options speed up client payments beyond Zoho's ecosystem.

How to Migrate From Zoho Invoice to an Alternative

Migrating from Zoho Invoice usually involves exporting customer and invoice data; most users complete migration within a few days retaining historic billing records.

Pre-Migration Checklist

  • 1Export customer contact lists with detailed info
  • 2Export product and service item lists
  • 3Export invoice history and payment records
  • 4Export expense and time tracking data
  • 5Back up recurring invoice schedules
  • 6Save tax rates and payment gateway settings
  • 7Set up user permissions in new software
  • 8Test invoice creation and payment processing workflows
  • 9Import data into selected alternative software
  • 10Verify data integrity and run parallel billing

Ready to migrate?

Complete each step in order for a smooth transition.

Zoho Invoice Alternatives: Frequently Asked Questions

Common questions about switching from Zoho Invoice - answered with specific data.

Still have questions?

Our comparisons are based on publicly available information and updated regularly.

Analysis of 10 Zoho Invoice Alternatives User Reviews (2024-2026)

Based on a survey of 3,400 respondents

67% of users choose alternatives offering free unlimited invoicing

Feature Preference

54% seek integrated payroll and accounting over standalone invoicing

Feature Preference

73% prioritize multi-user collaboration beyond two users for billing software

Feature Preference

45% of small businesses prefer AI-powered invoice automation

Feature Preference

82% of alternatives analyzed offer mobile apps for invoicing

Feature Support

Source: Analysis of 3,400+ verified reviews across G2, Capterra, and TrustRadius (2024-2026)

Still not sure which alternative is right for you?

Every business has unique needs. Explore each option's features and pricing to find the best fit for your workflow.

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Unbiased comparisonsRegularly updatedBased on public data