Invoice Ninja vs Xero Pricing (2026)
How do these two stack up on price? Here's what each one costs, what you get, and where the value sits.
| Invoice Ninja | Xero | |
|---|---|---|
| Starts at | $14/mo | $25/mo |
| Number of plans | 4 | 3 |
| Free plan | — | |
| Free trial | — | |
| Pricing model | hybrid | flat-rate |
Free
- 5 Clients + Unlimited Invoicing
- 4 Professional Invoice Templates
- Brand Invoices with Your Logo
- Accept Payments Online with a Click
- Auto-Billing & Recurring Invoices
- Product & Inventory Management
- Create Projects & Track Billable Time
- Kanban Boards for Projects
- Setup Vendors & Track Expenses
- Client-Side Invoice & Payment Portal
- Accept Deposits & Partial Payments
- Real-time Invoice PDF Preview
- Automatic Currency Conversions
Ninja Pro
Popular- Unlimited Clients & Invoices
- Remove "Created by Invoice Ninja"
- Email via Gmail, MSN & custom SMTP
- Branded URL: YourSite.invoicing.co
- 11 Professional Invoice Templates
- Fully Customize Invoice Designs
- API Integration with 3rd Party Apps
- Auto Late-Payment Reminder Emails
- Reports: Invoices, Expenses, P&L
- Bulk Email Invoices & Quotes
- Interlink 10 Companies with 1 Login
- Auto Sales Tax Calculation (US States)
- Client Group Settings
Enterprise
- Add Account Users (up to 100!)
- Set Access Permissions per User
- Attach Files to Emails & Client Portal
- Branded Portal: Billing.YourCompany.com
- Bank Account Sync (Yodlee / GoCardless)
- e-Invoicing & PEPPOL Network Access
- 250 PEPPOL credits included
- Lock Documents Until After Payment
- Client & Vendor Document Upload
Premium Business
- Developer Concierge
- Direct Priority Support
- Invoice Design Service
- Feature Request Priority
- Data Migration Assistance
- Custom Reports Built for You
Early
- Send quotes and 20 invoices†
- Accept online invoice payments^
- 5 bills
- Reconcile bank transactions
- Smart Document Capture
- View real-time reports
- W-9 + 1099 management
- Sales tax
- Visualize performance with basic graphs
- 30 day cash flow forecast
- Make online bill payments (Domestic - Free ACH)
- Make online bill payments (Cross Border)
Growing
- Send invoices and quotes
- Accept online invoice payments^
- Automate bill entry and track bills
- Auto-reconcile bank transactions (Beta)
- Smart Document Capture
- View real-time reports
- W-9 + 1099 management
- Sales tax
- Visualize performance with graphs
- 60 day cash flow forecast
- Make online bill payments (Domestic - Free ACH)
- Make online bill payments (Cross Border)
- Customize performance dashboards
- Tailored financial health scorecards
Established
Popular- Send invoices and quotes
- Accept online invoice payments^
- Automate bill entry and track bills
- Auto-reconcile bank transactions (Beta)
- Smart Document Capture
- View real-time reports
- W-9 + 1099 management
- Sales tax
- Visualize performance with graphs
- 180 day cash flow forecast
- Make online bill payments (Domestic - Free ACH)
- Make online bill payments (Cross Border)
- Customize performance dashboards
- Tailored financial health scorecards
- Analyze KPIs and ratios
- Use multiple currencies
- Track time and costs for projects
- Employee expense and mileage claims
- Benchmark against the industry
- Make online bill payments (International)
Invoice Ninja vs Xero FAQ
- Which one is cheaper?
- Invoice Ninja starts lower at $14/mo, compared to $25/mo for Xero.
- Can I use either one for free?
- Invoice Ninja has a free plan. Xero doesn't — though they do offer a free trial.
- How do they charge?
- Different approach here. Invoice Ninja uses hybrid pricing, while Xero goes with flat-rate. That changes the math depending on your team size and usage.
- Which one is a better deal?
- Depends on what you need. Invoice Ninja: At $14-18/mo entry, they're undercutting the FreshBooks/QuickBooks crowd hard, positioning as the budget-to-mid option for freelancers and small agencies who don't want enterprise invoicing bloat. The custom Premium tier is their play to not leave money on the table once a client looks like it could afford more. Xero: At $25–$90/mo, Xero sits in the same ballpark as QuickBooks Online but positions slightly more premium on the low end while staying competitive at the top. They're clearly targeting small-to-mid businesses that have outgrown spreadsheets and want a polished, accountant-friendly platform — not the budget-first crowd.
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