Invoice Ninja vs Zoho Books 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 | Zoho Books | |
|---|---|---|
| Starts at | $14/mo | $20/mo |
| Number of plans | 4 | 4 |
| 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
FREE
- Create invoices, quotes, expenses & journals
- Receipt autoscans (New)
- Sales receipts
- Manage vendors
- Mileage tracking
- Accept online payments
- Enable self-service customer portal
- Retention payments
- Automate payment reminders
- Bank reconciliation
- Setup recurring invoices
- W-9 management
- Track 1099 contractors
- Prepare and file 1099s
- P&L, Balance Sheet & 50+ Reports
STANDARD
- Progress invoicing
- Track sales tax and use tax
- E-File 1099-MISC & 1099-NEC
- Connect bank feeds
- Setup recurring expenses
- Enable transaction period locking
- Add custom fields
- Create custom reports
- Create journal templates
- API Access
PROFESSIONAL
Popular- Track sales and purchase orders
- Record multi-currency transactions
- Bill timesheets
- Project profitability
- Manage retainers
- Track inventory
- Create price lists
- Setup sales and purchase approvals
- Customize business workflows
- Collaborate with users (chat, voice, video and screen sharing)
- Create custom user roles
PREMIUM
- Revenue recognition - Basic
- Fixed asset management
- Profit Margin
- Manage budgets
- Cashflow forecasting
- Enable self-service vendor portal
- Set up custom domain
- Create business-specific custom modules
- Add custom button
- Create custom field validation rules
- Embed contextual web pages/apps
- Manage custom functions
Invoice Ninja vs Zoho Books FAQ
- Which one is cheaper?
- Invoice Ninja starts lower at $14/mo, compared to $20/mo for Zoho Books.
- Can I use either one for free?
- Both offer free plans, so you can try each without paying. Start with whichever fits your workflow better and upgrade when you hit the limits.
- How do they charge?
- Different approach here. Invoice Ninja uses hybrid pricing, while Zoho Books 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 pricing with a genuinely usable free tier, Invoice Ninja undercuts most invoicing/accounting SaaS competitors that charge $25-50/mo just to get started. They're clearly playing the budget-conscious freelancer and small-agency card, not chasing enterprise accounts that want white-glove service — though the custom Premium tier is a hedge to not leave that money on the table. Zoho Books: Sitting well under QuickBooks and Xero at every tier, Zoho Books is clearly playing the value card for cost-conscious small businesses and Zoho ecosystem users who want accounting bundled cheaply with CRM, inventory, and other Zoho apps.
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