Billy vs Zoho Invoice (2026): which should you pick?
As of Nov 13, 2026, we pick Zoho Invoice: it is third in our ranking of accounting and invoicing tools, and it grades higher too, 3.6 against 2.2.
Checked Oct 17, 2026 and Nov 12, 2026 · graded Oct 17, 2026 and Nov 12, 2026 by ToolGPA
Zoho Invoice grades higher on value for money, the free plan, ease of use and platforms. They get the same grade on features.
Price, platforms and features side by side. The table says where each price was read and when.
Zoho Invoice
Free invoicing app from Zoho for freelancers and small businesses
Which one is for you
Pick Billy if
- Fits if you're a Danish sole trader sending a few invoices a month
- Works for small Danish companies that want accountant access built in
Look elsewhere if
- Tight if you send more than 3 invoices or file more than 10 receipts a month, which is where Free stops
- Pricey if you want annual accounts: they cost extra, from 2,495 kr., and the accountant package from 4,495 kr.
- Not for you if you're outside Denmark, as it's Danish kroner and Danish rules
- Watch out: Complete has a 12-month commitment, and the site says Billy is now part of Shine
Pick Zoho Invoice if
- Fits if you're a freelancer sending fewer than 500 invoices a year
- Works for teams already on Zoho CRM or Zoho Books
Look elsewhere if
- Too light for keeping the books, as it's invoicing only and hands that job to Zoho Books or QuickBooks
- Tight if you track time on more than 3 projects or need more than 2 users, since those are the caps
- Not for you if you only invoice now and then, as an account idle for 180 days gets deleted
- Tight if you send more than 500 invoices a year, as there's no paid plan to move up to
- Watch out: every invoice carries Powered by Zoho Invoice, and Zoho points larger needs to Zoho Billing
How we grade them
| 2.2GPABillyFair | 3.6GPAZoho InvoiceExcellent | |
|---|---|---|
| Value for money | C160 kr. a month for Basic and 295 kr. for Plus, both excluding VAT. That's around the middle of what this category charges. | AIt's free, and it covers quotes, recurring invoices, reminders, a customer portal, expenses and time tracking. There's no paid plan at all, where paid plans in this category start around $15 a month. |
| Free plan and trial | CA free plan of 3 invoices and 10 receipts a month, after a 30-day trial. Three invoices a month is a cap you'll hit once you have a few clients. | AEverything is free, with nothing held back for a paid tier. The caps are 2 users, 2 organizations, 3 projects and 500 invoices a year, and every invoice says Powered by Zoho Invoice. |
| Features | CInvoices, receipts, VAT filing, payroll and accountant access. Annual accounts cost extra, from 2,495 kr., so the whole job isn't in the plan price. | CQuotes, one-off and recurring invoices, reminders, online payments through several gateways, expenses, time on projects and reports. It does invoicing fully, but that's a smaller job than accounting: it hands off to Zoho Books or QuickBooks for the books. |
| Ease of use | CNo store rating on record, and the pricing page is in Danish. There's an account and receipts to set up before it saves you time. | A4.86 from 14,879 App Store ratings, the top band. Making and sending an invoice is the whole job here, so there isn't much to learn. |
| Platforms and integrations | BWeb, iPhone and Android, with MobilePay as an integration and unlimited integrations from Plus. No desktop app. | AWeb, Windows, Mac, iPhone and Android, with Zoho Payments, PayPal, Stripe, Authorize.net, Zoho CRM, HubSpot, Slack and QuickBooks. That's every device type plus a list of connections. |
| Best for | free Danish invoicing and bookkeeping | free invoicing on every device |
The GPA is the average of the five grades: an A is 4 points, an F is none. The full reasons are on each tool's page: Billy and Zoho Invoice. How we grade
Where they differ
- Billy also covers bookkeeping, payroll and quotes and estimates.
- Zoho Invoice also covers time tracking and reports.
At a glance
| Billy | Zoho Invoice | |
|---|---|---|
| Pricing | Free plan | Free |
| Starts at | 160 kr. per month, excl. VAT | Free |
| Free plan | 3 invoices and 10 expense receipts per month, VAT filing, receipt upload and technical email and chat support. | Free for every business: up to 2 users, 2 organizations, 3 projects and 500 invoices a year, with Powered by Zoho Invoice branding. |
| Free trial | 30-day trial before moving to the Free plan | None listed |
| Web | ||
| macOS | ||
| Windows | ||
| iOS | ||
| Android | ||
| Made by | Billy ApS | Zoho |
| Price read from | billy.dk | zoho.com |
| Checked | Nov 12, 2026 | Oct 17, 2026 |
Worth knowing
Billy
- The Free plan caps usage at 3 invoices and 10 expense receipts a month.
- Prices are in Danish kroner, excluding VAT, and the Complete plan carries a 12-month commitment.
- Annual accounts cost extra on most plans, from 2,495 kr., and the accountant package from 4,495 kr.
- The site says Billy is now part of Shine, so the product and its pricing may move to Shine's pages.
Zoho Invoice
- The free account allows 2 users, 3 projects and 500 invoices a year, and invoices carry Powered by Zoho Invoice branding.
- It is invoicing, not full accounting: it connects to Zoho Books or QuickBooks for the books, and Zoho points larger needs to Zoho Billing.
- Data of an account left inactive for more than 180 days is deleted within the following 20 days, after a warning.
Key features
Billy
- Invoices and quotes
- Send invoices and quotes in your own design, with card and MobilePay payment on invoices, and set up subscription invoices.
- Receipts and bookkeeping
- Scan, upload and store receipts, with a bookkeeping assistant that suggests how to post each expense.
- VAT reporting
- Report VAT figures to the Danish tax authority directly from the program and connect a bank to match transactions.
- Payroll
- Produce payslips from the same account and have the payroll posted to the books automatically. Billed per payslip.
- Accountant access
- Give an accountant access to the books from the Basic plan up, with add-on packages for annual accounts.
- Mobile app
- A mobile app for scanning receipts and sending quotes and invoices while out with customers.
Zoho Invoice
- Quotes and invoices
- Create quotes, turn them into invoices, and send invoices by email or as PDFs from customizable templates.
- Recurring invoices and reminders
- Schedule invoices that repeat and send automatic payment reminders to customers who have not paid.
- Online payments
- Connect Zoho Payments, PayPal, Stripe, Authorize.net and other gateways so customers can pay invoices online.
- Expenses, time and projects
- Record and categorize expenses, log time and bill it to projects, up to three projects on the free account.
- Customer portal and reports
- Customers view and pay their invoices in a self-service portal, and reports cover sales, receivables and expenses.
Plans
Billy
Free0 kr.
per month, excl. VAT
3 invoices and 10 expense receipts a month, VAT filing and receipt upload.
Basic160 kr.
per month, excl. VAT (page notes a saving vs monthly billing)
No usage limits, ad-free invoices, accountant access and full bookkeeping support by email and chat.
Plus295 kr.
per month, excl. VAT (page notes a saving vs monthly billing)
Adds AI accounting features, Copilot access, unlimited integrations, payroll and phone support.
Complete595 kr.
per month, excl. VAT, 12-month commitment
Everything in Plus, with a quarterly accounts check, priority support and a do-it-yourself annual report included.
Zoho Invoice
Free$0
Quotes, invoices, recurring invoices, reminders, expenses, time tracking, a customer portal and reports, within the caps on users, projects and invoices.
Ways to pay less
Billy
- Other savings
50% off payroll for 12 months
Billy's homepage says payroll is charged per payslip, with a 50% saving during the first 12 months.
Zoho Invoice
No public discounts listed.
Common questions
Which is cheaper, Billy or Zoho Invoice?
As of Nov 12, 2026, Billy starts at 160 kr. per month, excl. VAT, and Zoho Invoice is free.
Which has a free plan, Billy or Zoho Invoice?
As of Nov 12, 2026, both Billy and Zoho Invoice have a free plan.
Which platforms do Billy and Zoho Invoice run on?
As of Nov 12, 2026, only Zoho Invoice lists macOS and Windows apps. Both list a web app and iOS and Android apps. A platform missing from a listing is one its maker's pages did not mention.
More comparisons
How this page was made
- The verdict at the top follows a fixed rule. When both tools are in the same category and either is in our top three for it, the verdict follows that ranking: the higher-placed tool is our pick. The top three weigh who each tool suits as well as its grades, so a pick can go against the GPA. Otherwise the page does not pick one and says which grades higher: the higher GPA first; on a tie, the one with a free plan, then the one that starts cheaper in dollars a month, counted the same way for both; if they are still level, what the choice depends on.
- The grades are our own, from each tool’s review or report card. The GPA is their average.
- Prices, plans and platforms come from each tool’s listing. The table above says where each price was read and when.
- The differences and the answers to the questions are worked out from those listings.