Moxie vs Zoho Invoice
We give Moxie a 2.4 GPA and Zoho Invoice a 3.6, out of 4.0. 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.
Moxie
Freelance business app: clients, projects, invoices and basic books
Zoho Invoice
Free invoicing app from Zoho for freelancers and small businesses
How we grade them
| 2.4GPAMoxieFair | 3.6GPAZoho InvoiceExcellent | |
|---|---|---|
| Value for money | BStarter is $10 a month billed yearly or $12 monthly, inside the cheaper quarter of accounting tools at $15, and it already invoices, tracks time and sends proposals and contracts. Syncing with QuickBooks needs Pro at $20 billed yearly. | AIt's free, and it's a real invoicing app: 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 14-day free trial, and the listing doesn't say whether it needs a card. There's no free plan, though Moxie offers scholarships by location or need. | 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 | CClients, projects, proposals, contracts, time tracking, invoices with card, PayPal or ACH payments, forms, scheduling and a pipeline. As accounting it's basic income and expense tracking, though, and Moxie itself suggests QuickBooks to finish the books. | 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. There's a fair bit to set up before it pays off: clients, projects, proposal and contract templates, and a bank connection. | 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, where the app is called Hectic, with Stripe, PayPal, Plaid, QuickBooks, Outlook, Zapier and Make. There's no desktop app, which keeps it off an A. | AWeb, Windows, Mac, iPhone and Android, with Zoho Payments, PayPal, Stripe, Authorize.net, Zoho CRM, HubSpot, Slack and QuickBooks. That's every device plus a real list of connections. |
| Best for | freelancers who want clients and invoices in one app | 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: Moxie and Zoho Invoice. How we grade
Price against what you get
Moxie starts at $10 a month and scores 2.3 out of 4 on features, ease of use and platforms. Zoho Invoice has no paid plan and scores 3.3.
Zoho Invoice scores higher and starts $10 a month lower. Of the other accounting and invoicing tools on the chart, 3 score higher than Moxie for less, and none scores higher than Zoho Invoice for less.
Features, ease of use and platforms, averaged
What paid plans start at, a month (each step along is roughly double) →
- The best score at each price
- Has a free plan
- No free plan
Where they differ
- Moxie starts at $10 per month, billed annually ($12 billed monthly). Zoho Invoice is free.
- Zoho Invoice has a free plan. Moxie does not, though it has a free trial.
- Only Zoho Invoice lists Windows and macOS apps.
- Moxie also covers booking links, sales pipeline and forms.
- Zoho Invoice also covers reports.
At a glance
| Moxie | Zoho Invoice | |
|---|---|---|
| Pricing | Free trial | Free |
| Starts at | $10 per month, billed annually ($12 billed monthly) | Free |
| Free plan | None | 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 | 14-day free trial | None listed |
| Web | ||
| macOS | ||
| Windows | ||
| iOS | ||
| Android | ||
| Made by | Moxie | Zoho |
| Price read from | withmoxie.com | zoho.com |
| Checked | Oct 17, 2026 | Oct 17, 2026 |
Who each one suits
Moxie
- Solo freelancers who want clients, projects and invoices in one app
- Small creative agencies of up to five people
- Freelancers who track time and bill expenses back to clients
Zoho Invoice
- Freelancers who send fewer than 500 invoices a year
- Small businesses that want free invoicing on phone and desktop
- Teams already using Zoho CRM or Zoho Books
Worth knowing
Moxie
- The accounting is basic income and expense tracking; Moxie suggests QuickBooks to finish the books, and that sync needs Pro.
- There is no free plan; Teams covers at most five team members, though project collaborators are unlimited.
- The Communicator phone line works in the US, Canada and the UK only, and needs Pro or Teams.
- The mobile app is listed in the App Store and Google Play under the name Hectic.
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
Moxie
- Invoices and payments
- Turn tracked time and expenses into invoices, with recurring invoices, reminders and late fees. Clients pay by card, PayPal or ACH through Stripe or PayPal.
- Income and expense tracking
- Connect a bank or card through Plaid so expenses fill in, attach receipts and bill costs back to clients. Pro syncs with QuickBooks.
- Proposals and contracts
- Send proposals, quotes and contracts to clients from templates, on every plan.
- Projects and time tracking
- Plan deliverables, track time on the web or phone, and add project collaborators, unlimited from Pro.
- Client portal and inbox
- A client portal, white-labeled from Pro, plus a combined calendar and inbox that connects Google, iCal and Outlook.
- Scheduling, forms and pipeline
- Meeting schedulers, a form builder and a sales pipeline for leads are included from Starter.
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
Moxie
Starter$10
per month, billed annually ($12 billed monthly)
$120 a year. Clients, projects, invoicing and payments, proposals and contracts, time tracking, pipeline, basic accounting, forms and scheduling.
Pro$20
per month, billed annually ($25 billed monthly)
$240 a year. Adds a custom domain, white-label client portal, ticketing, automations, a phone line, API and Zapier access and QuickBooks sync.
Teams$32
per month for up to 5 members, billed annually ($40 billed monthly)
$385 a year. Everything in Pro for up to five team members, with one more phone line and access levels for an accountant or partner.
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
Moxie
- Annual discount
Save up to 20% with annual billing
Paying yearly costs $120 for Starter, $240 for Pro and $385 for Teams, against $12, $25 and $40 a month billed monthly.
- By country
Scholarships by location or need
Moxie offers location-based scholarships to freelancers in countries the World Bank rates low or lower-middle income, and need-based help elsewhere on request.
Zoho Invoice
No public discounts listed.
