Plutio vs Zoho Invoice
We give Plutio 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 and ease of use. They get the same grade on features and platforms.
Price, platforms and features side by side. The table says where each price was read and when.
Plutio
All-in-one freelance app: projects, proposals, contracts and invoices
Zoho Invoice
Free invoicing app from Zoho for freelancers and small businesses
How we grade them
| 2.4GPAPlutioFair | 3.6GPAZoho InvoiceExcellent | |
|---|---|---|
| Value for money | CCore is $15.83 a month billed yearly, or $19 monthly, just past the cheaper quarter of accounting tools at $15. It's for one person and 9 active clients. More clients, or anyone helping you, means Pro at $40.83 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 7-day free trial with no card needed, but only 3 active clients while it runs. A week is short for judging something you'd bill clients from, and there's no free plan. | 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 | CUnlimited invoices, proposals and e-signed contracts, projects with boards and Gantt charts, time tracking, scheduling, forms and a client portal. But it keeps no books: the listing says accounting apps such as FreshBooks connect through Zapier. | 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. It does a lot, which means building it out first: clients, projects, proposal templates, forms and the workflows that chase people for you. | 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 | AWeb, Mac, Windows, iPhone and Android, with Stripe, PayPal, Square, Zapier, Google Calendar, FreshBooks, Calendly and DocuSign. That's the full spread. | 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 projects and invoices in one place | 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: Plutio and Zoho Invoice. How we grade
Price against what you get
Plutio starts at $15.83 a month and scores 2.7 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 $15.83 a month lower. Of the other accounting and invoicing tools on the chart, 2 score higher than Plutio 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
- Plutio starts at $15.83 per month, billed annually ($19 billed monthly). Zoho Invoice is free.
- Zoho Invoice has a free plan. Plutio does not, though it has a free trial.
- Plutio also covers booking links, kanban boards and forms.
- Zoho Invoice also covers reports and expense tracking.
At a glance
| Plutio | Zoho Invoice | |
|---|---|---|
| Pricing | Free trial | Free |
| Starts at | $15.83 per month, billed annually ($19 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 | 7-day free trial, no credit card required, with up to 3 active clients | None listed |
| Web | ||
| macOS | ||
| Windows | ||
| iOS | ||
| Android | ||
| Made by | Plutio Ltd | Zoho |
| Price read from | plutio.com | zoho.com |
| Checked | Oct 17, 2026 | Oct 17, 2026 |
Who each one suits
Plutio
- Freelancers who want proposals, contracts, projects and invoices in one place
- Agencies that bring contractors and clients into shared projects
- Businesses that want automated follow-ups on proposals and late invoices
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
Plutio
- Core is for one person and 9 active clients; contributors need Pro, which includes 30 and charges for more, or Max.
- White-label is a $9 a month add-on on Core and Pro, and single sign-on $5 a month on Pro; Max includes both.
- AI credits and workflow actions are capped each month by plan; extra AI credits and storage are sold separately.
- It is built around clients, projects and invoices; accounting apps such as FreshBooks connect through Zapier.
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
Plutio
- Invoices and payments
- Unlimited branded invoices that clients pay through Stripe, PayPal or Square. Plutio adds no transaction fee of its own.
- Proposals and contracts
- Interactive proposals and contracts that clients sign electronically, with tracking of when they view and sign.
- Projects and tasks
- Unlimited projects with Kanban boards, lists, calendars and Gantt charts, plus one-click time tracking onto invoices.
- Scheduling and forms
- Clients book meetings against your availability, and intake forms, questionnaires and surveys can be embedded or shared.
- Client portal
- Each client gets a login to see their projects, invoices, files and messages. White-labeling it costs extra below Max.
- Plutio Pal and workflows
- An AI assistant drafts proposals, contracts and emails using monthly credits, and workflow actions automate follow-ups and reminders.
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
Plutio
Core$15.83
per month, billed annually ($19 billed monthly)
$190 a year. Solo use: 9 active clients, no contributors, 500 AI credits and 500 workflow actions a month, and 100 GB storage.
Pro$40.83
per month, billed annually ($49 billed monthly)
$490 a year. Unlimited clients, 30 contributors, 2,500 AI credits and 5,500 workflow actions a month, and 500 GB storage.
Max$165.83
per month, billed annually ($199 billed monthly)
$1,990 a year. Unlimited clients and contributors, 10,000 AI credits and 50,000 actions a month, 2 TB storage, white-label and single sign-on.
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
Plutio
- Annual discount
Two months free with yearly billing
Yearly billing costs $190 for Core, $490 for Pro and $1,990 for Max, about two months less than twelve monthly payments.
Zoho Invoice
No public discounts listed.
