Swipe 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 2.8.
Checked Oct 17, 2026 and Nov 13, 2026 · graded Oct 17, 2026 and Nov 13, 2026 by ToolGPA
Zoho Invoice grades higher on the free plan, ease of use and platforms. They get the same grade on value for money and features.
Price, platforms and features side by side. The table says where each price was read and when.
Swipe
Free invoicing, GST billing and inventory for small businesses
Zoho Invoice
Free invoicing app from Zoho for freelancers and small businesses
Which one is for you
Pick Swipe if
- Fits if you run a small Indian shop and want GST invoices without paying
- Works for sellers who keep stock and ship through Shopify or Shiprocket
Look elsewhere if
- Skip it if you need e-invoicing, since that's a separate plan with no price shown
- Tight if you stay free, because online payments and watermark-free bills need Pro
- Watch out: unlimited e-way bills, batch tracking and POS billing are Jet at ₹3,799 a year
- Not for you if you run several businesses or warehouses, which means the custom Advanced plan
- Watch out: Pro and Jet are billed yearly or for three years, and these prices are the India edition only
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
| 2.8GPASwipeGood | 3.6GPAZoho InvoiceExcellent | |
|---|---|---|
| Value for money | AThe paid plan is ₹2,799 a year on the India page, roughly $3 a month, under 60% of the $9 where this category's cheaper quarter starts. The free plan also has unlimited invoices. | 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 | BUnlimited invoices, items and customers for 1 user and 1 business, free. One person can live on that, but 512 MB of storage and 10 AI scans are the edge. | 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, quotes, inventory, GST reports and POS billing. The listing shows gaps: e-invoicing is a separate plan, POS is web only, and several businesses or warehouses need the custom plan. | 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's a web app and two phone apps, and billing, GST and inventory need setting up before you're productive. | 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, Android and iOS, with Tally, Shopify, Shiprocket and an API. 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 GST invoicing for small Indian businesses | 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: Swipe and Zoho Invoice. How we grade
Price against what you get
Swipe starts at about $2.45 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 $2.45 a month lower. Of the other accounting and invoicing tools on the chart, 6 score higher than Swipe 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
- Swipe also covers inventory and online store.
- Zoho Invoice also covers time tracking.
At a glance
| Swipe | Zoho Invoice | |
|---|---|---|
| Pricing | Free plan | Free |
| Starts at | ₹233 per month, billed yearly (₹2,799 a year) | Free |
| Free plan | Unlimited invoices, items and customers, 1 business, 1 user and 512 MB of storage, on web, Android and iOS. | 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 | None listed | None listed |
| Web | ||
| macOS | ||
| Windows | ||
| iOS | ||
| Android | ||
| Made by | Nextspeed Technologies | Zoho |
| Price read from | getswipe.in | zoho.com |
| Checked | Nov 13, 2026 | Oct 17, 2026 |
Worth knowing
Swipe
- The prices here are the India edition; each country has its own pricing page.
- Pro and Jet are billed yearly or for three years; no monthly-billed price is shown.
- E-invoicing is a separate plan whose price the pricing page does not show.
- POS billing is web only, and multiple businesses or warehouses need the custom Advanced plan.
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
Swipe
- Invoices and quotations
- Unlimited invoices, purchases and quotations on the free plan, with A4, A5 and thermal printouts and sharing by WhatsApp or email.
- GST, e-way bills and e-invoicing
- GSTR-1 reports come with Pro, unlimited e-way bills with Jet, and e-invoicing with its own plan that adds IRN generation.
- Inventory
- Stock in and out on every plan, with batch and expiry and serial number or IMEI tracking from Jet.
- Swipe AI document scans
- Scans documents on the web app: 10 free on Free, 100 free on Pro and Jet, then 7 credits per scan.
- Integrations
- Lists Tally, Shopify, Shiprocket, an API, custom email and WhatsApp providers Wati and Interakt.
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
Swipe
Free₹0
Unlimited invoices, purchases and quotations for 1 business and 1 user, with 10 free AI document scans.
Pro₹233
per month, billed yearly (₹2,799 a year)
2 users, no watermark on bills, online payments, GSTR-1 and 40+ reports, 1 GB storage. Crossed out: ₹345 a month.
Jet₹317
per month, billed yearly (₹3,799 a year)
Pro plus unlimited e-way bills, bulk actions, batch and expiry, serial numbers and web POS billing. Crossed out: ₹498.
AdvancedCustom
Multiple businesses and warehouses, manufacturing (BOM), exports and multi-currency, recurring invoices and an online store.
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
Swipe
- Other savings
₹500 off when upgrading within 7 days
The India pricing page shows a welcome offer of ₹500 off for new sign-ups who upgrade within 7 days.
Zoho Invoice
No public discounts listed.
Common questions
Which is cheaper, Swipe or Zoho Invoice?
As of Nov 13, 2026, Zoho Invoice is cheaper to start with: it is free, against about $2.45 a month for Swipe. Swipe starts at ₹233 per month, billed yearly (₹2,799 a year), and Zoho Invoice is free.
Which has a free plan, Swipe or Zoho Invoice?
As of Nov 13, 2026, both Swipe and Zoho Invoice have a free plan.
Which platforms do Swipe and Zoho Invoice run on?
As of Nov 13, 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.