Zervant 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 2.4.
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.
Zervant
Invoicing and estimates for sole traders, with a free plan
Zoho Invoice
Free invoicing app from Zoho for freelancers and small businesses
Which one is for you
Pick Zervant if
- Fits if you are a sole trader who sends a few invoices a month
- Works for someone who wants estimates turned into invoices from a phone
Look elsewhere if
- Too light for bookkeeping: it is an invoicing tool with no ledger
- Tight if you stay free, with 5 customers and 5 invoices a month, and 30 customers on Starter
- Watch out: card payments cost 1.9% + €0.25 per invoice for European cards, and bank payments €0.99 plus VAT
- Watch out: recurring invoices and bank connection start at Pro, and prices are in euros excluding VAT
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
| 2.4GPAZervantFair | 3.6GPAZoho InvoiceExcellent | |
|---|---|---|
| Value for money | BStarter is €9.99 a month billed yearly, inside the cheapest quarter of accounting tools ($15). Pro is €17.99 and Growth €41.99. | 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 | CFree plan with 5 customers and 5 invoices a month, which a busy sole trader will reach. Paid monthly plans have a 14-day trial. | 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, estimates, e-invoices, post delivery, time tracking, reminders and recurring invoices. It does the invoicing job fully, but invoicing is a smaller job than bookkeeping. | 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. You enter your business and customer details first. | 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 plus iPhone and Android apps. No integrations list or API was found. | 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 | invoices and estimates for sole traders | 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: Zervant and Zoho Invoice. How we grade
Price against what you get
Zervant starts at about $11.16 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 $11.16 a month lower. Of the other accounting and invoicing tools on the chart, 5 score higher than Zervant 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
- Zervant also covers quotes and estimates.
At a glance
| Zervant | Zoho Invoice | |
|---|---|---|
| Pricing | Free plan | Free |
| Starts at | €9.99 per month, billed annually (€11.99 billed monthly) | Free |
| Free plan | 5 customers and 5 invoices a month, with estimates, mobile app and time tracking. | 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 on monthly-paid plans | None listed |
| Web | ||
| macOS | ||
| Windows | ||
| iOS | ||
| Android | ||
| Made by | Zervant | Zoho |
| Price read from | zervant.com | zoho.com |
| Checked | Nov 12, 2026 | Oct 17, 2026 |
Worth knowing
Zervant
- The Free plan stops at 5 customers and 5 invoices a month, and Starter at 30 customers.
- Card payments cost 1.9% + €0.25 per invoice for European cards, and bank payments €0.99 plus VAT per invoice.
- Prices are in euros, excluding VAT, with versions in pounds, kronor and francs; they may differ outside the main European markets.
- This is an invoicing tool; it is not a full bookkeeping ledger.
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
Zervant
- Invoices and estimates
- Create and send invoices and estimates by email or PDF, and turn an accepted estimate into an invoice.
- E-invoices and postal delivery
- Premium deliveries send an invoice as an e-invoice or by post, with monthly allowances that rise by plan.
- Time tracking
- Track working hours and transfer tracked time onto an invoice on Pro and Growth.
- Online payments
- Customers can pay by card or bank from the invoice email, priced per use rather than in the plan.
- Recurring invoices
- Pro and Growth add recurring invoices, down payments, payment schedules and multiple trade names.
- Payment reminders
- Send reminders on overdue invoices from the Starter plan up.
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
Zervant
Free€0
5 customers and 5 invoices a month, estimates and the mobile app.
Starter€9.99
per month, billed annually (€11.99 billed monthly)
30 customers, unlimited invoices, estimates converted to invoices, payment reminders.
Pro€17.99
per month, billed annually (€20.99 billed monthly)
Unlimited customers, recurring invoices, down payments, payment schedules and bank connection.
Growth€41.99
per month, billed annually (€47.99 billed monthly)
Pro features with more premium deliveries: 30 a month by e-invoice or post, against 10 on Pro.
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
Zervant
- Annual discount
Save up to 15% with yearly plans
The pricing page says yearly plans save up to 15% against monthly ones, which come with a 14-day trial.
Zoho Invoice
No public discounts listed.
Common questions
Which is cheaper, Zervant or Zoho Invoice?
As of Nov 12, 2026, Zoho Invoice is cheaper to start with: it is free, against about $11.16 a month for Zervant. Zervant starts at €9.99 per month, billed annually (€11.99 billed monthly), and Zoho Invoice is free.
Which has a free plan, Zervant or Zoho Invoice?
As of Nov 12, 2026, both Zervant and Zoho Invoice have a free plan.
Which platforms do Zervant 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.