The Zoho Invoice Insider’s Guide
Everything we know about Zoho Invoice in one document: what it costs, its grades, getting a refund, getting help and what else to look at. Read it here, or keep a copy.
Zoho Invoice
The Insider’s Guide
Free invoicing app from Zoho for freelancers and small businesses
Every plan, grade, refund rule and rival among accounting and invoicing tools, read from Zoho Invoice’s own pages.
Made by Zoho · checked Oct 17, 2026 · toolgpa.com
Contents
- 01WelcomeWhat it is, who it suits, its grades and the ten things to know first
- 02What it costsEvery plan, the free plan, ways to pay less and how prices have moved
- 03What it doesIts main features, where it runs, what it works with and who makes it
- 04Where it standsIts grades against its category, and whether to keep it or make your own
- 05The alternativesThe tools it is most often weighed against, side by side
- 06Quick answersThe questions people ask about it, each answered in a line or two
- 07About ToolGPAWho made this guide, what else is on the site, and how to cite it
ToolGPA put this guide together from Zoho Invoice’s own pages, its app-store listings and our grades. Every fact in it is on Zoho Invoice’s page too, where it is kept up to date. Checked Oct 17, 2026.
Part 01 · Overview
Welcome
What it is, who it suits, its grades and the ten things to know first
3.6
GPA, above 17 of the 17 other accounting and invoicing tools we grade
Zoho Invoice is a free invoicing app from Zoho for freelancers and small businesses. It sends quotes, one-off and recurring invoices with payment reminders, takes card payments through connected gateways, and also logs expenses and time against projects. It has no paid plans; the free account caps users, projects and invoices a year, and Zoho points growing businesses to its other finance apps.
To get you started, here are 8 things to know about Zoho Invoice, taken from its own pages and our grades.
Making and sending an invoice is the whole job here, so there isn't much to learn.
- 1
Best for free invoicing on every device
It's invoicing, not accounting, so the books still live somewhere else.
- 2
It is free
Zoho Invoice has no paid plan at all. Free for every business: up to 2 users, 2 organizations, 3 projects and 500 invoices a year, with Powered by Zoho Invoice branding.
- 3
It runs on 5 platforms
Web, iOS, Android, Windows and macOS.
- 4
Quotes and invoices
Create quotes, turn them into invoices, and send invoices by email or as PDFs from customizable templates.
- 5
Recurring invoices and reminders
Schedule invoices that repeat and send automatic payment reminders to customers who have not paid.
- 6
Online payments
Connect Zoho Payments, PayPal, Stripe, Authorize.net and other gateways so customers can pay invoices online.
- 7
A 3.6 GPA, above 17 of 17
That is against the other accounting and invoicing tools we grade, on value, the free plan, features, ease of use and platforms.
- 8
Keep it
Zoho Invoice is free, so making your own would save you nothing.
Zoho Invoice at a glance
- Pricing
- Free
- Free plan
- Yes
- Free trial
- None stated
- Runs on
- Web, macOS, Windows, iOS, Android
- Made by
- Zoho
- Category
- Accounting & Invoicing
- Our grade
- 3.6 GPA, excellent
- Store rating
- 4.9 on the App Store, 14,879 ratings
The report card
Best for free invoicing on every device
Zoho Invoice is free, with no paid plan waiting for you: quotes, recurring invoices, reminders, online payments, expenses and time tracking, on the web, your computer and your phone. It's invoicing, not accounting, so the books still live somewhere else. And the limits are real: 500 invoices a year, 2 users, 3 projects and Zoho's name on every invoice.
| Subject | Grade | Comment |
|---|---|---|
| Value for money | A | It'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 | A | Everything 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 | C | Quotes, 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 | A | 4.86 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 | A | Web, 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. |
An A is worth 4 points, a B 3, a C 2, a D 1 and an F nothing. The GPA is the average of the five.
Who Zoho Invoice is for
- Great if you're a freelancer sending fewer than 500 invoices a year and want to pay nothing
- Handy when you invoice from your phone one day and your laptop the next
- Good for teams already on Zoho CRM or Zoho Books, as it plugs straight in
Who it is not for
- 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, since that's the cap
- Not for you if you only invoice now and then, as an account idle for 180 days gets deleted
Good to know
Good for
- 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
- 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.
Part 02 · Pricing
What it costs
Every plan, the free plan, ways to pay less and how prices have moved
Free
No paid plan at all
Zoho Invoice is free to use.
It's free, and it's a real invoicing app: quotes, recurring invoices, reminders, a customer portal, expenses and time tracking.
Free
$0
Quotes, invoices, recurring invoices, reminders, expenses, time tracking, a customer portal and reports, within the caps on users, projects and invoices.
The free plan
Free for every business: up to 2 users, 2 organizations, 3 projects and 500 invoices a year, with Powered by Zoho Invoice branding.
Read from zoho.com on Oct 17, 2026.
Part 03 · Features
What it does
Its main features, where it runs, what it works with and who makes it
5
Places it runs: Web, macOS, Windows, iOS and Android
Free invoicing app from Zoho for freelancers and small businesses. Here is what it does, as its own site describes it, and what it covers: time tracking, invoicing, reports, expense tracking.
Quotes, one-off and recurring invoices, reminders, online payments through several gateways, expenses, time on projects and reports.
- 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.
Where it runs
- Web
- macOS
- Windows
- iOS
- Android
What it works with
- Zoho Payments
- PayPal
- Stripe
- Authorize.net
- Zoho CRM
- HubSpot
- Slack
- QuickBooks
Zoho Invoice is made by Zoho.
Part 04 · Standing
Where it stands
Its grades against its category, and whether to keep it or make your own
17/17
Other accounting and invoicing tools it is graded above
Zoho Invoice's GPA of 3.6 is higher than 17 of the 17 other accounting and invoicing tools we grade.
It stands best on value for money (A, above 15 of 17) and worst on features (C, above 0).
Zoho Invoice has no paid plan.
On features, ease of use and platforms it scores 3.3 out of 4, and no tool on the category's chart scores higher without costing more.
Each grade against the category
Every bar is all 18 accounting and invoicing tools we grade, cut by the letter each got. Zoho Invoice’s own letter is outlined.
- AValue for moneyAbove 15 of 17
- AFree plan and trialAbove 14 of 17
- CFeaturesAbove 0 of 17
- AEase of useAbove 13 of 17
- APlatforms and integrationsAbove 14 of 17
Price against what you get
Each dot is one of 18 accounting and invoicing tools. Further left costs less; higher up scores better on features, ease of use and platforms. Zoho Invoice is the marked dot.
What paid plans start at, a month (each step along is roughly double) →
Keep it, or make your own?
Whether this is something you could build for yourself with an AI app builder, and what you would give up.
Keep it
Zoho Invoice is free, so making your own would save you nothing.
And it is not the kind of software a weekend replaces. It is one of the better ones too: its GPA of 3.6 is higher than 17 of the 17 other accounting and invoicing tools we grade.
What you could make
- Invoicing, expense tracking, time tracking and reports: an app builder makes these well.
What you could not
- Apps for macOS, Windows, iOS and Android that stay in step with each other.
- It plugs into other products, Zoho Payments, PayPal and Stripe among them.
What this rests on. Zoho Invoice’s listing: what it does, where it runs, what it plugs into and what it costs. It is a judgement about the kind of software this is. We have not built a replacement for it, and making your own means looking after it too. How we decide, and every tool’s verdict.
Part 05 · Alternatives
The alternatives
The tools it is most often weighed against, side by side
Zoho Books, Wave, FreshBooks, Square Invoices and ZipBooks
The 5 tools Zoho Invoice is most often weighed against, with where each one differs from it.
- 3.4GPA
Zoho Books
Free plan · from $15/mo
Online accounting from Zoho, with a free plan and six paid tiers.
- Only Zoho Invoice lists a macOS app.
- Zoho Invoice also covers time tracking.
- Zoho Books also covers bookkeeping.
- 2.4GPA
Wave
Free plan · from $19/mo
Free invoicing and bookkeeping for US and Canadian small businesses.
- Only Zoho Invoice lists Windows and macOS apps.
- Zoho Invoice also covers time tracking.
- Wave also covers bookkeeping and payroll.
- 2.6GPA
FreshBooks
Free trial · from $23/mo
Invoicing and accounting for freelancers and service businesses.
- Zoho Invoice has a free plan. FreshBooks does not, though it has a free trial.
- Only Zoho Invoice lists Windows and macOS apps.
- FreshBooks also covers bookkeeping and payroll.
- 2.8GPA
Square Invoices
Free plan · from $49/mo
Free invoicing, estimates and contracts inside Square's payment plans.
- Only Zoho Invoice lists Windows and macOS apps.
- Zoho Invoice also covers time tracking and expense tracking.
- 2.4GPA
ZipBooks
Free plan · from $15/mo
Browser-based invoicing and bookkeeping with a free starter plan.
- Only Zoho Invoice lists iOS, Android, Windows and macOS apps.
- ZipBooks also covers bookkeeping.
Part 06 · Questions
Quick answers
The questions people ask about it, each answered in a line or two
12
Questions, each answered in a line or two
The short version of everything above, for when you only need the answer. Each one is told in full in its part of the guide.
Is Zoho Invoice free?
Yes. Zoho Invoice is free to use.
How much does Zoho Invoice cost?
Zoho Invoice lists one plan. Free: $0.
What platforms does Zoho Invoice work on?
Zoho Invoice is available on Web, iOS, Android, Windows and macOS.
How is Zoho Invoice rated?
Zoho Invoice's iPhone and iPad app averages 4.9 out of 5 from 14,879 ratings on the App Store in the United States, as read on Oct 17, 2026.
Does Zoho Invoice have a Linux app?
No Linux app was listed when its pages were read on Oct 17, 2026. Zoho Invoice is listed for Web, iOS, Android, Windows and macOS.
Is Zoho Invoice open source?
Zoho Invoice is not described as open source on its own site, as read on Oct 17, 2026.
What does Zoho Invoice integrate with?
Zoho Invoice's listing names Zoho Payments, PayPal, Stripe, Authorize.net, Zoho CRM, HubSpot, Slack and QuickBooks.
Who makes Zoho Invoice?
Zoho Invoice is made by Zoho.
What are the alternatives to Zoho Invoice?
The closest alternatives to Zoho Invoice in our directory are Zoho Books, Wave, FreshBooks, Square Invoices and ZipBooks.
How does Zoho Invoice compare with other accounting and invoicing tools?
Zoho Invoice's GPA of 3.6 is higher than 17 of the 17 other accounting and invoicing tools we grade.
Is Zoho Invoice good value for money?
ToolGPA grades Zoho Invoice A for value for money. Zoho Invoice has no paid plan.
Could I make my own version of Zoho Invoice?
Zoho Invoice is free, so making your own would save you nothing. And it is not the kind of software a weekend replaces.
Where this guide comes from
The prices, plans, platforms and features were read from Zoho Invoice’s own pages on Oct 17, 2026, and the grades were given on Oct 17, 2026. Graded from this listing, whose facts were read from Zoho's own pages on 17 October 2026, and its App Store rating. Not based on using the product, and shorter than our full reviews.
Every tool we list gets five grades, A to F, each with its reason, and a GPA that averages them. How each is decided is at toolgpa.com/grades. This guide is ToolGPA’s own work; it is not made, paid for or approved by Zoho. Prices change, so check zoho.com before you buy.
Part 07 · About
About ToolGPA
Who made this guide, what else is on the site, and how to cite it
1,880
Tools graded, in 47 categories
ToolGPA grades software the way a school report grades a pupil: five subjects, a letter for each with the reason written beside it, and a GPA that averages them. Prices, plans and platforms are read from each maker’s own pages and dated, so you always know how fresh a figure is.
ToolGPA is free to read. It may earn a commission from affiliate links and it works with sponsors, but anything paid for is labelled and no one can pay for a grade. Every tool on the site has a guide like this one, free to download and pass on. It all lives at toolgpa.com.
1,880
tools graded
47
categories
426
price changes on record
579
apps priced in 12 countries
What else is on toolgpa.com
- Zoho Invoice, kept up to dateEverything in this guide, with prices and grades as they are todaytoolgpa.com/tools/zoho-invoice
- How grades are givenThe rules behind every letter and every GPAtoolgpa.com/grades
- Value chartsWhat each tool costs against what it scores, for every categorytoolgpa.com/charts
- CompareAny two tools side by side, plan by plantoolgpa.com/compare
- Price changesEvery price rise and cut on record, each with its sourcetoolgpa.com/price-changes
- Prices by countryWhat apps cost on the App Store in 12 countriestoolgpa.com/prices-by-country
- Pay lessEvery public discount: yearly billing, students, nonprofitstoolgpa.com/save
- Keep or makeWhich tools are worth paying for, and which you could build yourselftoolgpa.com/keep-or-make
Scan for the live page
Prices and grades as they are today
Quoting this guide?
Please name ToolGPA and link to the live page, so readers can check the figures for themselves:
ToolGPA, "Zoho Invoice: The Insider's Guide", checked Oct 17, 2026. https://toolgpa.com/tools/zoho-invoice
Know someone choosing between accounting and invoicing tools?
Send them this guide: toolgpa.com/tools/zoho-invoice/guide
ToolGPA elsewhere: youtube.com/@toolgpa
See our other guides
The best-graded accounting and invoicing tools after Zoho Invoice, each with an Insider's Guide of its own.
- Accounting & Invoicing Insider's GuideEvery one of the 18 accounting and invoicing tools we grade, compared
- Zoho Books Insider's GuideOnline accounting from Zoho, with a free plan and six paid tiers3.4 GPA
- Odoo Insider's GuideBusiness app suite whose Accounting app is free when used on its own3.2 GPA
- Found Insider's GuideBusiness bank account with bookkeeping and tax tools built in2.8 GPA
Choosing software? Every tool graded, every price dated.
Compare tools at toolgpa.com ›Everything in this guide is ToolGPA’s own summary of what Zoho Invoice’s pages, its app-store listings and public reviews said on the dates shown. Grades are our judgement under the rules at toolgpa.com/grades. ToolGPA uses affiliate links and may earn a commission from them, and it works with sponsors; anything paid for is labelled, and no one can pay for a grade. Zoho Invoice is a trademark of its owner, and this guide is not made, paid for or approved by Zoho. Prices and plans change: check zoho.com before you buy.