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Head-to-head · Contractor Invoicing Software

Zoho Invoice vs Invoice Ninja

  • Updated Oct 2026
  • Both researched from official sources
  • 5 checks side by side
Higher score Zoho Invoice #1 in Contractor Invoicing Software 9.4/10 Free plan Free plan✓ 1 of 4 features Visit Zoho Invoice
Invoice Ninja #2 in Contractor Invoicing Software 9.2/10 Free plan Free plan✓ 4 of 4 features Visit Invoice Ninja

Zoho Invoice leads on 0 checks, Invoice Ninja on 0, and 5 are even. Who comes out ahead on the 5 yes/no, price and count checks where we have data for both products. The editor score weighs everything else too.

Our verdict

  • Highest scoreZoho Invoice · 9.4/10
  • Free planboth
  • Most featuresInvoice Ninja · 4 of 4

Zoho Invoice scores higher on our rubric for contractor invoicing software: 9.4 against 9.2 out of 10; our editors rank them #1 and #2.

Zoho Invoice is the better fit for contractors wanting broad free invoicing. Invoice Ninja is the better fit for flexible teams needing broad platform coverage.

  • Zoho Invoice fits best

    Contractors wanting broad free invoicing

  • Invoice Ninja fits best

    Flexible teams needing broad platform coverage

Advertiser disclosure: iTechGuides is reader-supported. Vendors can pay for top positions in our rankings and for a place on other products' pages, and we may earn a commission when you click some links. Bought places stand at the number bought; this page and our disclosure say so. Paying vendors may get a fuller, more detailed review from our editors, and that review can change their score. How we rank.

Side by side

Feature Zoho Invoice 9.4/10 Visit ↗ Invoice Ninja 9.2/10 Visit ↗
At a glance
Editor score 9.4 9.2
Ranking #1 in Contractor Invoicing Software #2 in Contractor Invoicing Software
Best for Contractors wanting broad free invoicing Flexible teams needing broad platform coverage
Pricing model Free Free plan + paid
Starting price Free —
Free plan ✓ ✓
Free trial — —
Deployment Cloud, Mobile Cloud, Self-hosted, Desktop, Mobile
Platforms Web, iOS, Android Web, Windows, macOS, Linux, iOS, Android
Support Email, Live chat, Phone, Community, Docs Community, Docs
Compliance GDPR, SOC 2 SOC 2, GDPR, PCI DSS, 2FA
Integrations 6 integrations 6 integrations
Built for Solo, Small business Solo, Small business, Mid-market, Enterprise
Features Zoho Invoice 1/4 · Invoice Ninja 4/4
Estimates Not checked yet ✓ (best)
Online payments Not checked yet ✓ (best)
Recurring invoices ✓ ✓
Payment requests Not checked yet ✓ (best)
Specs
Mobile apps Not checked yet Both
Invoice limit Not checked yet Not checked yet
Our review
Pros
  • Free plan includes payment reminders, recurring invoices, and a customer portal
  • Tracks expenses, projects, timesheets, receivables, and customer balances
  • Supports web, desktop, mobile, API access, and broad integrations
  • Free plan includes unlimited invoicing, recurring invoices, and online payments
  • Covers invoicing, payments, time, projects, expenses, portals, and reports
  • Available across web, desktop, mobile, API, and self-hosted deployments
Cons
  • Free plan is limited to two users
  • Free plan supports up to three projects
  • Free plan is limited to 500 invoices per year
  • The Free plan supports only 5 clients
  • API integration and reports require Ninja Pro
  • User permissions and PEPPOL are limited to Enterprise tiers
Our verdict

Zoho Invoice is cloud-based invoicing software for contractors, freelancers, consultants, agencies, and other small businesses. It covers the core billing workflow: create and customize invoices, send them by email, link, or PDF, accept…

Read the review →

Invoice Ninja is invoicing and payment software for freelancers, contractors, tradespeople, agencies, and small-to-medium businesses. It creates and sends invoices and quotes, supports online payments through connected gateways, and…

Read the review →
  1. Zoho InvoiceContractor Invoicing Software 9.4Free plan
  2. Invoice NinjaContractor Invoicing Software 9.2Free plan

Strengths and trade-offs

  • Zoho Invoice — where it wins

    • Free plan includes payment reminders, recurring invoices, and a customer portal
    • Tracks expenses, projects, timesheets, receivables, and customer balances
    • Supports web, desktop, mobile, API access, and broad integrations

    Where it doesn't

    • Free plan is limited to two users
    • Free plan supports up to three projects
    • Free plan is limited to 500 invoices per year

  • Invoice Ninja — where it wins

    • Free plan includes unlimited invoicing, recurring invoices, and online payments
    • Covers invoicing, payments, time, projects, expenses, portals, and reports
    • Available across web, desktop, mobile, API, and self-hosted deployments

    Where it doesn't

    • The Free plan supports only 5 clients
    • API integration and reports require Ninja Pro
    • User permissions and PEPPOL are limited to Enterprise tiers

More comparisons

All contractor invoicing software comparisons → · Full ranking →

Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026

Last updated · How we research and update