What it is
Zoho Invoice is invoicing software with a free plan for small businesses, consultants, agencies, contractors, freelancers, entrepreneurs, and startups. The plan supports up to two users, three projects, and 500 invoices per year, and includes recurring invoices, online invoicing, payment reminders, expense and time tracking, invoice tracking, and a customer portal. Clients can use the portal to view and pay invoices, respond to quotes, and leave reviews. Invoices can be sent as PDFs by email, WhatsApp, or iMessage. Payments can use UPI, credit or debit cards, net banking, and bank payments. Users can make GST-compliant invoices and file GSTR-1 through an API. Reports cover products, receivables aging, customers, taxes, sales, and expenses; integrations include Zoho CRM, Analytics, Books, and more. The free plan includes Powered by Zoho Invoice branding. Zoho says data is deleted after over 180 days of inactivity, within the following 20 days, with prior notification. It is available on Android, iOS, Windows, and Mac.
Who it suits. Zoho Invoice suits small businesses, contractors, consultants, freelancers, and other listed customers needing invoicing and client payment tools. Its free plan has limits of two users, three projects, and 500 invoices per year.
Good
- Recurring invoices and automated payment reminders
- Customer portal for invoices, quotes, and reviews
- PDF invoice delivery by email, WhatsApp, or iMessage
- Reports for receivables, taxes, sales, and expenses
Watch for
- Free plan caps annual invoices at 500
- Free plan includes Powered by Zoho Invoice branding
- Inactive data is deleted after over 180 days, with notice
Verdict
Zoho Invoice pairs recurring billing and payment reminders with a client portal and business reports. Its free tier has clear user, project, and invoice limits to account for.
Plans and prices
| Plan | Price | Billed |
|---|---|---|
| Free | $0 | Free forever; Free for all Indian businesses, forever; up to two users, three projects, and 500 invoices per year. |
From Zoho Invoice's own pricing page, checked 27 Sept 2026. Every plan
What the maker publishes
- Payment reminders
- Users can set up automated payment reminders. source
- Business reports
- Reports cover products, receivables aging, customers, taxes, sales, and expenses. source
- Customer portal
- A self-service customer portal lets clients view and pay invoices, respond to quotes, and leave reviews. source
- Data retention
- Data is deleted after over 180 days of inactivity, within the following 20 days, with prior notification. source
- Founded
- 1996 source
- Free plan
- Yes source
- Free tier invoices
- The free plan allows up to 500 invoices per year. source
- Free tier projects
- The free plan allows a maximum of three projects. source
- Free tier users
- The free plan allows up to two users. source
- GST invoicing
- Users can create GST-compliant invoices and file GSTR-1 through an API. source
- Headquarters
- Chennai, India source
- Business integrations
- Integrations include Zoho CRM, Analytics, Books, and more. source
- Invoice branding
- The free plan includes Powered by Zoho Invoice branding. source
- Invoice delivery
- Invoices can be emailed or sent through WhatsApp or iMessage as PDFs. source
- Payment methods
- Payments can use UPI, credit or debit cards, net banking, and bank payments. source
- Pricing model
- Zoho Invoice is free for Indian businesses forever. source
- Recurring invoices
- Yes source
- Recurring invoices
- Users can generate recurring invoices. source
Review
Overview
Zoho Invoice is a free invoicing product from Zoho, a company founded in 1996 and headquartered in Chennai, India. Its free plan combines online invoicing with recurring invoices, payment reminders, expense and time tracking, and a customer portal. For contractors, it can cover recurring billing and invoice follow-up alongside customer access to quotes and payments.
The plan has firm limits: up to two users, three projects, and 500 invoices per year. It also includes Powered by Zoho Invoice branding. Inactive account data is deleted after more than 180 days of inactivity, within the following 20 days, and users are notified beforehand. Zoho says it does not show ads or sell user information.
For a broader look at options in this category, see our guide to Contractor invoicing software.
Key features
Invoices and getting paid
Users can create standard and recurring invoices, track invoices, and review overdue balances. Invoices can be emailed or sent as PDFs through WhatsApp or iMessage. Customers can pay through UPI, credit or debit cards, net banking, and bank payments. Automated payment reminders help prompt customers when an invoice needs attention.
Customer portal and quotes
The self-service customer portal lets clients view and pay invoices, respond to quotes, and leave reviews. That gives customers a place to handle several billing interactions without relying only on email exchanges.
GST, expenses, and reporting
Zoho Invoice supports GST-compliant invoices, and users can file GSTR-1 through an API. Business reports cover products, receivables aging, customers, taxes, sales, and expenses. The plan also includes expense and time tracking.
Connected Zoho products
Integrations include Zoho CRM, Analytics, Books, and other business tools. Free email support is available 24/5.
Pricing
Zoho Invoice is free: 0.00 USD per free, billed Free forever. The offer is described as free for all Indian businesses, forever. The plan allows up to two users, three projects, and 500 invoices per year, and includes online invoicing, payment reminders, recurring invoices, a customer portal, and expense and time tracking. Powered by Zoho Invoice branding is included.
Platforms
Zoho Invoice is available on Android, iOS, Windows, and Mac. Invoices can be delivered as PDF files by email, WhatsApp, or iMessage.
Who it's for
Zoho Invoice is aimed at small businesses, consultants, agencies, contractors, freelancers, entrepreneurs, and startups. For a small contracting operation, two user accounts and three projects may suit a limited workload, while the annual cap of 500 invoices sets a clear ceiling as billing volume grows. The customer portal, recurring invoices, and payment reminders are relevant to firms that need to manage ongoing charges and client follow-up.
It may be less suitable where a business needs more than two users or three active projects under the free plan, or wants invoices without product branding. Contractors should also account for the inactivity-based deletion policy when considering how long to leave an account unused.
Pros and cons
- Pros: The plan is free and includes recurring invoices, online payments, payment reminders, tracking, expense and time tracking, and a customer portal.
- Pros: Customers can pay through several listed methods, including UPI, cards, net banking, and bank payments.
- Pros: GST-compliant invoicing and GSTR-1 filing through an API are available.
- Cons: The free plan is limited to two users, three projects, and 500 invoices per year.
- Cons: Invoices carry Powered by Zoho Invoice branding.
- Cons: Data is deleted after extended inactivity, with deletion occurring within 20 days after the more-than-180-day inactivity threshold and prior notification.
Alternatives
Other products to consider include Contractor+, Traddie, Invoice Ninja, Billdu, Bookipi, Joist, Invoicely, and Invoice2go.
Verdict
Zoho Invoice offers a broad set of invoicing and payment tools at no charge, with a customer portal, recurring billing, reminders, expense and time tracking, and GST support. Its limits are straightforward: two users, three projects, 500 invoices per year, and Zoho branding. Contractors with a small billing workload may find that scope adequate; those who need more capacity or want to avoid branded invoices should weigh the restrictions before choosing it.