Zoho Invoice
Free
Free to use$0.00
Per year
$0
Free to start
Zoho Invoice vs Wave
Compare with for .
Zoho Invoice
71%
match · $0/yr
Wave
52%
match · $228/yr
What matters most?
Fine-tune
What you'd pay
Entry plan for 10 people, billed yearly where offered. Prices checked Oct 2026.
Smaller bill
Wave
Pro
Flat price, whole team$19.00
× 12 months$228.00
Per year
$1.90 per person / mo
$228
Zoho Invoice
From FreeFree plan
Freelancers and small businesses that send up to about 40 invoices a month and want reminders, a client portal and recurring billing without a subscription.
vs
Wave
From $19Free plan
G2 4.3 · 327 reviewsSole proprietors and very small businesses that want free unlimited invoicing plus simple bookkeeping.
Side by side
| Zoho Invoice | Wave | |
|---|---|---|
| Pricing | Free (500 invoices/year, 2 users) | Free; Pro $19/month or $190/year |
| G2 Rating | Not yet verified | 4.3 (327 reviews) |
| Best For | Freelancers and small businesses that send up to about 40 invoices a month and want reminders, a client portal and recurring billing without a subscription. | Sole proprietors and very small businesses that want free unlimited invoicing plus simple bookkeeping. |
Pros and cons
Zoho Invoice
Pros
- No subscription at all
- Reminders, client portal and recurring billing are free
- Low ACH cost through Zoho Payments
- Grows into Zoho Books or Zoho Billing later
Cons
- Base currency only
- 500 invoices a year and 2 users
- Zoho branding on invoices
- ACH through Zoho Payments must be requested
Wave
Pros
- Unlimited invoices and clients for $0
- Pro is cheap at $190/year
- Bookkeeping included
- Card fixed fee waived on the first 10 Pro transactions each month
Cons
- Higher $0.60 fixed card fee than Stripe-based tools
- ACH costs 1% with no cap
- No time tracking or client portal
- Automated reminders tied to Pro or online payments
Emily Rodriguez