Top 20 Alternatives to Zoho Invoice in Accounting Software for Self‑Employed

Zoho Invoice is a cloud‑based invoicing solution that helps freelancers and small businesses create professional invoices, track time, accept online payments, and automate reminders. Below are 20 comparable accounting and invoicing tools tailored for self‑employed professionals.

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Top Competitors to Consider

All‑in‑one invoicing, expense tracking, and time‑sheeting platform designed for freelancers and small service‑based businesses.

Tax‑focused accounting software that simplifies invoicing, mileage tracking, and quarterly tax estimates for independent contractors.

Free, cloud‑based accounting suite offering invoicing, receipt scanning, and basic payroll for sole proprietors.

#5 Xero

Robust online accounting with professional invoicing, bank reconciliation, and multi‑currency support for freelancers.

#6 Kashoo

Simple cloud accounting with automated invoicing, expense tracking, and real‑time financial reporting.

Feature‑rich invoicing and payment platform offering unlimited invoices, proposals, and time tracking on a free plan.

Free online invoicing tool with customizable templates, recurring billing, and basic expense management.

Simple accounting software with automated data entry, online invoicing, and tax‑ready reports for solo entrepreneurs.

Comprehensive accounting suite from Zoho that expands on invoicing with inventory, project management, and bank feeds.

Integrated invoicing solution that ties directly to Square’s payment processing, ideal for service‑based freelancers.

Free invoicing tool that lets freelancers create and send invoices, with payments collected instantly via PayPal.

#13 Harvest

Time‑tracking and invoicing platform that converts billable hours into professional invoices and integrates with many project tools.

#14 Bonsai

All‑in‑one freelance suite offering proposals, contracts, time tracking, and automated invoicing with payment reminders.

#15 AND CO

Freelancer‑focused app for tracking time, expenses, and creating invoices, with built‑in tax estimation.

#16 FreeAgent

UK‑based accounting software that simplifies invoicing, expense management, and tax filing for self‑employed professionals.

Designed for gig‑workers and online sellers, offering invoicing, mileage tracking, and automatic tax calculations.

Zoho’s dedicated invoicing solution with customizable templates, recurring billing, and multi‑currency support.

#19 Bill.com

Cloud‑based platform that automates invoicing, bill payment, and cash‑flow management for solo entrepreneurs.

Scalable accounting software offering invoicing, cash flow tracking, and client portal for freelancers.

Full‑featured accounting suite that includes invoicing, expense tracking, and bank reconciliation for self‑employed users.