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Feature checklists make every tool look equivalent. This table leads with the three things that actually differ — what it costs you before it works, whether your files leave your device, and where the free version stops.
| Invoice Ninjainvoiceninja.com | Wavewaveapps.com | Zoho Invoicezoho.com | Expensifyexpensify.com | |
|---|---|---|---|---|
| What it does | Open-source quotes and invoices you can host on your own server | Invoices plus real double-entry bookkeeping for a small business, free | Free invoicing with estimates, reminders and a client portal attached | Photograph a receipt and it reads the amount, date and merchant off it |
| What it costs you | Free tierA genuinely usable free tier with paid plans for volume or team features. | Free tierA genuinely usable free tier with paid plans for volume or team features. | Free accountFree to use, but you have to register before it will do the job. | Free tierA genuinely usable free tier with paid plans for volume or team features. |
| Your files | Runs on their server | Runs on their server | Runs on their server | Runs on their server |
| Where it stops | The free hosted plan stops at five clients — beyond that you pay or run it yourself. | Receipt scanning and bank imports are a paid add-on, and card payments cost 2.9% plus 60 cents each. | Invoicing only — expense claims, bank feeds and bookkeeping push you onto the paid Zoho Books. | Free individual accounts are limited to 25 automatic receipt scans a month. |
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| Category | Money, Invoices & Business | Money, Invoices & Business | Money, Invoices & Business | Money, Invoices & Business |
| Last checked | 2026-07-29 | 2026-07-29 | 2026-07-29 | 2026-07-29 |
| Open the site | Open | Open | Open | Open |
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