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Our take
Invoice Ninja is the value pick: a genuinely useful free plan (5 clients, unlimited invoices), the widest payment-gateway coverage in its class, and a $40/yr self-hosted option for the technically inclined. Reporting is thin, but at these prices that’s a fair trade.
Pricing and plan limits checked against Invoice Ninja’s official pricing page on September 25, 2026. How we research
How we scored Invoice Ninja
Editorial scores from our published rubric — our judgment, not user ratings. Each category is scored 1–10, then combined by weight into the total below.
| Category | Weight | Score / 10 | Why |
|---|---|---|---|
| Pricing & value | 25% | 9 | Free 5-client plan; Pro from $14/mo. |
| Invoicing quality | 25% | 8 | 11 templates, e-signatures, buy-now buttons. |
| Payments | 15% | 8 | 40+ gateways — widest coverage here. |
| Freelancer workflow | 20% | 7 | Time tracking plus Kanban; thin reporting. |
| Support & reliability | 10% | 6 | Responsive but no phone support. |
| Transparency | 5% | 9 | Source-available; prices published openly. |
| Weighted total | 100% | 7.9 / 10 | |
Invoice Ninja pricing
5 clients, unlimited invoices
1 user; or $140/yr
Scales by user count, up to $300/mo for 51–100 users
White-label, source-available, host it yourself
- Free plan: Free plan: up to 5 clients with unlimited invoices; no credit card required.
- Trial: 30-day money-back guarantee on paid plans
- Annual billing on hosted plans equals 2 months free.
- Official 2026 prices shown here — some review sites still display older pre-2026 prices.
Key features
- Invoicing with 11 templates on paid plans, custom designs, e-signatures, and “buy now” buttons
- Time tracking with projects, tasks, and Kanban boards
- Expense management with vendors and recurring expenses
- 40+ payment gateways: Stripe, PayPal, Square, GoCardless, Apple Pay, Alipay, Coinbase
- Per-line tax rates and dynamic tax reports on paid plans
- Password-protected client portal
- Native apps for macOS, Windows, Linux, iOS, and Android
- Multi-currency and 24+ languages
Pros and cons
Invoice Ninja: pros
- Generous free plan: 5 clients, unlimited invoices, recurring billing
- Attractive, customizable invoice templates
- The widest payment-gateway coverage in its class
- Self-hosted, source-available option for $40/yr
- Strong apps and responsive support
Invoice Ninja: cons
- Free plan capped at 5 clients and 1 user
- Thin reporting — no reports at all on the free plan
- No real expense management depth
- Most integrations depend on Zapier; no phone support
Who is Invoice Ninja best for?
Freelancers with a handful of clients who want the cheapest credible invoicing tool with maximum payment-gateway flexibility — or technically inclined freelancers who want to self-host for $40/yr.
Affiliate note: Referral program pays 50% commission on every referral payment, recurring for 3 full years with no cap; free to join.
Invoice Ninja FAQs
How much does Invoice Ninja cost?
Free for up to 5 clients with unlimited invoices. Ninja Pro is $14/mo (or $140/yr) for 1 user; Enterprise starts at $18/mo. A self-hosted white-label license is $40/yr.
Can I self-host Invoice Ninja?
Yes — it’s source-available with a $40/yr white-label self-hosted license, a unique option at this price point.
How many payment gateways does Invoice Ninja support?
Over 40, including Stripe, PayPal, Square, GoCardless, Apple Pay, Alipay, and Coinbase — the widest coverage of any tool here.
What are the downsides?
The free plan is capped at 5 clients and 1 user, reporting is thin (no reports on the free plan), and most integrations depend on Zapier.
Sources
Pricing and plan details verified against the sources above on September 25, 2026. Vendors change pricing often — confirm on the official page before buying.