Cosmobill vs.
Invoice Ninja

A straight, feature-by-feature look at how the two compare - pricing, invoicing, payments, and everything in between. Every Cosmobill claim here is enforced in the product; every Invoice Ninja data point is sourced from invoiceninja.com's own pricing/feature pages.

Free plan
Cosmobill Comet
5 invoices/mo, unlimited saved clients, estimates/time/expenses/attachments/multi-business all included
Free plan
Invoice Ninja Free
Unlimited invoices, 5 saved clients, gateway payments, no branding removal, no attachments, single business

Both are genuinely usable for free with no card required - they just cap different things. Invoice Ninja caps clients and gives unlimited invoices; Cosmobill caps invoices and gives unlimited clients. See the full table below for everything else.

Pricing & limits

FeatureCosmobillInvoice Ninja
Free plan
Invoices per month on free plan
Invoice Ninja's free plan has no invoice cap - the limit instead falls on saved clients (see below). Cosmobill's free plan caps invoices at 5/mo with unlimited saved clients - the inverse shape.
5
Unlimited
Saved clients on free plan
Invoice Ninja caps the free plan at 5 clients - a 6th requires upgrading even if you're nowhere near an invoice-volume limit (there isn't one).
Unlimited
5
Cheapest paid plan
$5/mo (Planet)
$14/mo (Ninja Pro)
Unlimited invoices AND unlimited clients on one plan
Cosmobill removes its only free-plan cap (5 invoices/mo) for less than half what Invoice Ninja charges to remove its only free-plan cap (5 clients).
Planet ($5/mo)
Ninja Pro ($14/mo)+
Credit card required for free plan

Invoicing core

FeatureCosmobillInvoice Ninja
Shareable invoice link (no PDF attachment needed)
Customer self-fills their own billing details
On Invoice Ninja, the seller enters the client's info themselves. Cosmobill's customer opens the link and fills in their own name/address/tax ID - you never mistype an EIN.
Live full-size invoice preview while editing
Itemized line items (qty × rate)
Invoice template choices
Invoice Ninja ships more visual template variety, gated by tier. Cosmobill deliberately ships one polished design rather than a template gallery to keep the product simple.
1 design, all plans
4 free · 11 on Pro+
Estimates / quotes
Free, all plans
Free, all plans
Convert estimate to invoice in one click
Recurring / repeating invoices
Invoice Ninja includes recurring billing on its free plan; Cosmobill reserves it for its top Galaxy tier.
Galaxy ($10/mo)
Free, all plans
Duplicate / saved line-item templates
Free, all plans
Product/service library, free plan
Client picker pre-fills a returning customer
Per-client invoice history & lifetime total billed
Custom invoice numbering sequences
Invoice Ninja lets you define your own numbering pattern with date variables. Cosmobill assigns sequential numbers automatically with no custom-format option.

Getting paid

FeatureCosmobillInvoice Ninja
PayPal payments
Card payments
Invoice Ninja's free plan can connect a payment gateway with no upgrade required. Cosmobill's free Comet tier is PayPal/card only at checkout - card processing beyond PayPal needs Planet.
Planet ($5/mo)+
Free, all plans (via Stripe/Square/etc.)
Payments route straight to your own account
Cosmobill never touches customer funds - it only uses PayPal's `payee.email_address` to route directly. Invoice Ninja works the same way once you connect your own gateway account.
Manual bank transfer (self-report + seller confirms)
Deposits / partial payments
Free, all plans
Free, all plans
Multi-currency per invoice
Free, all plans
Free, all plans
Late fees (percent or flat)
Free, all plans
Free, all plans
Early-payment discounts
Free, all plans
Automatic overdue-payment reminders
Planet ($5/mo)+
Ninja Pro ($14/mo)+
Transaction fee Cosmobill/Invoice Ninja takes
0% (only PayPal's own fee applies)
0% (only gateway's own fee applies)

Time, expenses & files

FeatureCosmobillInvoice Ninja
Time tracking (log or start/stop timer)
Free, all plans
Free, all plans
Roll tracked time into an invoice
Kanban project boards
Invoice Ninja bundles lightweight project management (Kanban boards, task assignment) alongside its time tracking. Cosmobill's time tracking stays scoped to invoices, not full project management.
Free, all plans
Expense tracking, optionally billable to an invoice
Free, all plans
Free, all plans
Vendor & purchase order management
Invoice Ninja tracks vendors and purchase orders as first-class objects; Cosmobill keeps expense tracking simple with no separate vendor/PO layer.
Free, all plans
File attachments on an invoice
Invoice Ninja gates portal-visible file/document attachments to its Enterprise tier and up. Cosmobill ships this on every plan, including free.
Free, all plans
Enterprise ($18/mo)+
Invoice discussions / comment thread
Invoice Ninja's client portal shows invoice/payment history but has no back-and-forth comment thread on an invoice the way Cosmobill's discussion feature does.
Free, all plans

Reporting & organization

FeatureCosmobillInvoice Ninja
Dashboard revenue chart (this month vs. last)
Free, all plans
Free, all plans
Income vs. expenses chart
Free, all plans
Free, all plans (P&L report)
Accounts-receivable aging breakdown
Free, all plans
Filterable, searchable invoice table
Per-invoice internal activity log
Free, all plans
CSV export
Invoice Ninja includes CSV export of invoices, expenses, and reports on its free plan; Cosmobill reserves this for Planet+.
Planet ($5/mo)+
Free, all plans
Bank account sync (auto-import transactions)
Enterprise ($18/mo)+

Team, branding & businesses

FeatureCosmobillInvoice Ninja
Team members
Invoice Ninja's Enterprise tier scales seat count much higher, but per-seat pricing climbs fast at volume (e.g. $300/mo for 51-100 users). Cosmobill bundles 5 seats into a flat $10/mo with no per-seat math.
Up to 5 (Galaxy, $10/mo)
Up to 100 (Enterprise, from $18/mo)
Read-only ("Viewer") role at no extra cost
Invoice Ninja gates user permissions/roles to Enterprise; Cosmobill bundles this with team seats on Galaxy at no separate charge.
Multiple business identities on one account
Per Invoice Ninja's own developers, multiple companies require a paid account (up to 10 sub-companies). Running more than one business under one login is a baseline free-tier Cosmobill feature.
Free, all plans
Paid plans only (up to 10 sub-companies)
Custom logo image upload
Invoice Ninja lets even free-plan sellers upload a logo; Cosmobill reserves logo upload for Planet+ (Comet sellers pick from built-in emoji marks).
Planet ($5/mo)+
Free, all plans
Custom brand color
Planet ($5/mo)+
Free, all plans
Remove the provider's own branding from invoices
Both gate branding removal behind a paid tier - Cosmobill's is included at its top $10/mo plan; Invoice Ninja's is available from its cheaper $14/mo Pro plan but its self-hosted version needs a separate $40/yr white-label license on top of hosting it yourself.
Galaxy ($10/mo)
Ninja Pro ($14/mo)+

A note on this comparison

Invoice Ninja details above come from invoiceninja.com's public pricing and feature pages (plus its own team's public comments on client-count limits and multi-company support) as of when this page was written - pricing pages change, so if something here looks off, treat invoiceninja.com as the source of truth for their current plans. Invoice Ninja is a genuinely feature-dense, actively-developed product with real strengths Cosmobill doesn't try to match - project Kanban boards, vendor/purchase-order management, bank-account sync, and a much larger template library among them. Where Cosmobill differs is in what ships free and un-gated: file attachments, invoice discussions, an AR-aging breakdown, and multiple business identities are all baseline on every Cosmobill plan, where Invoice Ninja reserves several of those for its Pro or Enterprise tiers. Every Cosmobill row marked available on a plan is a feature that actually ships in the product today, not a roadmap item.

See the difference yourself.

Free forever for casual use, no card required. Upgrade any time you need more.

Launch Cosmobill