Cosmobill vs.
Zoho Invoice

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 Zoho Invoice data point is sourced from zoho.com's own pricing/feature pages.

Start invoicing free See all Cosmobill features

Free plan

Cosmobill Comet

5 invoices/mo, unlimited saved clients, estimates/time/expenses/attachments/multi-business all included - free forever

Only plan

Zoho Invoice Free

500 invoices/yr, 1,000 customers, 2 users, recurring invoices and multi-currency included - there's no paid tier to upgrade to

Zoho Invoice is a genuinely capable free-forever product - but it's the only plan that exists. Outgrow its 500-invoice/year or 2-user caps and the only path is switching entirely to a different product, Zoho Books. See the full table below for everything else.

Pricing & limits

Feature	Cosmobill	Zoho Invoice
Free plan Zoho Invoice has no paid tier at all within the product - it's a single free-forever plan. Its own upsell path for businesses that outgrow it is a different product, Zoho Books, not a Zoho Invoice upgrade.
Invoices per year on free plan Zoho's own limit is 500 invoices/year (about 42/mo on average), refreshed annually. Cosmobill's free Comet plan caps at 5/mo (60/yr) but never expires and has no other usage ceiling.	60 (5/mo)	500
Saved customers on free plan Zoho's free plan caps you at 1,000 customer records total - Cosmobill has no cap on saved clients on any plan.	Unlimited	1,000
Users on free plan Zoho Invoice's own limit is 2 users on its only plan - a 3rd requires migrating to Zoho Books, a separate paid product with its own subscription. Cosmobill adds up to 5 team seats for $10/mo without changing products.	1 (Comet) · up to 5 on Galaxy	2
Cheapest paid plan There's no way to pay Zoho to remove Zoho Invoice's own limits - once you exceed 500 invoices/year, 1,000 customers, or 2 users, the only path is switching products entirely to Zoho Books.	$5/mo (Planet)	None - Zoho Invoice has no paid tier
Credit card required to start	–	–

Invoicing core

Feature	Cosmobill	Zoho Invoice
Shareable invoice link (client portal)
Customer self-fills their own billing details On Zoho Invoice, the seller enters the client's info themselves when creating them as a contact. Cosmobill's customer opens the invoice link and fills in their own name/address/tax ID - you never mistype an EIN.		–
Live full-size invoice preview while editing Zoho Invoice doesn't show a real-time, full-size preview of the finished invoice while you're editing line items - Cosmobill does.		–
Itemized line items (qty × rate)
Invoice template choices Zoho Invoice ships a large template gallery at no cost. Cosmobill deliberately ships one polished design rather than a template gallery to keep the product simple.	1 design, all plans	100+ templates, free
Estimates / quotes	Free, all plans	Free, all plans
Multi-section estimates (grouped line items) Neither product supports breaking an estimate into multiple named sections - Zoho Invoice's own estimates are a single flat line-item list, the same as Cosmobill's.	–	–
Convert estimate to invoice in one click
Recurring / repeating invoices Zoho Invoice includes automated recurring invoices at no cost on its one plan; Cosmobill reserves this for its top Galaxy tier.	Galaxy ($10/mo)	Free, all plans
Multi-currency per invoice	Free, all plans	Free, all plans
Multilingual invoices (send in the client's language) Zoho Invoice can generate an invoice PDF in the recipient's language from a built-in library; Cosmobill has no per-invoice language switch.	–	Free, all plans
E-signatures on estimates Zoho Invoice's e-signature capture isn't built in - it hands off to a separate Zoho Sign app/account. Cosmobill has no e-signature feature on any plan.	–	Requires separate Zoho Sign account

Getting paid

Feature	Cosmobill	Zoho Invoice
PayPal payments Zoho Invoice connects to PayPal (and Stripe, and others) as a payment gateway you set up yourself - Cosmobill has PayPal built in from the start.		yes, via integration
Card payments Zoho Invoice itself charges nothing extra for card payments - you connect your own Stripe/PayPal/etc. account and pay only that gateway's processing fee. Cosmobill's free Comet tier is PayPal/card only at checkout - card processing beyond PayPal needs Planet.	Planet ($5/mo)+	Free, all plans (via connected gateway)
Payments route straight to your own account		yes, via your connected gateway
Manual bank transfer (self-report + seller confirms)		yes, recorded manually
Deposits / partial payments	Free, all plans	Free, all plans
Automatic overdue-payment reminders Zoho Invoice automates late-payment reminders on its one plan; Cosmobill reserves this for Planet+.	Planet ($5/mo)+	Free, all plans
Early-payment discounts Zoho Invoice supports late fees but has no scheduled "pay within N days for X% off" incentive the way Cosmobill does.	Free, all plans	–
Late fees (percent or flat)	Free, all plans	Free, all plans
Transaction fee Cosmobill/Zoho takes on top of the processor	0% (only PayPal's own fee applies)	0% (only your connected gateway's own fee applies)

Time, expenses & files

Feature	Cosmobill	Zoho Invoice
Time tracking (log or start/stop timer)	Free, all plans	Free, all plans
Roll tracked time into an invoice
Expense tracking, optionally billable to an invoice	Free, all plans	Free, all plans
File attachments on an invoice	Free, all plans	Free, all plans
Invoice discussions / comment thread Zoho Invoice'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

Feature	Cosmobill	Zoho Invoice
Dashboard revenue chart (this month vs. last)	Free, all plans	Free, all plans
Business-health / income-vs-expense reports	Free, all plans	Free, all plans
Filterable, searchable invoice table
CSV / Excel export of invoices & reports Zoho Invoice includes CSV/Excel export of invoices, customers, and reports on its one free plan; Cosmobill reserves this for Planet+.	Planet ($5/mo)+	Free, all plans
Bank account sync (auto-import transactions) Zoho Invoice doesn't sync a bank feed - that's a Zoho Books feature. Neither product does this within the invoicing product itself.	–	–

Team, branding & businesses

Feature	Cosmobill	Zoho Invoice
Team members Zoho Invoice caps out at 2 users on its only plan; adding a 3rd means leaving Zoho Invoice for the separate Zoho Books product with its own per-user pricing. Cosmobill bundles 5 seats into a flat $10/mo Galaxy tier without changing products.	Up to 5 (Galaxy, $10/mo)	Up to 2, free - more requires switching to Zoho Books
Read-only ("Viewer"/Employee) role at no extra cost Zoho Invoice's 2 free users don't include a restricted read-only role. Cosmobill's read-only role is bundled with Galaxy's team seats at no separate charge.		no dedicated read-only role
Multiple business identities under one login Zoho lets you create more than one organization under your account, but each is tracked against its own separate 500-invoices/year and 1,000-customer limits - nothing is pooled. Cosmobill's multiple businesses share one account and one plan's entitlements.	Free, all plans, shared entitlements	Multiple organizations, each billed/limited separately
Custom logo upload	Planet ($5/mo)+	Free, all plans
Custom brand color / appearance	Planet ($5/mo)+	Free, all plans
Remove the provider's own branding from invoices Because Zoho Invoice has no paid tier, there's no way to remove its "Powered by Zoho Invoice" branding at any price - Cosmobill removes its branding at a fixed $10/mo.	Galaxy ($10/mo)	Not possible on any plan

A note on this comparison

Zoho Invoice details above come from zoho.com/us/invoice's public pricing and feature pages as of when this page was written - pricing pages change, so if something here looks off, treat zoho.com as the source of truth for their current plan. This comparison is against Zoho Invoice specifically, not Zoho Books - Zoho Books is a separate, paid double-entry accounting product with its own tiers (Standard/Professional/Premium and up), and it's the product you'd actually be pushed toward if you outgrow Zoho Invoice's limits, not a "Zoho Invoice Pro" upgrade. Zoho Invoice itself is a genuinely capable free-forever tool - unlimited team-visible customers up to 1,000, recurring invoices, multi-currency, multilingual PDFs, and a large template library, all at no cost. Where Cosmobill differs is that it has no yearly invoice-volume cap or customer-count limit on any plan, and its free tier includes a live full-size invoice preview and a customer-self-fill link that Zoho Invoice doesn't offer. Every Cosmobill row marked available on a plan is a feature that actually ships in the product today, not a roadmap item.

Cosmobill vs.Zoho Invoice