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Invoice Ninja

Invoice Ninja handles quoting, invoicing, recurring billing and payment collection. Bank rules match imported transactions to invoices or expenses. Client credits and filtered reporting help manage receivables. The reviewed evidence does not establish a complete double-entry ledger or UK MTD filing workflow.

Checked Oct 20, 2026 · 5 official sources · Desk research
Accounting & Invoicing
A GOOD FIT WHEN

Freelancers and service businesses focused on billing and collections.

  • Recurring billing and payment gateways
  • Client credits across invoices
  • Detailed CSV reporting
LOOK MORE CLOSELY WHEN

You need verified statutory accounts, journal controls and direct UK VAT filing in one product.

  • Full general-ledger capability remains unverified.
  • UK MTD and CIS are not established.
  • Multi-user permissions and bank sync require Enterprise.

CATEGORY-SPECIFIC EVIDENCE

Capabilities, controls and depth.

Scores combine core capabilities and workflow depth. Full support earns full points; limited support earns half. Unverified features create a range, and paid-plan requirements are shown in the evidence. How scoring works →

Accounting & Invoicing · 28 features
31–100/100 documented fit
Core capabilities17.6–32 / 32 pts6/10 checks with established status
Workflow depth13.6–68 / 68 pts3/18 checks with established status
Showing fewer rows does not change the score.
Accounting & Invoicing · 28 weighted capability checks
Feature / weightSupport, evidence & points
Core capabilityGeneral ledger & transaction recordsRecord accounting transactions in a structured set of books.
4.8 points maximum		Not verified0–4.8 / 4.8 pts

Not established in the reviewed documentation.

Not verified · Oct 20, 2026Source
Core capabilityTransaction history or period locksInspect changes to transactions or restrict changes to a closed accounting period.
4.8 points maximum		Not verified0–4.8 / 4.8 pts

Not established in the reviewed documentation.

Not verified · Oct 20, 2026Source
Depth checkReverse a posted journalCreate a correcting or reversing entry while retaining the original posting.
7.2 points maximum
Ask for a demonstration

Post a journal, reverse it, and show both entries in the ledger.

A scenario to run with the supplier; not a completed product test.
Not verified0–7.2 / 7.2 pts

Not established in the reviewed documentation.

Not verified · Oct 20, 2026Source
Depth checkRestrict accounting actionsGive a colleague access to selected accounting work without full administrator rights.
7.2 points maximum
Ask for a demonstration

Let a colleague enter invoices while restricting unrelated accounting actions.

A scenario to run with the supplier; not a completed product test.
Not verified0–7.2 / 7.2 pts

Not established in the reviewed documentation.

Not verified · Oct 20, 2026Source
Core capabilityCreate customer invoicesPrepare and send invoices with customer balances.
3.2 points maximum		Supported3.2 / 3.2 pts

Quotes and customer invoices.

Official documentation · Oct 20, 2026Source
Core capabilityCollect invoice payments onlineConnect an invoice to a supported online payment method.
3.2 points maximum		Supported3.2 / 3.2 pts

Payment gateways and partial payments.

Official documentation · Oct 20, 2026Source
Depth checkCredits and customer refundsRecord a credit or refund against an existing customer balance.
4.8 points maximum
Ask for a demonstration

Correct an overbilled customer without deleting the original invoice.

A scenario to run with the supplier; not a completed product test.
Supported4.8 / 4.8 pts

Credits allocated across customer invoices.

Official documentation · Oct 20, 2026Source
Depth checkScheduled repeat invoicesGenerate recurring customer invoices from a reusable schedule.
4.8 points maximum
Ask for a demonstration

Create a monthly invoice schedule and change the next occurrence.

A scenario to run with the supplier; not a completed product test.
Supported4.8 / 4.8 pts

Recurring invoices and auto-billing.

Official documentation · Oct 20, 2026Source
Core capabilityImport bank transactionsBring bank statement activity into the accounting workspace.
3.2 points maximum		Supported3.2 / 3.2 pts

Enterprise connected bank feeds.

Official documentation · Oct 20, 2026Source
Core capabilityMatch and reconcile bank activityMatch statement activity to recorded transactions and reconcile balances.
3.2 points maximum		Supported3.2 / 3.2 pts

Ordered matching rules and manual review.

Official documentation · Oct 20, 2026Source
Depth checkHandle split or fee-adjusted matchesAllocate a bank amount across records or account for a difference such as a fee.
4.8 points maximum
Ask for a demonstration

Reconcile a net deposit covering two invoices and a processing fee.

A scenario to run with the supplier; not a completed product test.
Not verified0–4.8 / 4.8 pts

Not established in the reviewed documentation.

Not verified · Oct 20, 2026Source
Depth checkUndo a mistaken reconciliationUnmatch or reopen previously reconciled bank activity for correction.
4.8 points maximum
Ask for a demonstration

Undo an incorrect match and show the resulting statement and ledger state.

A scenario to run with the supplier; not a completed product test.
Not verified0–4.8 / 4.8 pts

Transaction deletion leaves underlying records; full undo unverified.

Not verified · Oct 20, 2026Source
Core capabilityFinancial reportsProduce accounting reports from the recorded books.
2.4 points maximum		Supported2.4 / 2.4 pts

P&L uses cash or accrual view; full statutory accounts not established.

Official documentation · Oct 20, 2026Source
Core capabilityProject, dimension or entity reportingAnalyze financial results by a project, reporting dimension or consolidated entity structure.
2.4 points maximum		Supported2.4 / 2.4 pts

Client/project/category report filters.

Official documentation · Oct 20, 2026Source
Depth checkExport detailed accounting recordsExport transaction-level accounting records to a reusable spreadsheet or data format.
3.2 points maximum
Ask for a demonstration

Export detailed transactions and show identifiers, dates and account amounts.

A scenario to run with the supplier; not a completed product test.
Not verified0–3.2 / 3.2 pts

CSV export documented; account-level ledger fields unverified.

Not verified · Oct 20, 2026Source
Depth checkTrace reports to transactionsInspect the transactions or journal lines underlying a financial report total.
4 points maximum
Ask for a demonstration

Open one report total and identify the transactions making it up.

A scenario to run with the supplier; not a completed product test.
Supported4 / 4 pts

Record-level report previews and filters.

Official documentation · Oct 20, 2026Source
Core capabilityAI answers from financial dataAsk questions about the business financial records using an AI assistant.
2.4 points maximum		Not verified0–2.4 / 2.4 pts

Not established in the reviewed documentation.

Not verified · Oct 20, 2026Source
Core capabilityAI transaction processingUse AI to create, extract, categorize or reconcile accounting transactions with a review path.
2.4 points maximum		Not verified0–2.4 / 2.4 pts

Not established in the reviewed documentation.

Not verified · Oct 20, 2026Source
Depth checkInspect AI source contextAn AI answer or classification exposes supporting records, references or a reason for its suggestion.
3.2 points maximum
Ask for a demonstration

Ask AI about a financial result and show its supporting records or explanation.

A scenario to run with the supplier; not a completed product test.
Not verified0–3.2 / 3.2 pts

Not established in the reviewed documentation.

Not verified · Oct 20, 2026Source
Depth checkReview or correct AI workReview, reject, edit or switch off an AI accounting suggestion or action.
4 points maximum
Ask for a demonstration

Reject or correct an AI suggestion and show what is ultimately posted.

A scenario to run with the supplier; not a completed product test.
Not verified0–4 / 4 pts

Not established in the reviewed documentation.

Not verified · Oct 20, 2026Source
Depth checkField-level uncertainty for AI-extracted accounting dataDemonstrate “Field-level uncertainty for AI-extracted accounting data” with a sample record; show the result, permissions and required plan.
2.5 points maximum
Ask for a demonstration

Demonstrate “Field-level uncertainty for AI-extracted accounting data” with a sample record; show the result, permissions and required plan.

A scenario to run with the supplier; not a completed product test.
Not verified0–2.5 / 2.5 pts

This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan.

Not verified · Oct 21, 2026Source
Depth checkScheduled recognition of prepaid expensesDemonstrate “Scheduled recognition of prepaid expenses” with a sample record; show the result, permissions and required plan.
2.5 points maximum
Ask for a demonstration

Demonstrate “Scheduled recognition of prepaid expenses” with a sample record; show the result, permissions and required plan.

A scenario to run with the supplier; not a completed product test.
Not verified0–2.5 / 2.5 pts

This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan.

Not verified · Oct 21, 2026Source
Depth checkUnrealised currency gains on open balancesDemonstrate “Unrealised currency gains on open balances” with a sample record; show the result, permissions and required plan.
2.5 points maximum
Ask for a demonstration

Demonstrate “Unrealised currency gains on open balances” with a sample record; show the result, permissions and required plan.

A scenario to run with the supplier; not a completed product test.
Not verified0–2.5 / 2.5 pts

This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan.

Not verified · Oct 21, 2026Source
Depth checkReconcile opening balances before migration sign-offDemonstrate “Reconcile opening balances before migration sign-off” with a sample record; show the result, permissions and required plan.
2.5 points maximum
Ask for a demonstration

Demonstrate “Reconcile opening balances before migration sign-off” with a sample record; show the result, permissions and required plan.

A scenario to run with the supplier; not a completed product test.
Not verified0–2.5 / 2.5 pts

This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan.

Not verified · Oct 21, 2026Source
Depth checkPreview a bank rule before applying itDemonstrate “Preview a bank rule before applying it” with a sample record; show the result, permissions and required plan.
2.5 points maximum
Ask for a demonstration

Demonstrate “Preview a bank rule before applying it” with a sample record; show the result, permissions and required plan.

A scenario to run with the supplier; not a completed product test.
Not verified0–2.5 / 2.5 pts

This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan.

Not verified · Oct 21, 2026Source
Depth checkOffset receivables against payables for one partnerDemonstrate “Offset receivables against payables for one partner” with a sample record; show the result, permissions and required plan.
2.5 points maximum
Ask for a demonstration

Demonstrate “Offset receivables against payables for one partner” with a sample record; show the result, permissions and required plan.

A scenario to run with the supplier; not a completed product test.
Not verified0–2.5 / 2.5 pts

This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan.

Not verified · Oct 21, 2026Source
Depth checkCustomer statements with overdue balance bucketsDemonstrate “Customer statements with overdue balance buckets” with a sample record; show the result, permissions and required plan.
2.5 points maximum
Ask for a demonstration

Demonstrate “Customer statements with overdue balance buckets” with a sample record; show the result, permissions and required plan.

A scenario to run with the supplier; not a completed product test.
Not verified0–2.5 / 2.5 pts

This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan.

Not verified · Oct 21, 2026Source
Depth checkCompare cash-flow scenarios without changing the ledgerDemonstrate “Compare cash-flow scenarios without changing the ledger” with a sample record; show the result, permissions and required plan.
2.5 points maximum
Ask for a demonstration

Demonstrate “Compare cash-flow scenarios without changing the ledger” with a sample record; show the result, permissions and required plan.

A scenario to run with the supplier; not a completed product test.
Not verified0–2.5 / 2.5 pts

This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan.

Not verified · Oct 21, 2026Source
Compare in Accounting & Invoicing →

AI CAPABILITY CHECK

What does its AI actually do?

Not independently verified

Bank matching rules are documented; AI financial reasoning is not established.

Official AI source

Documented capabilities

    Limits to check

    • Do not label conditional matching rules AI.

    Understand the full price

    Pro $14 monthly or $140 yearly; Enterprise $18 monthly or $180 yearly for 1–2 users. Free permits five clients.

    Billing basis: monthly. Unit: account/month. Currency: USD.

      Verify current pricing with the vendor

      Integrations and deployment

      • Stripe
      • PayPal
      • GoCardless
      • Yodlee

      Security claims require the relevant agreement and technical evidence. This is a review of public documentation.

      US buying context

      US sales-tax support and US payment gateways are documented; accounting scope remains invoicing-led.

      The evidence record

      Quotes convert to invoices.

      Official evidence

      Recurring invoices and automatic payment collection.

      Official evidence

      Deposits and partial payments.

      Official evidence

      Vendor expenses and purchase orders.

      Official evidence

      Multiple client currencies.

      Official evidence

      Client credit can cover multiple invoices.

      Official evidence

      Applied-credit reversal has a defined workflow.

      Official evidence

      Rules match transactions to invoices/payments.

      Official evidence

      First matching bank rule wins.

      Official evidence

      Auto-conversion can remain disabled for review.

      Official evidence

      Enterprise bank-feed services.

      Official evidence

      Filter by client/project/category and export CSV.

      Official evidence

      Schedule recurring emailed reports.

      Official evidence

      P&L has cash/accrual-style views.

      Official evidence

      Enterprise user permissions.

      Official evidence

      Source library

      1. Plans
      2. Billing features
      3. Credits
      4. Banking rules
      5. Reports

      Research is based on documentation, not a hands-on performance test. Report a correction.

      EXPLORE THE ALTERNATIVES

      Keep your options open.

      Accounting & Invoicing alternatives · highest documented score first.

      84–99/100 documented fit

      Xero

      US cloud accounting with shared access, bank reconciliation and tiered reporting.

      Good fit forCollaborative small-business bookkeeping without per-user licensing.
      $27.00organization/month
      View research
      74–100/100 documented fit

      QuickBooks Online

      Cloud accounting with US invoicing, bank workflows and plan-based financial reporting.

      Good fit forSmall businesses working closely with a bookkeeper.
      $38.00organization/month
      View research
      73–100/100 documented fit

      Zoho Books

      US accounting with invoices, bank feeds and configurable workflows across paid tiers.

      Good fit forSmall businesses seeking structured accounting within Zoho.
      $15.00organization/month · billed annually
      View research

      Plans and feature boundaries

      The feature score covers the product across documented plans. This table shows package differences; it does not claim that every scored feature is included in the starting price.

      PlanPublished priceDocumented inclusionsLimits and conditions
      Free
      Plan source ↗      		USD 0
      Free · Confirm billing unit in source
      • Invoicing
      		5 clients; unlimited invoices.
      Pro
      Plan source ↗      		USD 14
      Monthly · Confirm billing unit in source
      • Unlimited clients
      • API
      • P&L
      		1 user; $140 yearly.
      Enterprise
      Plan source ↗      		USD 18
      Monthly · Confirm billing unit in source
      • User permissions
      • Bank sync
      • Peppol credits
      		1–2 users at starting price; $180 yearly; higher user counts cost more.

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