Invoicing, minus the account

Use Zoho Invoice if you want the most generous free invoicing suite. Use MonkeeTools if you won't create an account.

The verdictWant the full free suite?Zoho Invoice. Estimates, expenses, client portal, mobile apps.

The verdictRefuse accounts entirely?MonkeeTools. Free, no account, nothing stored.

The verdictWant both?Use both. Zoho for the suite, MonkeeTools when you just need an invoice in seconds.

Zoho Invoice vs MonkeeTools, honestly

Zoho's pricing and feature pages, checked September 14, 2026. Where Zoho wins, we say so. That is the deal.

	Zoho Invoice	MonkeeTools
Price to start	Free, capped at 500 invoices/year (2 users)	$0. Free forever.
Signup required	Yes, a Zoho account	None. No account to verify, freeze, or close.
Feature depth	Estimates, recurring invoices, expenses, client portal, multi-currency support, mobile apps	Invoicing only. Three designs, recurring templates, reminders, CSV export.
Where your data lives	Stored on Zoho's servers. Strong privacy policy: no ads, no data selling	Stays on your device. We store nothing unless you share an invoice.
Invoice branding	“Powered by Zoho Invoice” on free documents	Small MonkeeTools footer on free PDFs.

More differences: payments, support, recurring invoices

	Zoho Invoice	MonkeeTools
Payment collection	Stripe and PayPal payment gateways built in	No processing, no cut. Attach your own Stripe link or bank details.
Human support	Email support from a real company	None. Automated FAQ helper and a public feedback board.
Recurring invoices	Built in, automatic	One-click regeneration. Local recurring templates.

Sources. Competitor details taken from Zoho's public pages (free-tier caps last checked Sep 14, 2026). Spot something out of date? Email monkeetools@proton.me and we will correct it.

Real invoices, three designs

Rendered by MonkeeTools itself, not mockups. Choose once and the app remembers your pick.

Classic invoice design rendered by MonkeeTools — **Classic.** The familiar one. Clean header, quiet rules.

When Zoho Invoice is the better choice

Choose Zoho when you want a complete free invoicing suite. Plainly, and without a wink:

You want the most generous free invoicing product. Estimates, recurring invoices, expenses, a client self-service portal, multi-currency support, and real mobile apps, all free. We genuinely cannot match that depth at our size, and we won't pretend to.
You're fine with a Zoho account. If creating one doesn't bother you, Zoho gives you more features for the same $0. Our entire pitch is for the people it does bother.
You want a real company behind the tool. Zoho has been around since 1996, with email support and a whole ecosystem your invoicing plugs into.

If any of that is you, use Zoho Invoice. Seriously. We would rather lose you honestly than keep you with spin.

When MonkeeTools wins

Choose MonkeeTools when the account itself is the dealbreaker.

You will not create an account, full stop. Zoho Invoice needs a Zoho account. We don't have an account system at all, so there is nothing to sign up for, verify, or remember a password for.
You want zero servers holding your client data. Zoho has a genuinely strong privacy policy, no ads, no data selling, but your records still live on Zoho's servers. With MonkeeTools, everything stays on your device. That is architecture, not a promise.
You want an invoice in seconds with zero setup. No onboarding, no workspace, no learning a suite. Open the page, fill in the blanks, download the PDF.

No account. Still remembers you.

The convenience of an invoicing app without needing an invoicing account. MonkeeTools keeps your business details, your client list, your invoice history, and your chosen invoice design stored locally in your browser. Duplicate a past invoice instead of retyping it, generate the next one from a recurring template in one click, send a client their invoice link, import line items from CSV, back up and restore everything, and export a CSV at tax time.

Questions Zoho users ask us

Is it really free?

Yes. Creating invoices and downloading PDFs is free forever. No trial, no pricing page, no catch.

How is MonkeeTools funded?

Core invoicing and PDF downloads are free forever. An optional $7 supporter payment unlocks logo branding on your invoices and helps fund the project. Payments are handled by Stripe; we never see your card details.

Do I need an account?

No. There is no account system at all, which also means there is no account that can be frozen or closed.

Can I switch from Zoho Invoice?

There is nothing to migrate. Start making invoices here today. If you ever need estimates, expenses, or a client portal again, your Zoho account will still be there.

Why would I pick MonkeeTools over Zoho Invoice?

One reason: no account. If you will happily create a Zoho account, Zoho Invoice gives you more features for the same $0. MonkeeTools exists for the people who won't.

Is my client data uploaded anywhere?

Not stored by MonkeeTools. Your business details, clients, and invoice records stay in your browser on your device, unless you choose to share an invoice with a client. Our privacy page explains exactly what touches the network and what never does.

Just need the invoice?
Skip the account.

Free forever. No account. Your records are not stored on our servers.

Create my free invoice

Invoicing. Minus the account.