Indy vs Invoice Ninja Comparison 2026

Indy puts proposals, contracts, invoices, time tracking and a client portal in one place, priced for one person rather than for a firm. The free plan allows three of each a month, which fits somebody taking a handful of brand deals a year. Anybody past that will hit the cap in a week and the paid tier is billed two years at a time.

Invoice Ninja issues invoices, quotes and recurring bills, takes payment through a long list of gateways, and gives the whole thing away for up to five clients with no time limit and no invoice cap. The application is open source, so anybody who would rather hold their own data can run it on their own server instead of paying for the hosted version. Paying lifts the client limit and adds the branding and automation a business wants. Five clients is the ceiling that decides it, and it arrives sooner than most people expect.