Invoice Ninja vs Settle
Updated June 2026 · A structured head-to-head comparison.
Open-source invoicing and payments.
The verdict
Both Invoice Ninja and Settle are credible invoicing billing tools, and the right pick comes down to your priorities.
Choose Invoice Ninja if you want a lower starting price (free – $10/mo), a free plan to start on and broader platform coverage. Open-source invoicing and payments.
Settle — AP and cash-flow for product brands.
Invoice Ninja vs Settle: side by side
| Dimension | Invoice Ninja | Settle |
|---|---|---|
| Starting price | Free – $10/moWinner | Custom |
| Free plan | YesWinner | No |
| Pricing model | Freemium | Subscription |
| Best for | Freelancers, Developers | Ecommerce, Smb |
| Platforms | Web, Self Hosted, Ios, AndroidWinner | Web, Api |
| Rating | 4.6/5 | 4.4/5 |
Invoice Ninja key facts
- Vendor
- Invoice Ninja
- Pricing
- Freemium — Free – $10/mo
- Free tier
- Yes
- Platforms
- Web, Self Hosted, Ios, Android
- Best for
- Freelancers, Developers
- Editor rating
- 4.6 / 5
- Founded
- 2014
- Headquarters
- Israel
Settle key facts
- Vendor
- Settle
- Pricing
- Subscription — Custom
- Free tier
- No
- Platforms
- Web, Api
- Best for
- Ecommerce, Smb
- Editor rating
- 4.4 / 5
- Founded
- 2019
- Headquarters
- San Francisco, CA, USA
Frequently asked questions
Is Invoice Ninja better than Settle?
Neither is universally better — Invoice Ninja edges ahead on overall rating, but the best choice depends on price, platforms, and your use case. See the side-by-side table above.
Is Invoice Ninja or Settle cheaper?
Invoice Ninja is the more affordable of the two to get started, at free – $10/mo. Invoice Ninja starts at free – $10/mo; Settle starts at custom.
Can Invoice Ninja replace Settle?
Yes for most teams — both are invoicing billing tools with heavily overlapping features. The main trade-offs are pricing and platform support, covered in the comparison above.