The short answer
Choose Zoho Invoice if…
- You want to collect payments online from the invoice
- You only need invoicing for up to 500 invoices a year
- You already use other Zoho apps
- You want native mobile and desktop apps
Choose CappsAI Studio if…
- You want leads, follow-ups and quotes in one place, not just invoices
- You want an enquiry form or AI chat bot on your website that creates leads with a draft quote
- You want AI to draft quotes from one sentence or by voice
- You have a team of more than 2 and want roles and internal chat for ₹99/month
About Zoho Invoice
Zoho Invoice (part of Zoho) states on its India pricing page that it is "free for all Indian businesses, forever". As listed there on 13 Oct 2026, the free plan allows up to 2 users, 500 invoices a year and 3 projects, includes quotes and GST invoices, online payments by UPI, cards and net banking, a customer portal, and apps for Android, iOS, Windows and Mac. Invoices carry "Powered by Zoho Invoice". For more advanced billing, Zoho points users to Zoho Billing.
About CappsAI Studio
CappsAI Studio is a free quotation maker, GST invoice generator and lightweight CRM for freelancers and small and medium businesses. It captures leads from your website (form, AI chat bot or API), drafts quotes with AI from your own price list, works out CGST/SGST/IGST automatically, shares quotes on WhatsApp, reminds you to follow up, and converts accepted quotes into invoices. Teams get roles and internal chat; Premium adds an email inbox with AI, a help desk and APIs.
Feature comparison
| Feature | CappsAI Studio | Zoho Invoice |
|---|---|---|
| Free plan | Yes, free forever (100 clients, 1 GB) | Yes, free forever (2 users, 500 invoices/year, 3 projects) |
| Paid plans | Pro ₹99/month, Premium ₹299/month (+ GST) | None listed; Zoho Billing for advanced needs |
| Quotations & GST invoices | Yes, CGST/SGST/IGST + place of supply automatic | Yes |
| AI drafting from text or voice | Yes | Not listed on the pricing page |
| CRM: leads, follow-ups, client history | Yes, on every plan | Customers and projects; full CRM is a separate Zoho product |
| Website enquiry form | Yes, on every plan | Not listed on the pricing page |
| AI website chat bot | Yes (guided mode free; AI mode with AI pack or own key) | Not listed on the pricing page |
| Team roles & internal team chat | Pro (up to 5) and Premium (unlimited) | Up to 2 users |
| Email inbox, help desk, Web Leads API | Premium | Separate Zoho products |
| Docs, Sheets, Slides, PDF editor | Yes, on every plan | Separate Zoho products |
| Inventory / stock | No | Separate Zoho product |
| Accounting books (ledger, P&L) | No | Separate product (Zoho Books) |
| Collect online payments | No; invoices show your bank/UPI details | Yes: UPI, cards, net banking |
| Platforms | Web browser on any device | Web, Android, iOS, Windows, Mac |
CappsAI Studio details are from our own product guide. Zoho Invoice details are from www.zoho.com/in/invoice/pricing, checked 13 Oct 2026. Products change; please confirm current plans with each vendor.
Where CappsAI Studio is not the right fit
We'd rather you pick the right tool. Studio doesn't track inventory, doesn't keep accounting books, and doesn't collect payments on your behalf (your invoices show your bank and UPI details and you record what's paid). If those are must-haves, a billing-and-inventory or accounting product will serve you better, and you can still use Studio's free plan for leads and quotes.
Switching is simple
- Sign in free at studio.cappsai.com with Google, Apple or an email code.
- Add your business details, GSTIN and bank/UPI details.
- Add your services with prices and HSN/SAC codes.
- Put the enquiry form or chat bot on your website, and send your first quote.