Sage and Xero are full accounting packages. Invo is smaller on purpose, for South African businesses that mostly need to quote, invoice, track jobs and get paid.
What matters
invo
Sage
Xero
Who it's built for
SA small businesses
SA businesses and their accountants
Global, with SA support
Setup for non-accountants
Short, guided setup
Full accounting setup, steeper learning curve
Powerful, but more to set up
Quotes, invoices, projects and stock
One workflow
Accounting-led
Accounting-led
Sending invoices to clients
Email or your own WhatsApp
Email-first
Email-first
Entry price (incl. VAT)
Free, then R99/month
Entry plan costs more than Solo
Starter R450/month
Who it's built for
invo
SA small businesses
Sage
SA businesses and their accountants
Xero
Global, with SA support
Setup for non-accountants
invo
Short, guided setup
Sage
Full accounting setup, steeper learning curve
Xero
Powerful, but more to set up
Quotes, invoices, projects and stock
invo
One workflow
Sage
Accounting-led
Xero
Accounting-led
Sending invoices to clients
invo
Email or your own WhatsApp
Sage
Email-first
Xero
Email-first
Entry price (incl. VAT)
invo
Free, then R99/month
Sage
Entry plan costs more than Solo
Xero
Starter R450/month
Xero price from xero.com/za, checked 1 October 2026. Check sage.com for Sage's current South African pricing.
Pricing questions, answered.
If your question isn't here, email us and you'll get a reply from the person who builds Invo.
Yes, from your billing settings, without emailing anyone. An upgrade starts straight away and you pay the difference for the rest of your billing period. A downgrade costs nothing today and takes effect on your next billing date.
You move to the Free plan automatically and nothing is deleted. Your clients, invoices and quotes stay, and you can keep sending up to 5 invoices and 5 quotes a month. Expenses, reports, recurring invoices and the other paid features pause until you upgrade. We email you a few days before the trial ends.
Yes. There is no card on file and no time limit. Free includes 5 standard invoices and 5 quotes a month, unlimited clients, PDFs, email and WhatsApp sending, payment recording and online payment links through your own gateway. Your allowance resets on the 1st of each month (South African time).
Standard invoices you create, including duplicates and quotes converted to invoices. Credit notes, deposit invoices, late fee invoices and recurring invoices do not count. Quotes have their own separate allowance of 5.
Yes. If you're not happy with a paid plan, email info@getinvo.co.za within 30 days of your first payment on it and we'll refund that payment in full. Later renewals aren't refundable, but you can cancel at any time and you won't be charged again.
No. There is no setup or onboarding fee, and the price on this page is what you pay.
Invo writes the message and opens WhatsApp with your client's number filled in. You check it, change it if you like, and send it from your own WhatsApp, so there are no credits to buy.
No. Invo works out VAT, subtotals and how long each invoice has been unpaid. If you can fill in a client's name and a price, you can send a proper tax invoice.
Yes, from Solo. You pick an accent colour and which side your logo sits on. Business and Pro also get the Modern and Compact layouts. The design shows on your invoices, quotes, purchase orders, project reports and customer statements, on the pages your clients open, and in the emails Invo sends them. Your tax details, names and totals are the same on every layout. On Free, documents use the default look.
Start on Free, or go straight to a plan.
Free costs nothing and needs no card. If you cancel a paid plan later, you drop back to Free and your invoices, quotes and clients stay where they are.