Compare · Accounting and invoicing

SME AI Office vs Invoice Ninja

Invoice Ninja is invoicing software, free for five clients and open source. SME AI Office is Singapore invoicing with a free PayNow QR, plus accounting, GST and payroll.

Prices checked 30 September 2026

The short answer

Choose Invoice Ninja if you want invoicing only, with unlimited invoices to a few clients, many payment gateways, or software you can host yourself. Ninja Pro is $14 a month, or $140 a year billed annually.

Choose SME AI Office if you want a PayNow QR on every invoice, no limit on customers, and invoices that post to your P&L and GST F5. It is free for 10 invoices a month; Pro 365 is S$365 a year with payroll and CPF too, against Invoice Ninja Pro at $140 a year.

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Side by side

SME AI Office and Invoice Ninja compared for a Singapore business, 30 September 2026
SME AI OfficeInvoice Ninja
Price Free plan S$0. Pro 365 S$39 a month or S$365 a year Ninja Pro $14 a month, or $140 a year billed annuallyShown in $ on their site; no Singapore price page
Free plan Yes, for good. 10 invoices a month, unlimited contacts, no card Free plan: 5 clients, unlimited invoices
Customers Unlimited on every plan, no per-contact charge Up to 5 clients free; unlimited on Pro
PayNow Free PayNow QR for the exact amount on every invoice Online payment through a gateway: Stripe, PayPal, Square and others
Reminders Email reminders before and after the due date, on days you pick Automatic late-payment reminders on Pro and above
Branding Small smeaio.com mark on Free, none on Pro 365 "Created by Invoice Ninja" removed on Pro
Tax GST per line; GST F5 filled in on Pro 365. You file Automatic sales tax calculation for US states on Pro
Bank sync Not offered. Receipts are read for you on Pro 365 Bank account sync on Enterprise, from $18 a month
Hosting Hosted for you on AWS, nothing to install Hosted, or self-host the open-source version

Which one fits

SME AI Office fits when

  • You invoice Singapore customers and want them to pay by PayNow QR with no fee.
  • You have more than five customers and want to stay on a free plan.
  • You want invoices, accounts, GST and payroll with CPF in one place.

Invoice Ninja fits when

  • You invoice a few clients a lot, or bill overseas clients through PayPal or other gateways.
  • You want to host the software yourself.
  • You need bank sync or e-invoicing on the Enterprise plan.

Your P&L and 10 invoices a month are free. Everything else is Pro 365, S$365 a year.

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Questions

Is SME AI Office cheaper than Invoice Ninja in Singapore?

Both have a free plan. Invoice Ninja is free for up to five clients, and Pro is $14 a month or $140 a year. SME AI Office is free for 10 invoices a month with unlimited customers, and Pro 365 is S$365 a year with unlimited invoices, GST F5 and payroll with CPF included.

Does Invoice Ninja support PayNow?

Invoice Ninja takes online payments through gateways such as Stripe, PayPal and Square; its payments page does not list PayNow. SME AI Office puts a PayNow QR for the exact amount on every invoice, free on every plan, with the money going straight to your bank.

What is a Singapore alternative to Invoice Ninja?

SME AI Office is built for Singapore: a PayNow QR on every invoice, GST per line, the GST F5 filled in on Pro 365, and payroll with CPF. It is free for 10 invoices a month with no limit on customers, and Pro 365 is S$365 a year.

Does SME AI Office limit how many customers I have?

No. Contacts are unlimited on every plan, with no per-contact charge. The Free plan limits invoices to 10 a month; Pro 365 makes them unlimited. Invoice Ninja's free plan allows five clients with unlimited invoices.

Can I move from Invoice Ninja to SME AI Office?

Yes. Export your clients and invoices from Invoice Ninja, then WhatsApp us on +65 9613 7676 and we help you move it over. Contacts can also be imported from CSV.

Invoice Ninja facts are from invoiceninja.com/pricing-plans, invoiceninja.com/payments, checked on 30 September 2026. Prices are as shown there, including any shown only as “$” with no currency. Invoice Ninja is a trademark of Invoice Ninja, LLC. SME AI Office is not connected with Invoice Ninja.

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