Billy vs Pennylane (2026): which should you pick?

Pick Billy if

• Fits if you're a Danish sole trader sending a few invoices a month
• Works for small Danish companies that want accountant access built in

Look elsewhere if

• Tight if you send more than 3 invoices or file more than 10 receipts a month, which is where Free stops
• Pricey if you want annual accounts: they cost extra, from 2,495 kr., and the accountant package from 4,495 kr.
• Not for you if you're outside Denmark, as it's Danish kroner and Danish rules
• Watch out: Complete has a 12-month commitment, and the site says Billy is now part of Shine

Pick Pennylane if

• Fits if you run a French company and want invoicing and your business account together
• Makes sense if your accountant will work inside the same app

Look elsewhere if

• Not for you if you're outside France, as the pages and plans are French and in euros
• Pricey if you want real accounting: the module is Premium at €79 a month, €149 for 2 users
• Watch out: Starter needs the Pennylane Pro account activated
• Watch out: each plan covers up to 1,200 invoices a year

Billy

• The Free plan caps usage at 3 invoices and 10 expense receipts a month.
• Prices are in Danish kroner, excluding VAT, and the Complete plan carries a 12-month commitment.
• Annual accounts cost extra on most plans, from 2,495 kr., and the accountant package from 4,495 kr.
• The site says Billy is now part of Shine, so the product and its pricing may move to Shine's pages.

Pennylane

• Pages and plans are in French, priced in euros before VAT, and aimed at French companies.
• Each plan covers up to 1,200 invoices a year; Custom has unlimited sales invoices.
• Starter requires activating the Pennylane Pro account; the paid plans are sold by company size and user count.
• Capital deposit costs €1 instead of €69 excluding VAT with a Pennylane subscription.

Billy

Invoices and quotes

Send invoices and quotes in your own design, with card and MobilePay payment on invoices, and set up subscription invoices.

Receipts and bookkeeping

Scan, upload and store receipts, with a bookkeeping assistant that suggests how to post each expense.

VAT reporting

Report VAT figures to the Danish tax authority directly from the program and connect a bank to match transactions.

Payroll

Produce payslips from the same account and have the payroll posted to the books automatically. Billed per payslip.

Accountant access

Give an accountant access to the books from the Basic plan up, with add-on packages for annual accounts.

Mobile app

A mobile app for scanning receipts and sending quotes and invoices while out with customers.

Pennylane

Invoicing and e-invoicing

Create and receive invoices in line with French e-invoicing rules; the pages state that every plan is compliant.

Pro account and cards

A business account with virtual, physical and one-time cards, supplier payments and automatic reconciliation of transactions.

Accounting module

The Premium plan adds accounting reports, automated entry rules, VAT and tax-return filing by EDI, and month-end closing.

Expense reports

From Essentiel, the plans handle expense claims and mileage allowances, with automatic categorization and analytical reports.

Cash forecast

Essentiel and above include a cash forecast, based on the pricing page's feature list.

Accountant access

Plans give your accountant access, and a separate offer exists for accounting firms.

Billy

• Free0 kr.

  per month, excl. VAT

  3 invoices and 10 expense receipts a month, VAT filing and receipt upload.

• Basic160 kr.

  per month, excl. VAT (page notes a saving vs monthly billing)

  No usage limits, ad-free invoices, accountant access and full bookkeeping support by email and chat.

• Plus295 kr.

  per month, excl. VAT (page notes a saving vs monthly billing)

  Adds AI accounting features, Copilot access, unlimited integrations, payroll and phone support.

• Complete595 kr.

  per month, excl. VAT, 12-month commitment

  Everything in Plus, with a quarterly accounts check, priority support and a do-it-yourself annual report included.

Pennylane

• Starter€7

  per month, excluding VAT, 1 user

  For independents: invoicing, Pro account with cards, supplier payments in one click, bank sync; needs the Pro account active.

• Basique€14

  per month, excluding VAT, 1 user

  Adds deposits and partial invoices, delivery and purchase orders and built-in supplier payment; €29 for a 2-user company.

• Essentiel€24

  per month, excluding VAT, 1 user

  Adds automated reminders, quote signing, recurring invoices, expense reports, cash forecast and API; €49 for 2 users.

• Premium€79

  per month, excluding VAT, 1 user

  Adds the accounting module: tax filing by EDI, month-end and annual closing, annual accounts; €149 for 2 users.

• CustomCustom

  For multi-entity or complex companies: unlimited users, multi-level approvals and EBICS T payments; quote only.

Billy

• Other savings

  50% off payroll for 12 months

  Billy's homepage says payroll is charged per payslip, with a 50% saving during the first 12 months.

Pennylane

• Other savings

  Capital deposit for €1

  A Pennylane subscription from €7 excluding VAT lowers the online capital deposit fee to €1 from €69.