Holded vs Indy (2026): which should you pick?
As of Nov 13, 2026, Indy grades higher than Holded: 2.6 against 2.2 out of 4.0.
Checked Nov 12, 2026 · graded Nov 12, 2026 and Nov 13, 2026 by ToolGPA
Indy grades higher on value for money and the free plan. They get the same grade on features, ease of use and platforms.
Price, platforms and features side by side. The table says where each price was read and when.
Holded
Cloud business management with invoicing, accounting and inventory
Indy
French bookkeeping and tax filing for freelancers and small firms
Which one is for you
Pick Holded if
- Fits if you're a Spanish freelancer who needs invoicing with Verifactu
- Makes sense if you want inventory and a CRM next to your books
Look elsewhere if
- Tight if you stay on the free plan: 20 invoices and 50 scanned expenses a year
- Watch out: Basic allows 2 users and Standard 4, and extra users cost €12 a month each
- Watch out: Inventory starts at €25 a month and HR is €3 per employee, both as add-ons
- Not for you if you're outside Spain, unless you've checked the tax forms for your country
- Pricey if you need full accounting: that starts at Standard, €69 a month
Pick Indy if
- Fits if you are a French freelancer or micro-entrepreneur who wants invoices and books in one place
- Works for people who want to start on a free plan and move up when they need filings
Look elsewhere if
- Not for you if you work outside France, as the product and pages are built around French tax forms
- Skip it if you do not read French, because the pages we read are French only
- Too light for tax filings on Essentiel, since filings and the tax guarantee start at Autonomie
- Watch out: prices exclude VAT and depend on your legal form, and the lower figure needs annual billing
- Watch out: chat support starts at Plus
How we grade them
| 2.2GPAHoldedFair | 2.6GPAIndyGood | |
|---|---|---|
| Value for money | C€19 a month for Starter, €34 for Basic and €69 for Standard, excluding VAT. That's around the middle of the category, and the page doesn't say if it assumes monthly or yearly billing. | BPlus is €9 a month excluding VAT on annual billing, a little under where the cheaper quarter of accounting tools starts at $14. The plans that file your taxes start at €15. |
| Free plan and trial | CThe free Light plan stops at 1 user, 20 invoices and 50 scanned expenses a year. Paid plans have a 14-day trial with no card. | BEssentiel is €0 with e-invoicing, automated bookkeeping, unlimited quotes and invoices and a business account. Support there is email only. |
| Features | CInvoicing, accounting, banks, expense scanning, inventory and CRM. The tax forms and e-invoicing listed are Spanish, so coverage elsewhere is unclear. | CBank sync, quotes, invoices and receipts are covered, but tax filings start at Autonomie and certified accounts at Sérénité. It is built around French tax forms. |
| Ease of use | CNo store rating on record. It's a wide suite with modules to switch on and banks to connect. | CNo store rating on record. You connect your bank and set up your activity before it does the books. |
| Platforms and integrations | BWeb, iPhone and Android, with Shopify, Stripe, PayPal, Zapier, Make and others, and API calls on Premium. | BWeb, iOS and Android; no integrations on record. |
| Best for | invoicing and accounting for Spanish businesses | a French freelancer doing books and tax filing |
The GPA is the average of the five grades: an A is 4 points, an F is none. The full reasons are on each tool's page: Holded and Indy. How we grade
Price against what you get
Holded starts at about $21.23 a month and scores 2.3 out of 4 on features, ease of use and platforms. Indy starts at about $10.05 a month and scores 2.3.
They score the same, and Indy starts $11.18 a month lower. Of the other accounting and invoicing tools on the chart, 8 score higher than Holded for less, and 5 score higher than Indy for less.
Features, ease of use and platforms, averaged
What paid plans start at, a month (each step along is roughly double) →
- The best score at each price
- Has a free plan
- No free plan
Where they differ
- Holded also covers sales pipeline and inventory.
At a glance
| Holded | Indy | |
|---|---|---|
| Pricing | Free plan | Free plan |
| Starts at | €19 per month, excluding VAT | €9 per month excl. VAT, billed annually (€12 billed monthly) |
| Free plan | Light plan: 1 user, 20 invoices a year, 50 scanned expenses a year, unlimited contacts and a client portal. | Essentiel is €0: e-invoicing, automated bookkeeping, unlimited quotes and invoices and a business account with IBAN and card, with support by email. |
| Free trial | 14-day free trial on paid plans, no credit card required | None listed |
| Web | ||
| iOS | ||
| Android | ||
| Made by | Holded Technologies SL | Indy |
| Price read from | holded.com | indy.fr |
| Checked | Nov 12, 2026 | Nov 12, 2026 |
Worth knowing
Holded
- Prices are in euros, exclude VAT, and the page does not say whether the figures assume monthly or annual billing.
- Each plan caps users (2 on Basic, 4 on Standard); extra users cost €12 a month each.
- Inventory starts at €25 a month and the HR module is €3 per employee a month, both as add-on Gems.
- Tax forms and e-invoicing features listed on the page are Spanish; check coverage for other countries.
Indy
- Aimed at French businesses and French tax forms; the pages read are in French only.
- Prices are excl. VAT and depend on the legal form; the cheaper figure assumes annual billing.
- The Essentiel plan has email support only; chat support starts at Plus.
- Tax guarantee and filings such as the balance sheet start at Autonomie, and certified accounts need Sérénité.
Key features
Holded
- Invoicing and quotes
- Unlimited invoices on paid plans, with quotes, proformas, recurring invoices, a client portal, multi-currency and Verifactu.
- Accounting
- Standard and above add automatic journal entries, analytical accounting and annual accounts that an accountant can work from.
- Bank connections and Wallet
- Connect bank accounts to match transactions with invoices and expenses; Holded Wallet adds supplier payments and team cards.
- Expense scanner
- Scans receipts and extracts their data, with a fair-use limit tied to the plan's AI usage.
- Spanish tax forms
- Lists VAT models 303, 347, 349, 369 and 390 and IRPF models, with corporate tax forms 200 and 202 from Standard.
- Inventory, CRM and projects
- Inventory and HR are paid Gems; the CRM and project profitability tracking are part of the plans.
Indy
- Bank sync and auto-categorization
- Transactions are pulled from bank accounts and sorted into accounting categories; the page says the AI classifies more than 90% of them.
- Quotes and e-invoices
- Unlimited quotes and invoices with a layout editor. The page says Indy is a registered approved e-invoicing platform (Plateforme Agréée) with the French tax authority.
- Tax filings
- Depending on the plan and legal form: VAT, URSSAF, CFE, 2035, 2065 and 2033 returns, sent electronically from the app.
- Receipts and expenses
- Photograph receipts or add PDFs and Indy attaches them to transactions; Plus certifies and stores them for tax inspections.
- Business account
- A business account with an IBAN and card is part of every plan, with 3 sub-accounts from Plus.
- Accountant-led plans
- On Sérénité a partner accountant checks transactions, handles filings and certifies the accounts.
Plans
Holded
Light€0
Free invoicing with Verifactu for 1 user, limited to 20 invoices and 50 scanned expenses a year.
Starter€19
per month, excluding VAT
1 user with unlimited invoices and expense scanning, 1 connected bank, VAT and income tax returns and a sales funnel.
Basic€34
per month, excluding VAT
2 users, 5 connected banks, cash flow, 10 recurring invoices, recurring purchases and 1 free point-of-sale store.
Standard€69
per month, excluding VAT
4 users, full accounting, unlimited banks, SEPA remittances, corporate tax forms and user roles.
Advanced€115
per month, excluding VAT
7 users, custom roles and fields, payment reminders, cash flow scenarios and priority support.
Premium€229
per month, excluding VAT
15 users, unlimited recurring invoices, multi-country VAT and 100,000 API calls a month.
Indy
Essentiel€0
Free for every legal form shown. Support by email only.
Plus€9
per month excl. VAT, billed annually (€12 billed monthly)
Adds recurring invoices, automatic payment reminders, quote e-signature and a business account with 3 sub-accounts, plus chat support.
Autonomie (micro-entreprise)€15
per month excl. VAT, billed annually (€19 billed monthly)
Automated URSSAF, VAT, CFE and DAS2 filings, filed electronically, with a receipts ledger and unlimited advice by chat and email.
Autonomie (sole proprietor)€22
per month excl. VAT, billed annually (€28 billed monthly)
Entreprise individuelle: VAT, 2035 return and electronic filing to the tax authorities. Sole proprietors taxed as a company (EI à l'IS) pay €49 (€588 a year or €59 monthly).
Autonomie (company)€49
per month excl. VAT, billed annually (€59 billed monthly)
For SAS, SASU, SARL and EURL: automated balance sheet, income statement, VAT and CFE, annual accounts filing, tax guarantee and unlimited specialist advice.
Sérénité€63
per month excl. VAT, billed annually (€81 billed monthly)
A partner accountant handles filings and certifies accounts. €63 is the SCI / LMNP rate; sole proprietors pay €71, companies €99 (€149 for Exclusivité).
Ways to pay less
Holded
- Other savings
50% off the first 3 months
New customers get 50% off paid plans for their first 3 months, then the regular price applies, per the pricing page.
- Other savings
Black Friday: 70% off for 3 months
For new customers until 30 November 2026, every paid plan is 70% off for the first 3 months, in place of the usual 50%.
Indy
- Annual discount
Annual billing is cheaper than monthly
Each paid plan lists a yearly price against a higher monthly one, for example Plus at €108 a year or €12 a month.
Common questions
Which is cheaper, Holded or Indy?
As of Nov 12, 2026, Indy is cheaper to start with: about $10.05 a month, against about $21.23 a month for Holded. Holded starts at €19 per month, excluding VAT, and Indy starts at €9 per month excl. VAT, billed annually (€12 billed monthly).
Which has a free plan, Holded or Indy?
As of Nov 12, 2026, both Holded and Indy have a free plan.
More comparisons
How this page was made
- The verdict at the top follows a fixed rule. When both tools are in the same category and either is in our top three for it, the verdict follows that ranking: the higher-placed tool is our pick. The top three weigh who each tool suits as well as its grades, so a pick can go against the GPA. Otherwise the page does not pick one and says which grades higher: the higher GPA first; on a tie, the one with a free plan, then the one that starts cheaper in dollars a month, counted the same way for both; if they are still level, what the choice depends on.
- The grades are our own, from each tool’s review or report card. The GPA is their average.
- Prices, plans and platforms come from each tool’s listing. The table above says where each price was read and when.
- The differences and the answers to the questions are worked out from those listings.