Indy vs Moneybird (2026): which should you pick?

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

Pick Moneybird if

• Fits if you're a Dutch or European freelancer who wants VAT returns filed electronically
• Works for online shops that connect Shopify or bol.com

Look elsewhere if

• Tight if you're on Compact: 1 invoice a month, 5 processed bank transactions and no VAT return
• Watch out: each sales invoice over your limit costs €0.15
• Watch out: iDEAL costs €0.29 a payment and cards 1% to 5%, and bank connections add small charges
• Watch out: the pricing page doesn't say which countries it serves

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.

Moneybird

• Monthly invoice limits apply; beyond them each extra sales invoice costs €0.15.
• Online payments carry fees, for example €0.29 for iDEAL and 1% to 5% for cards, with a 16 cent minimum on variable fees.
• Bank connections add small charges, such as €0.03 per payment record and €1.00 to initiate a payment.
• The site is offered in English, Dutch, German and French; the pricing page does not list which countries it serves.

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.

Moneybird

Invoices and quotes

Send sales invoices and quotes, set recurring invoices and automatic reminders, and send through Peppol or collect by SEPA direct debit.

Purchase invoices and receipts

Scan receipts with the app, process UBL invoices and receive invoices through Peppol. Smart document processing is capped at 3 on Compact.

Bank connections

Link bank accounts from 1,700+ European banks and match the transactions. How many accounts and transactions depends on the plan.

Bookkeeping and VAT returns

Reports, ledger accounts and asset depreciation are included. Electronic VAT returns and ICP returns can be filed from Moneybird on Start and above.

Timesheets and online sales

Record billable hours and turn them into invoices, and take payments through a payment link or recurring subscriptions.

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).

Moneybird

• Compact€3

  per month, billed yearly (€4 billed monthly)

  1 user and 1 sales invoice a month, 5 processed bank transactions, no linked bank account or VAT return.

• Start€15

  per month, billed yearly (€18 billed monthly)

  1 user, 200 sales invoices a month, 20 processed bank transactions and electronic VAT returns.

• Growth€29

  per month, billed yearly (€35 billed monthly)

  5 users, 500 sales invoices a month, 5 linked bank accounts and 50 processed transactions.

• Complete€41

  per month, billed yearly (€49 billed monthly)

  Unlimited users, linked bank accounts and transactions, and 1,000 sales invoices a month.

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.

Moneybird

• Annual discount

  At least 16% off with yearly billing

  The pricing page shows the yearly-billed price per month and the saving per year, from €12 on Compact to €96 on Complete.