Indy vs Pennylane (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 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

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.

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.

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.

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.

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).

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.

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.

Pennylane

• Other savings

  Capital deposit for €1

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