Indy vs Xolo (2026): which should you pick?
As of Nov 13, 2026, Indy grades higher than Xolo: 2.6 against 2.2 out of 4.0.
Checked Nov 12, 2026 and Nov 13, 2026 · graded 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.
Indy
French bookkeeping and tax filing for freelancers and small firms
Xolo
Invoicing, accounting and compliance for solo business owners
Which one is for you
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 Xolo if
- Fits if you freelance abroad and want an Estonian company run for you
- Works for sellers who want invoices without registering a company
Look elsewhere if
- Pricey if you invoice a lot through Go, since 5.9% of everything adds up
- Skip it if you're not using Estonia, as Leap is built around its tax reporting
- Watch out: Leap starts at €59 a month excluding VAT and rises to €259 and up
- Watch out: early annual reports and late documents cost €200 each
- Not for you if you sell to consumers, because Go is for B2B services only
How we grade them
| 2.6GPAIndyGood | 2.2GPAXoloFair | |
|---|---|---|
| Value for money | 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. | CLeap starts at €59 a month excluding VAT, but that includes accountants doing your filings, so it's set against services rather than apps. Go costs 5.9% of what you invoice. |
| Free plan and trial | BEssentiel is €0 with e-invoicing, automated bookkeeping, unlimited quotes and invoices and a business account. Support there is email only. | CGo has no monthly fee, but takes 5.9% of everything you invoice. No trial for Leap. |
| Features | 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. | CInvoicing, company set-up, accounting and tax reporting. Leap is tied to Estonian companies and Go serves B2B services only. |
| Ease of use | CNo store rating on record. You connect your bank and set up your activity before it does the books. | CNo rating on record. The accountants do much of the work, but you still set up the company and links. |
| Platforms and integrations | BWeb, iOS and Android; no integrations on record. | BWeb only, with links to LHV, Wise, Revolut, Payoneer, Stripe, PayPal, Shopify and Amazon. |
| Best for | a French freelancer doing books and tax filing | freelancers running an Estonian e-Residency company |
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: Indy and Xolo. How we grade
Price against what you get
Indy starts at about $10.05 a month and scores 2.3 out of 4 on features, ease of use and platforms. Xolo starts at about $65.91 a month and scores 2.3.
They score the same, and Indy starts $55.86 a month lower. Of the other accounting and invoicing tools on the chart, 13 score higher than Indy for less, and 30 score higher than Xolo 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
At a glance
| Indy | Xolo | |
|---|---|---|
| Pricing | Free plan | Free plan |
| Starts at | €9 per month excl. VAT, billed annually (€12 billed monthly) | €59 per month (Xolo Leap Starter), excluding VAT |
| Free plan | Essentiel is €0: e-invoicing, automated bookkeeping, unlimited quotes and invoices and a business account with IBAN and card, with support by email. | Xolo Go has no monthly fee: you invoice without a company and pay a 5.9% flat-rate fee. |
| Free trial | None listed | None listed |
| Web | ||
| iOS | ||
| Android | ||
| Made by | Indy | Xolo OÜ |
| Price read from | indy.fr | xolo.io |
| Checked | Nov 12, 2026 | Nov 13, 2026 |
Worth knowing
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.
Xolo
- Prices are in euros and exclude VAT; Premium and the e-commerce add-on (€59 a month) vary with complexity.
- Leap is built around Estonian companies and Estonian tax reporting; Xolo also runs Spain and Italy products with separate pricing.
- Xolo Go serves B2B services only, and its 5.9% fee applies to what you invoice.
- Early annual report delivery and late documents cost €200 each, and the Pro promotion needs a minimum of 6 months.
Key features
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.
Xolo
- Invoicing without a company
- Xolo Go issues invoices with a VAT number under a partnership agreement and pays out to a personal bank account.
- Company registration
- Leap helps register an Estonian company remotely for e-Residency holders, and the site says registration can take one or two days.
- Accounting and tax reporting
- Accountants prepare monthly bookkeeping, Estonian VAT declarations, annual reports and income and social tax reporting on Leap plans.
- Invoices and recurring billing
- Invoices are created and sent from the Xolo Self Service portal, with recurring invoices, VAT checks against VIES and multi-currency billing.
- Expense handling
- Each company gets a unique email address to forward expense documents, which are digitized automatically.
- Bank and payment links
- Leap plans list integrations with LHV, Wise, Revolut, Wamo, Payoneer, Stripe and PayPal.
Plans
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).
Xolo
Xolo Go€0
per month, pay-as-you-go
Invoice without a company for a 5.9% flat-rate fee; B2B freelance and contracting services.
Leap Starter€59
per month, excluding VAT
Estonian company accounting; first 12 months or until revenue of €4,000. 50 sales and 20 purchases a month.
Leap Standard€99
per month, excluding VAT
Same service as Starter without the revenue limit; up to 50 sales and 20 purchases a month.
Leap Pro€139
per month, excluding VAT
Up to 500 sales a month, shareholders, OSS reporting and investment activities. Two months free on offer.
Leap Premium€259
per month and up
For complex companies: 500+ sales a month, 1 hour a month with a senior accountant and priority support.
Ways to pay less
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.
Xolo
- Other savings
Two months free on Leap Pro
The pricing page offers two months free on Pro, saving €278, if you use Leap for a minimum of 6 months; it then renews at the standard fee.
Common questions
Which is cheaper, Indy or Xolo?
As of Nov 13, 2026, Indy is cheaper to start with: about $10.05 a month, against about $65.91 a month for Xolo. Indy starts at €9 per month excl. VAT, billed annually (€12 billed monthly), and Xolo starts at €59 per month (Xolo Leap Starter), excluding VAT.
Which has a free plan, Indy or Xolo?
As of Nov 13, 2026, both Indy and Xolo have a free plan.
Which platforms do Indy and Xolo run on?
As of Nov 13, 2026, only Indy lists iOS and Android apps. Both list a web app. A platform missing from a listing is one its maker's pages did not mention.
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.