# Indy review (2026): is the free plan enough?

> French bookkeeping and tax filing for freelancers and small firms

Checked Nov 12, 2026 · graded Nov 13, 2026 by ToolGPA.

Indy is accounting software for self-employed people, micro-entrepreneurs, property companies and small companies in France, run from a browser and a mobile app. It syncs bank accounts, categorizes transactions and produces French tax filings, with plans that step up to an accountant who prepares the return. The site is in French, and prices depend on the legal form of the business.

- **Category:** Accounting & Invoicing
- **Made by:** Indy (since 2016)
- **Website:** https://www.indy.fr
- **Runs on:** Web, iOS, Android
- **Who should skip it:** Not for you if you work outside France, as the product and pages are built around French tax forms.
- **Facts last checked:** Nov 12, 2026

## Pricing

As of Nov 12, 2026, Indy has a free plan, and paid plans start at €9 per month excl. VAT, billed annually (€12 billed monthly).

- **Pricing model:** Free plan
- **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.
- **Free trial:** None listed.

| Plan | Price | What you get |
| --- | --- | --- |
| 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). |

Read from https://www.indy.fr/prix/ on Nov 12, 2026. Prices change, so confirm with Indy before buying.

## Ways to pay less

- **Annual billing is cheaper than monthly** (Annual discount): Each paid plan lists a yearly price against a higher monthly one, for example Plus at €108 a year or €12 a month. Source: https://www.indy.fr/prix/

## Key features

- **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.

## Good for

- Micro-entrepreneurs and freelancers in France
- Small property companies (SCI, LMNP)
- Owners of an SASU or SARL who want filings done in the app

## Worth knowing

- 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.

## ToolGPA grades

**GPA: 2.6 out of 4**, graded Nov 13, 2026. Indy is bookkeeping and tax filing for freelancers and small firms in France, with a free Essentiel plan and paid ones from €9 a month excluding VAT. The pages are in French only and the tax filings sit on dearer plans, so it is for people working under French rules.

- **Value for money: B.** Plus 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: B.** Essentiel is €0 with e-invoicing, automated bookkeeping, unlimited quotes and invoices and a business account. Support there is email only.
- **Features: C.** Bank 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: C.** No store rating on record. You connect your bank and set up your activity before it does the books.
- **Platforms and integrations: B.** Web, iOS and Android; no integrations on record.

These are ToolGPA's own grades. Graded from this listing, whose facts were read from Indy's own pages on 12 November 2026. Not based on using the product, and shorter than our full reviews.

## Where it stands among accounting and invoicing tools

- Indy's GPA of 2.6 is higher than 49 of the 65 other accounting and invoicing tools we grade, and level with 6.
- It stands best on free plan and trial (B, above 50 of 65) and worst on ease of use (C, above 1).
- Its paid plans start at about $10.05 a month, against a middle price of $18.09 for the category: 18 of the 54 others that charge start lower.
- On features, ease of use and platforms it scores 2.3 out of 4. 5 tools score higher and cost less.

The category's chart of price against score: https://toolgpa.com/charts/accounting

## Keep it, or make your own?

**Keep it.** To replace Indy you would be making live feeds from your bank, which take an agreement with each bank or a service that has them. That is not a weekend's work, with an AI app builder or without one. It is one of the better ones too: its GPA of 2.6 is higher than 49 of the 65 other accounting and invoicing tools we grade. It costs $120.66 a year.

- You could make: Invoicing and expense tracking: an app builder makes these well.
- You could not: Live feeds from your bank, which take an agreement with each bank or a service that has them.
- You could not: A real app for iOS and Android. Something home-made would be a web page.
- You could not: AI features, unless you pay a model provider for each request yourself.

A judgement by ToolGPA from this listing, by rules that are the same for every tool. Nothing was built to test it.

**Tags:** Bookkeeping, Invoicing, Expense tracking, AI features

## Alternatives

- [Pennylane](https://toolgpa.com/tools/pennylane): French accounting, invoicing and business account in one app. [Compare](https://toolgpa.com/compare/indy-vs-pennylane)
- [Holded](https://toolgpa.com/tools/holded): Cloud business management with invoicing, accounting and inventory. [Compare](https://toolgpa.com/compare/holded-vs-indy)
- [Moneybird](https://toolgpa.com/tools/moneybird): Online accounting for freelancers and small businesses in Europe. [Compare](https://toolgpa.com/compare/indy-vs-moneybird)
- [Zoho Books](https://toolgpa.com/tools/zoho-books): Online accounting from Zoho, with a free plan and six paid tiers. [Compare](https://toolgpa.com/compare/indy-vs-zoho-books)

## Sources

The prices, plans, platforms and features above were read from these pages on Nov 12, 2026:

- https://www.indy.fr/prix/
- https://www.indy.fr/a-propos/
- https://www.indy.fr/mentions-legales/

Page: https://toolgpa.com/tools/indy
Listed by ToolGPA (toolgpa.com).