The Pennylane Insider’s Guide
Everything we know about Pennylane in one document: what it costs, its grades, getting a refund, getting help and what else to look at. Read it here, or keep a copy.
Pennylane
The Insider’s Guide
French accounting, invoicing and business account in one app
Every plan, grade, refund rule and rival among accounting and invoicing tools, read from Pennylane’s own pages.
Made by Pennylane · checked Nov 12, 2026 · toolgpa.com
Contents
- 01WelcomeWhat it is, who it suits, its grades and the ten things to know first
- 02What it costsEvery plan, the free plan, ways to pay less and how prices have moved
- 03What it doesIts main features, where it runs, what it works with and who makes it
- 04Where it standsIts grades against its category, and whether to keep it or make your own
- 05The alternativesThe tools it is most often weighed against, side by side
- 06Quick answersThe questions people ask about it, each answered in a line or two
- 07About ToolGPAWho made this guide, what else is on the site, and how to cite it
ToolGPA put this guide together from Pennylane’s own pages, its app-store listings and our grades. Every fact in it is on Pennylane’s page too, where it is kept up to date. Checked Nov 12, 2026.
Part 01 · Overview
Welcome
What it is, who it suits, its grades and the ten things to know first
2.0
GPA, above 11 of the 65 other accounting and invoicing tools we grade
Pennylane is a French finance platform that combines invoicing, expense tracking, a business account with cards, and accounting software for companies and their accountants. Its pricing page is in French and in euros, with plan tiers by company size. It positions itself as a registered e-invoicing platform for France's invoicing reform.
To get you started, here are 9 things to know about Pennylane, taken from its own pages and our grades.
It's a suite with a bank account to open, and the pages are in French.
- 1
Best for French accounting and a business account in one app
Pennylane is French accounting, invoicing and a business account in one app, from €7 a month.
- 2
Paid plans start at about $7.82 a month
As its pricing page puts it: €7 per month, excluding VAT (Starter, 1 user).
- 3
You can try it first
15-day free trial, no commitment
- 4
It runs on 3 platforms
Web, iOS and Android.
- 5
Invoicing and e-invoicing
Create and receive invoices in line with French e-invoicing rules; the pages state that every plan is compliant.
- 6
Pro account and cards
A business account with virtual, physical and one-time cards, supplier payments and automatic reconciliation of transactions.
- 7
Accounting module
The Premium plan adds accounting reports, automated entry rules, VAT and tax-return filing by EDI, and month-end closing.
- 8
A 2.0 GPA, above 11 of 65
That is against the other accounting and invoicing tools we grade, on value, the free plan, features, ease of use and platforms.
- 9
Keep it
To replace Pennylane 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.
Pennylane at a glance
- Pricing
- Free trial, from €7 per month, excluding VAT (Starter, 1 user)
- Free plan
- No
- Free trial
- 15-day free trial, no commitment
- Runs on
- Web, iOS, Android
- Made by
- Pennylane
- Category
- Accounting & Invoicing
- Our grade
- 2.0 GPA, fair
The report card
Best for French accounting and a business account in one app
Pennylane is French accounting, invoicing and a business account in one app, from €7 a month. The accounting module only arrives at Premium, €79 a month, every plan covers up to 1,200 invoices a year, and the pages and plans are in French for French companies.
| Subject | Grade | Comment |
|---|---|---|
| Value for money | D | €7 for Starter, which needs the Pro account active, and €24 for Essentiel. The accounting module and tax filing sit on Premium at €79 a month, about three times this category's middle. |
| Free plan and trial | C | A 15-day free trial with no commitment. No free plan. |
| Features | C | Invoicing, e-invoicing, a Pro account with cards, expense reports and cash forecast. Full accounting needs Premium, and the pages are aimed at French companies. |
| Ease of use | C | No store rating on record. It's a suite with a bank account to open, and the pages are in French. |
| Platforms and integrations | B | Web, iPhone and Android, with Qonto, GoCardless, Silae and HubSpot, and an API from Essentiel. |
An A is worth 4 points, a B 3, a C 2, a D 1 and an F nothing. The GPA is the average of the five.
Who Pennylane is for
- 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
Who it is not for
- 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
Good to know
Good for
- French freelancers and small companies that want invoicing and bank sync together
- Businesses that share their books with an external accountant
- Companies preparing for France's e-invoicing requirements
Worth knowing
- 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.
Part 02 · Pricing
What it costs
Every plan, the free plan, ways to pay less and how prices have moved
~$7.82
A month to start
Pennylane is a paid product with a free trial, starting at €7 per month, excluding VAT (Starter, 1 user).
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.
Custom
Custom
For multi-entity or complex companies: unlimited users, multi-level approvals and EBICS T payments; quote only.
Trying it first
15-day free trial, no commitment
Read from pennylane.com on Nov 12, 2026.
Ways to pay less
Other savings
Capital deposit for €1
A Pennylane subscription from €7 excluding VAT lowers the online capital deposit fee to €1 from €69.
Stated on pennylane.com
Part 03 · Features
What it does
Its main features, where it runs, what it works with and who makes it
3
Places it runs: Web, iOS and Android
French accounting, invoicing and business account in one app. Here is what it does, as its own site describes it, and what it covers: invoicing, reports, bookkeeping, expense tracking, bill pay, company cards.
Invoicing, e-invoicing, a Pro account with cards, expense reports and cash forecast.
- 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.
Where it runs
- Web
- iOS
- Android
What it works with
- Qonto
- GoCardless
- Silae
- HubSpot
- Organilog
Pennylane is made by Pennylane.
Part 04 · Standing
Where it stands
Its grades against its category, and whether to keep it or make your own
11/65
Other accounting and invoicing tools it is graded above
Pennylane's GPA of 2.0 is higher than 11 of the 65 other accounting and invoicing tools we grade, and level with 10.
It stands best on platforms and integrations (B, above 13 of 65) and worst on value for money (D, above 0).
Its paid plans start at about $7.82 a month, against a middle price of $18.09 for the category: 10 of the 54 others that charge start lower.
On features, ease of use and platforms it scores 2.3 out of 4. 4 tools score higher and cost less.
Each grade against the category
Every bar is all 66 accounting and invoicing tools we grade, cut by the letter each got. Pennylane’s own letter is outlined.
- DValue for moneyAbove 0 of 65
- CFree plan and trialAbove 15 of 65
- CFeaturesAbove 4 of 65
- CEase of useAbove 1 of 65
- BPlatforms and integrationsAbove 13 of 65
Price against what you get
Each dot is one of 58 accounting and invoicing tools. Further left costs less; higher up scores better on features, ease of use and platforms. Pennylane is the marked dot.
What paid plans start at, a month (each step along is roughly double) →
Keep it, or make your own?
Whether this is something you could build for yourself with an AI app builder, and what you would give up.
Keep it
To replace Pennylane 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.
That makes this kind of software worth paying for, not this one in particular: 44 of the 65 other accounting and invoicing tools grade higher. It costs $93.84 a year.
What you could make
- Invoicing, expense tracking and reports: an app builder makes these well.
What you could not
- Live feeds from your bank, which take an agreement with each bank or a service that has them.
- Cards issued through a bank.
- Money moved between bank accounts, which takes a licensed payments partner.
- A real app for iOS and Android. Something home-made would be a web page.
- It plugs into other products, Qonto, GoCardless and Silae among them.
What this rests on. Pennylane’s listing: what it does, where it runs, what it plugs into and what it costs. It is a judgement about the kind of software this is. We have not built a replacement for it, and making your own means looking after it too. How we decide, and every tool’s verdict.
Part 05 · Alternatives
The alternatives
The tools it is most often weighed against, side by side
Holded, Xero, Dext, Zoho Books and Sevdesk
The 5 tools Pennylane is most often weighed against, with where each one differs from it.
- 2.2GPA
Holded
Free plan · from €19/mo
Cloud business management with invoicing, accounting and inventory.
- Holded has a free plan. Pennylane does not, though it has a free trial.
- Pennylane also covers reports, bill pay and company cards.
- Holded also covers sales pipeline and inventory.
- 2.6GPA
Xero
Free trial · from $27/mo
Cloud accounting for small businesses, with unlimited users.
- Pennylane also covers bill pay and company cards.
- Xero also covers payroll.
- 2.4GPA
Dext
Free trial · from $25.21/mo
Receipt and invoice capture that codes documents for your ledger.
- Only Dext lists a browser extension.
- Pennylane also covers invoicing, reports, bill pay and company cards.
- 3.4GPA
Zoho Books
Free plan · from $15/mo
Online accounting from Zoho, with a free plan and six paid tiers.
- Zoho Books has a free plan. Pennylane does not, though it has a free trial.
- Only Zoho Books lists a Windows app.
- Pennylane also covers bill pay and company cards.
- 2.2GPA
Sevdesk
Free plan · from €12.90/mo
German online accounting and e-invoicing with a free plan.
- Sevdesk has a free plan. Pennylane does not, though it has a free trial.
- Pennylane also covers bill pay and company cards.
- Sevdesk also covers quotes and estimates.
Part 06 · Questions
Quick answers
The questions people ask about it, each answered in a line or two
13
Questions, each answered in a line or two
The short version of everything above, for when you only need the answer. Each one is told in full in its part of the guide.
Is Pennylane free?
No, Pennylane is a paid product, but you can try it first. 15-day free trial, no commitment.
How much does Pennylane cost?
Pennylane lists 5 plans. Starter: €7 per month, excluding VAT, 1 user.
What platforms does Pennylane work on?
Pennylane is available on Web, iOS and Android.
Does Pennylane offer any discounts?
Pennylane publicly lists the following: Capital deposit for €1.
Does Pennylane have a Windows app?
No Windows app was listed when its pages were read on Nov 12, 2026. Pennylane is listed for Web, iOS and Android.
Does Pennylane have a macOS app?
No macOS app was listed when its pages were read on Nov 12, 2026. Pennylane is listed for Web, iOS and Android.
Is Pennylane open source?
Pennylane is not described as open source on its own site, as read on Nov 12, 2026.
What does Pennylane integrate with?
Pennylane's listing names Qonto, GoCardless, Silae, HubSpot and Organilog.
Who makes Pennylane?
Pennylane is made by a company of the same name.
What are the alternatives to Pennylane?
The closest alternatives to Pennylane in our directory are Holded, Xero, Dext, Zoho Books and Sevdesk.
How does Pennylane compare with other accounting and invoicing tools?
Pennylane's GPA of 2.0 is higher than 11 of the 65 other accounting and invoicing tools we grade, and level with 10.
Is Pennylane good value for money?
ToolGPA grades Pennylane D for value for money. Its paid plans start at about $7.82 a month, against a middle price of $18.09 for the category: 10 of the 54 others that charge start lower.
Could I make my own version of Pennylane?
To replace Pennylane you would be making live feeds from your bank, which take an agreement with each bank or a service that has them.
Where this guide comes from
The prices, plans, platforms and features were read from Pennylane’s own pages on Nov 12, 2026, and the grades were given on Nov 12, 2026. Graded from this listing, whose facts were read from Pennylane's own pages on 12 November 2026. Not based on using the product, and shorter than our full reviews.
Every tool we list gets five grades, A to F, each with its reason, and a GPA that averages them. How each is decided is at toolgpa.com/grades. This guide is ToolGPA’s own work; it is not made, paid for or approved by Pennylane. Prices change, so check pennylane.com before you buy.
Part 07 · About
About ToolGPA
Who made this guide, what else is on the site, and how to cite it
5,038
Tools graded, in 95 categories
ToolGPA grades software the way a school report grades a pupil: five subjects, a letter for each with the reason written beside it, and a GPA that averages them. Prices, plans and platforms are read from each maker’s own pages and dated, so you always know how fresh a figure is.
Every grade, review and ranking on ToolGPA is our own judgement. No company can pay for a grade or change one. Every tool on the site has a guide like this one, free to download and pass on. It all lives at toolgpa.com.
5,038
tools graded
95
categories
739
price changes on record
579
apps priced in 12 countries
What else is on toolgpa.com
- Pennylane, kept up to dateEverything in this guide, with prices and grades as they are todaytoolgpa.com/tools/pennylane
- How grades are givenThe rules behind every letter and every GPAtoolgpa.com/grades
- Value chartsWhat each tool costs against what it scores, for every categorytoolgpa.com/charts
- CompareAny two tools side by side, plan by plantoolgpa.com/compare
- Price changesEvery price rise and cut on record, each with its sourcetoolgpa.com/price-changes
- Prices by countryWhat apps cost on the App Store in 12 countriestoolgpa.com/prices-by-country
- Pay lessEvery public discount: yearly billing, students, nonprofitstoolgpa.com/save
- Keep or makeWhich tools are worth paying for, and which you could build yourselftoolgpa.com/keep-or-make
Scan for the live page
Prices and grades as they are today
Quoting this guide?
Please name ToolGPA and link to the live page, so readers can check the figures for themselves:
ToolGPA, "Pennylane: The Insider's Guide", checked Nov 12, 2026. https://toolgpa.com/tools/pennylane
Know someone choosing between accounting and invoicing tools?
Send them this guide: toolgpa.com/tools/pennylane/guide
ToolGPA elsewhere: youtube.com/@toolgpa
See our other guides
The best-graded accounting and invoicing tools after Pennylane, each with an Insider's Guide of its own.
- Accounting & Invoicing Insider's GuideEvery one of the 67 accounting and invoicing tools we grade, compared
- Zoho Invoice Insider's GuideFree invoicing app from Zoho for freelancers and small businesses3.6 GPA
- Zoho Books Insider's GuideOnline accounting from Zoho, with a free plan and six paid tiers3.4 GPA
- Odoo Insider's GuideBusiness app suite whose Accounting app is free when used on its own3.2 GPA
Choosing software? Every tool graded, every price dated.
Compare tools at toolgpa.com ›Everything in this guide is ToolGPA’s own summary of what Pennylane’s pages, its app-store listings and public reviews said on the dates shown. Grades are our judgement under the rules at toolgpa.com/grades. Every grade, review and ranking on ToolGPA is our own judgement. No company can pay for a grade or change one. Pennylane is a trademark of its owner, and this guide is not made, paid for or approved by Pennylane. Prices and plans change: check pennylane.com before you buy.