Indy: our review

Indy targets independent professionals — sole traders, the self-employed, freelancers, craftspeople — and small companies that want to handle invoicing, pre-accounting and tax filings without juggling three tools. The vendor claims more than 400,000 users and offers a free tier, which sets it apart from the outset from classic accounting software billed from the first euro.

What it actually does

A self-employed person starts on the free Essentiel tier: unlimited invoices and quotes, compliant e-invoicing, bank sync, and an AI that automatically recognises and sorts more than 90% of transactions into the right accounting category. The Plus tier, at €12/month excluding tax, adds electronic signature for quotes and automatic chasing of unpaid invoices. The Premium tier, whose price varies by legal status — from €15/month for a micro-enterprise to €49/month for a company or a sole proprietorship taxed as a company (IS) — adds the mandatory tax filings submitted electronically: VAT, balance sheet, DAS2. An accountant add-on, from €39/month, hands the bookkeeping to a partner firm while keeping real-time access.

Why it interests us

E-invoicing becomes mandatory in stages from September 2026, and Indy includes it free from the Essentiel tier, presenting itself as a platform accredited and registered with the DGFiP. That's a concrete argument for an independent professional who wants to avoid paying for a dedicated tool just to stay compliant. On the actual AI content, Indy remains first and foremost management software: the AI layer is limited to categorising bank transactions and extracting data from photographed receipts — two useful tasks, far from a full financial assistant. See our page AI for accounting firms to place this kind of tool against a traditional practice.

Where it falls short

Three caveats before picking a tier. First, the mandatory tax filings — the core of real accounting — exist only on the Premium tier, whose price climbs fast depending on status: a SASU manager will pay more than three times what a self-employed person pays for the same feature. Second, data hosting: the privacy policy mentions "physical protection of the storage environment" without naming the country or the provider, which rules out claiming European hosting despite what some third-party comparison sites show. Finally, no page we consulted specifies whether submitted data is used, even indirectly, to train an AI model: the question remains open.

Our recommendation

For an independent professional starting out who wants compliant invoicing at no cost, the free tier is more than enough. For a company that needs automated tax filings, compare the Premium price for your own legal status before deciding, and ask in writing for the exact hosting location if your clients require it.