Indy, Abby or Tiime: which to choose as a micro-entrepreneur in France
The short answer. No single app is best for everyone. Three questions decide it: do you want to file your URSSAF declaration from the app, do you need documents in another language and currency, and are you willing to pay a year upfront?
This article is for information only and does not replace advice from an accountant. The right choice depends on your activity and your clients. Prices, contracts and ratings were checked on 6 November 2026; I tested Abby and Tiime myself in October 2026, and Indy is covered in separate guides. The end of the article says which links are referral links.
First: you may not need to pay at all
You can file your URSSAF declaration for free on autoentrepreneur.urssaf.fr, and all three services have a free plan with invoicing. If you have a couple of clients and one bank, the free plan may be enough. What is worth paying for is whatever saves you time: sorting bank transactions, reminders, filing declarations from one app.
What to choose
| Your situation | What fits | Why |
|---|---|---|
| I only need free invoices, including in English | Tiime Free | French plus five more document languages at no cost; you file declarations yourself |
| I want to file with URSSAF from the app as cheaply as possible among these three | Abby Start | €9/month, but no bank and no VAT return; direct debit of contributions does not work with a foreign IBAN or a neobank IBAN |
| I want URSSAF, VAT and bank together | Indy Autonomie or Abby Pro | Indy €180 paid yearly, Abby Pro €180 paid monthly, with up to 20% off promised for yearly billing. Abby Pro has one bank account, Indy up to 12. I could not find out whether Abby files the VAT return itself or only prepares it |
| Several bank accounts, but I file declarations myself | Indy Plus | €108 paid yearly (€12 monthly, so €144), up to 12 accounts; Abby only allows unlimited accounts on Business, and Tiime Smart costs €215.88 |
| Invoices in dollars or another currency | Abby Business | €33/month; Indy does not allow such an invoice, and I found no multi-currency option in Tiime |
| I want to practise first | Abby | Test mode: documents are not sent and do not use up numbers |
Comparison
Prices exclude VAT (TVA). If you are under the franchise en base (the small-business VAT exemption) and do not charge VAT, you cannot reclaim the VAT on the subscription, so your real cost is 20% higher: €9 becomes €10.80. The VAT return row only matters if you charge VAT: under the franchise en base there is usually no standard VAT return; the exceptions are in our guide on surprises.
| Indy | Abby | Tiime | |
|---|---|---|---|
| Monthly prices | €0 / €12 / €19 | €0 / €9 / €15 / €33 | €0 / €9.99 / €17.99 / €24.99 |
| Cheapest paid plan per year | €108 paid yearly | €108 paid monthly | €119.88, Tiime account required |
| How you pay | monthly or yearly (yearly is cheaper) | monthly or yearly | one year upfront only |
| URSSAF declaration in the app | from Autonomie, €19/month or €180/year | from Start, €9/month | not yet, promised |
| VAT return | from Autonomie | from Pro, as advertised | not listed on any plan |
| Income ledger | automatic bookkeeping advertised on all plans | all plans | manual entries on the free plan |
| Interface language | not checked | French, no switch found | not checked |
| Bank | up to 12 accounts from Plus | 1 account on Pro, unlimited on Business | unlimited from Smart |
| Recurring invoices | from Plus | from Pro | yes, plan not stated |
| Documents in other languages | not confirmed | Business only | free, French plus 5 more |
| Other currency on invoices | no | Business only | not found |
| Service logo on the free plan | not checked | yes, removed from Start | yes, removed on paid plans |
| Test mode | not checked | yes | no, drafts only |
| Default VAT at setup | not checked | asks your status | sets 20% straight away |
| Import from another app | not checked | clients only | clients only |
| On the official list of e-invoicing platforms | yes, since 9 Jan 2026 | yes, since 29 Jan 2026 | yes, since 18 Dec 2025 |
| Trustpilot, 6 Nov 2026 | 4.8 (16,189) | 4.3 (661) | 4.5 (672) |
Platform dates are from the DGFiP list. Pricing: Indy (referral link), Abby, Tiime. Abby had a −10% promotion on the date I checked; the table shows standard prices.
Contracts: what happens if something goes wrong
| Indy, 7 Oct 2026 | Abby, 27 Aug 2026 | Tiime, 1 Oct 2026 | |
|---|---|---|---|
| Main risk | You cannot pay just for the months you declare and pause the subscription in between (art. 4) | Penalty of 75% of the debt, minimum €500 excluding VAT (art. 5.1.1, 5.2) | Forget to cancel and you pay another year, no refund (art. 18.1) |
| Late payment | 15 days’ notice; after 30 days, immediate collection, €40, account blocked | Three times the legal rate, €40, penalty; blocked 8 days after a formal demand | Immediate suspension and termination; ECB rate +10 points, €40 |
| Price rises | At renewal, with 30 days’ notice | Indexed to SYNTEC (IT and consulting index) on 1 January without notice | 60 days’ notice, 30 days to cancel |
| Your data when you leave | 30 days on request | CSV for 30 days, only if requested when cancelling | Export at any time; deleted without warning on termination |
| Inactivity | No clause | Deleted after 24 months | Deleted after 12 months, with 30 days’ email notice |
| Court | Lyon | Paris | Paris |
One rule for all three: export your data before cancelling and keep your own copies. Documents must be kept for 10 years, Abby and Tiime may delete an inactive account, and after cancellation your data is available only briefly with all three, or not at all.
Each one in brief
Indy. The highest Trustpilot rating of the three. URSSAF declarations are only on the top plan, but several bank accounts are already available on Plus. Not suitable for invoices in a foreign currency. More detail in our guides on Indy as a tool and on registering through Indy.
Abby. The cheapest of the three if you want to file with URSSAF from the app, and an easy start thanks to test mode. The downsides are the harshest contract and the fact that languages and currency are only on the expensive Business plan. Full walkthrough: Abby guide.
Tiime. Of the three, the only one where invoices in a foreign language are confirmed to be free. The downsides are no URSSAF declaration, 20% VAT by default and paid plans billed only yearly. Full walkthrough: Tiime guide.
Others worth a look
I did not test these services; the information comes from their own pages.
- Solo: plans at €0 / €12 / €19.90 / €34.90 excluding VAT, URSSAF declaration advertised even on the free Start plan, and the platform is on the official list. It looks like a direct competitor; I did not check the contract.
- Freebe: around €150 a year including VAT, monthly billing available, pre-filled URSSAF declaration, aimed at services. It is not on the official list of platforms, so check how it handles e-invoicing.
- Shine and Qonto are banks first and foremost, so they are not compared here. Banks are a separate topic.
How to choose in one evening
- Write down what you need: invoice language, currency, number of bank accounts, declarations.
- Start with the free plan, without mandates (permissions for the service to act on your behalf or debit your account) and without activating e-invoicing. Only start a Tiime paid trial once you have noted the date you will be charged.
- Make a draft invoice for your typical client, or a document in test mode; do not issue a real invoice. Check the mandatory mentions against our guide on your first invoice.
- Before paying, read the cancellation section of the contract and set a reminder for the renewal date.
Referral links
Three links here are referral links: sign up with Indy, the Indy pricing link in the comparison section, and sign up with Abby. If you sign up through them and pay for a subscription, with Indy we each get a free month, and with Abby you get a free month or 10% off a yearly plan on Start or Pro, while I get credit towards my own subscription. I receive no money, and this does not affect the conclusions in the tables. All other links are ordinary links; there is no referral link for Tiime.
Rules, prices and terms change. This information is correct as of 6 November 2026 and was checked against the sources linked in the text. Webinkub is not responsible for later changes or for decisions made on the basis of this article. Check the service’s website before you pay, and if your situation is unusual, talk to an expert-comptable.
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