Guide: Indy as a tool — bank, plans and declarations
This guide is informational. It explains how the tool works and helps you decide whether you need it. It is not legal, tax or accounting advice.
What you will get
- what Indy actually does for you after registration, and what still has to be done by hand
- how bank synchronisation works and why 10% of transactions escape it
- how the three plans differ and where the free one stops
- which declarations go out in one click, and which do not go out at all
- at what point the service stops replacing an accountant
On registering through Indy itself we have a separate guide, and on the duty to receive electronic invoices from 1 September 2026 a separate news item. This one is about what comes next: once the SIRET is issued and the books have to be kept.
Bank synchronisation: where the automation stops
The core of the service is the bank connection. Indy links to more than 200 banks in France and Europe under the European PSD2 standard and pulls transactions in on its own, with no manual statement exports.
Then comes the sorting: money in from a client is marked as income, a purchase as an expense. Once you have categorised a transaction, the service handles similar ones itself. By Indy’s own figures, around 90% of transactions are sorted automatically.
The remaining 10% are your job, and it helps to know in advance what ends up there:
- transactions whose payment description says nothing about what they were;
- anything paid with a personal card rather than the business account — those expenses are entered by hand;
- mixed and unusual payments, where the service will not decide for you.
So “automated accounting” here means not “zero attention” but “ten minutes a month instead of an evening with bank statements”. That is a real difference, but it is not the same thing as an accountant.
Three plans, and where free ends
Indy has a separate pricing grid for micro-entrepreneurs, not the one used for companies. The main fork is declarations: invoicing is free at all times, automatic filing of declarations is not.
Essentiel
€0 / month
- unlimited invoices and quotes
- automated bookkeeping
- electronic invoicing
- business account, optional
No declarations included — URSSAF and VAT stay with you.
Plus
from €9 / month excl. VAT
- everything in Essentiel
- electronic signature on quotes
- automatic reminders for unpaid invoices
- turnover threshold tracking
Still no declarations. This plan is about client work, not about filing.
Premium
from €15 / month excl. VAT
- everything in Plus
- one-click turnover declaration to URSSAF
- VAT return filed with the tax office
- income and purchase ledgers
- help with the annual return
The only plan that genuinely takes filing off your hands. €180 a year if paid annually.
Practical conclusion: if you want a free way to invoice and keep books, Essentiel is enough. If you want declarations to go out by themselves, there is no free route, and it costs about €180 a year.
What actually goes out in one click
On Premium the service works out turnover and contributions from your transactions and files the declaration electronically — with URSSAF and, if you are VAT-registered, with the tax office. You choose the frequency: monthly, quarterly, or annually for VAT. It also picks up VAT rates on income and expenses so you do not enter them by hand.
What it does not do: it does not resolve disputed questions for you, does not answer to the tax office, and does not replace your signature. You file the declaration, and responsibility for the figures stays with you. The saving is on data entry, not on understanding.
Separately: Indy offers to add a real partner accountant, from €39–59 a month. That is a different service at a different price level — comparing it with €15 for automation would be misleading.
Who the free plan is enough for, and who it is not
Free is enough if: you are a micro-entreprise without VAT, you issue a few invoices a month, your turnover is far from the thresholds, and filing with URSSAF once a quarter is no burden. Through the URSSAF account it takes five minutes, and paying to save those five minutes makes no sense.
Paid is justified if: you are VAT-registered and file regularly; you have enough transactions that manual reconciliation eats time; your turnover is approaching thresholds that need watching; or you simply know you forget deadlines — in which case €15 a month buys not time but the absence of a late-filing penalty.
Where the service stops replacing an accountant
Automation works well where the situation is standard. Going to an expert-comptable is worth it if: your activity is mixed and you need to know exactly which turnover falls under which threshold; you are moving from micro to another regime or to a company; you have taken on staff; you have transactions with foreign clients and cross-border VAT questions. No service answers those — it calculates by the rules you gave it. Some of those topics — the customs declaration for an EU client, or the VAT you have to self-assess on Google advertising — are covered in our guide to micro-entrepreneur surprises.
And a general remark that applies to any tool of this kind: it does not relieve you of the duty to understand how your taxes work. It relieves you of the data entry. Those are different things, and you should not buy the second hoping to get the first.
Rules and amounts in France change, and service pricing changes faster still. As of publication, 8 August 2026, the information matched the official sources and Indy’s own pricing page, both linked in the text. Webinkub is not liable for changes or for decisions taken on the basis of this material. If your case is unusual, consult an expert-comptable.
Get in touch
Not sure whether you need a paid plan?
Tell me how many transactions you have a month and whether you are VAT-registered. I will tell you whether free is enough.
Want support from the start?
Mentoring covers the whole path: from registration to filing obligations and choosing your tools.
This text contains an affiliate link to Indy. If you sign up through it, Webinkub may receive a commission — it does not change your price. The service is in this guide because we analysed it on the merits, not because it has an affiliate programme.