Indy free, Plus or Autonomie: which offer should you choose?

Essentiel: check data export before importing everything

Documentation Free and paid states that Essentiel synchronises a single bank account. The period retrieved depends on the history available when connecting. It also distinguishes preparing the accounting entries file, or FEC, from exporting it, which requires a paid plan. Finally, invoicing features are currently excluded for SCI and LMNP.

The practical consequence is important if you are already working with a firm: ask what file it is waiting for before moving your credentials. Check that the export in the agreed format is included in your offer, beyond consulting transactions. This verification must be done at the beginning, when changing organization remains simple, rather than when closing.

For a business getting started, prepare a small set of documents: a quote, a paid invoice, an expense and a credit note. Examine numbering, reconciliation and retrieval of supporting documents. If this workflow meets your needs without paid exports or a second synchronised account, keep the free plan until a concrete limitation justifies upgrading.

Plus: Pay for a workflow, not for a list of functions

The Plus pricing details lists 108 € excluding VAT with annual payment, equivalent to 9 € excluding VAT per month, or 12 € excluding VAT when paying monthly. It states that this price is shared by the regimes it lists. Upgrading from Plus to Autonomie remains possible after an eligibility check, with a billing adjustment shown at the time of the change.

The transition to Plus can be justified by a repetitive problem: recovering the signature of the quotes or following late invoices. Aid on reminders for unpaid invoices reserves their automation for Plus and Autonomie. It describes choosing recipients, the first send and repetition, with a maximum of six reminders; a change to paid or cancelled status stops the process.

Before automating, check who keeps payment records up to date. A scheduled reminder may be inappropriate if a transfer has arrived but the invoice has not been reconciled, or if you granted the customer a special extension. Your trial must therefore include a received payment and an agreed deferral, rather than only creating a reminder. The aim is more reliable tracking of amounts due and next actions.

Also avoid buying Autonomie solely for these reminders: they are already documented at the Plus level. The next question is separate: do you need the tool to handle some of your returns?

Since 7 October 2026, Indy has called its former Premium plan Autonomie. Renaming it does not turn a software subscription into an accountancy engagement.

Autonomie: the same name does not mean the same tax requirements

The official grid separates auto-entrepreneur, sole trader, property and company profiles. The Autonomie price for a micro-enterprise must therefore not be applied to a SASU. In the auto-entrepreneur profile checked, the plan is listed at 180 € excluding VAT per year, equivalent to 15 € excluding VAT per month with annual payment, or 19 € excluding VAT per month with monthly payment, excluding promotions. Other profiles have their own prices and scope.

The help centre distinguishes tax filings by regime: Urssaf turnover declarations for auto-entrepreneur businesses, documents specific to BNC, or the tax return package and accounts of a company subject to IS. Use these lists to ask support a precise question: "Are my activity and tax regime covered for this filing and financial year?" Ask for confirmation for your regime and the relevant filing and financial year.

For a business combining several income sources, also explain the details that make your situation different: multiple activities, international transactions or a change of tax regime. Do not buy an annual subscription before checking these points. The existence of a free account does not establish eligibility for the entire Autonomie workflow.

Review by a chartered accountant is another scope of service. If you want someone to review your choices and undertake an advisory engagement, ask what that engagement includes and what it costs. A return prepared by software and records reviewed by a professional meet different needs.

Sérénité or Exclusivité: delegate your returns

In the company pricing table, Sérénité assigns returns and the balance sheet to a partner accounting firm: 1 188 € excluding VAT/year, equivalent to 99 € excluding VAT/month, or 119 € excluding VAT with monthly payment. Exclusivité adds a dedicated chartered accountant, telephone and video discussions and a meeting before the financial year end: 1 788 € excluding VAT/year, equivalent to 149 € excluding VAT/month, or 179 € excluding VAT with monthly payment. These are not micro-enterprise prices and do not necessarily include every additional service. Check the accounting firm's contractual scope.

Autonomie mentions a tax guarantee and, for companies subject to IS, optimisation suggestions. A guarantee does not remove the need to provide accurate information: ask for its terms, exclusions and coverage arrangements before relying on it.

Compare twelve months with the same scope

Historical record: the table, chart and CSV below retain the name Premium used on 28 September. This plan is now called Autonomie; the micro-enterprise prices of 180 € excluding VAT/year or 19 € excluding VAT/month are still shown in the pricing table dated 7 October 2026.

Here is a Logicelio calculation for a micro-enterprise, using prices recorded on 28 September 2026. The amounts exclude taxes, promotions, optional extras and transaction fees. The monthly-payment total assumes twelve full months at the same price. This is neither a currency conversion nor a personalised quotation.

For this profile, Premium therefore costs 72 € excluding VAT more per year than Plus when both are paid annually. This extra cost is justified only if you use its additional scope. Compare it with the work you will remain responsible for, without attributing time savings to automation that you have not observed.

Length of use also changes the result: for only six months, Plus paid monthly costs 72 € excluding VAT, compared with 108 € excluding VAT for the year. A discount expressed as a monthly equivalent may therefore cost more if you stop using the tool soon. Keep your budget separate from the contract's cancellation terms.

Three situations to choose without overequipped activity

A claimant starts with a few invoices

Consider this example: the person issues invoices, monitors an account and handles other administrative tasks elsewhere. They start with Essentiel and note any difficulties. They move to Plus only if a specific need arises, such as an export requested by their accounting firm. Even with few invoices, an unusual transaction may require professional advice.

Independent regularly sends quotes

Consider this case: her main problem is collecting signatures and tracking deadlines. She compares Plus with her current setup on a few records, then checks how to stop a reminder. She assesses Autonomie separately, listing the returns she wants to prepare there. The decision should focus on the process to improve, rather than a “popular” badge on a pricing table.

A manager wants to delegate accounting validation

Consider this case: he wants a review of his accounting entries and a contact for difficult decisions. He requests a proposal separating software, review, advice and services outside the scope. If he already works with an accounting firm, he first organises document sharing with it. The comparative Indy and Tiime helps to examine this articulation; comparative Pennylane and Indy approaches a more collaborative accounting organization.

Annual, termination and documents: preparing the exit before entry

The termination page Indy indicates that a cancelled annual subscription is not normally refunded for the remaining period. It provides an exception for new customers who terminate during the first month. However, it contains different formulations on the timing of the switch to free and the end of access to functions. Have this calendar confirmed before cancelling, especially if a fence remains to be corrected.

Keep your exports and supporting documents before changing your subscription. Also check the price that will apply after a promotion and the amount charged when you sign up. These are three different questions: how much the plan costs, when the money is debited and which features will remain accessible after cancellation.

Our rule of choice: retain the lowest level that covers the necessary operations and allows the expected documents to be recovered. To also compare the role of the professional account, continue with Indy, Tiime and Qonto. The contract and summary displayed before payment remain to be checked for your situation.

Moving from choice of offer to daily operations

To prepare your organization, our guides detail the deposit and credit-note workflow, Diagnosis of missing banking operations, transmission of the accounting record and the costs and limits of the business account. They address concrete tasks, to be confronted with the scope of your subscription.