Indy vs Zoho Books Comparison
Compare Indy vs Zoho Books features, pricing, and more.
Last updated: November 2026
Indy
6.2/10
French accounting app with a free business account, invoicing, and automated tax filings for freelancers, sole traders, small companies, and property holders.
Zoho Books
7/10
Cloud accounting software from Zoho for small and growing businesses, covering invoicing, bank reconciliation, bills, inventory and financial reporting.
Feature-by-Feature Comparison
| Feature | | |
|---|---|---|
| Scores | ||
| Overall Rating | 6.2/10 | 7/10 |
| Analytics | 5/10 | 7/10 |
| Compliance | 8/10 | 7/10 |
| Cost | 9/10 | 8/10 |
| Customization | 4/10 | 8/10 |
| Ease of Use | 8/10 | 7/10 |
| Integration | 3/10 | 7/10 |
| Scalability | 3/10 | 6/10 |
| Security | 6/10 | 7/10 |
| Support | 7/10 | 5/10 |
| Pricing | ||
| Free plan | Yes | Yes |
| Cheapest paid plan | €59/mo Autonomie (SAS, SASU, SARL, EURL) | $20/mo Standard |
| Estimated cost for 10 users | Free Essentiel | $70/mo Premium |
| Features | ||
| Accountant Access | ||
| Bank Reconciliation | ||
| Financial Reporting | ||
| General Ledger | ||
| Invoicing | ||
| Online Payments | ||
| Tax Compliance | ||
| Accounts Payable | Not listed | |
| Audit Trail | Not listed | |
| Budgeting and Forecasting | Not listed | |
| Corporate Cards | Not listed | |
| Expense Management | Not listed | |
| Inventory Accounting | Not listed | |
| Multi-currency | Not listed | |
| Payroll | Not listed | |
Indy vs Zoho Books cost by team size
| Team size | Indy | Zoho Books |
|---|---|---|
| 1 user | FreeEssentiel | FreeFree |
| 5 users | FreeEssentiel | $50/moProfessional |
| 10 users | FreeEssentiel | $70/moPremium |
| 25 users | FreeEssentiel | FreeFree |
| 50 users | FreeEssentiel | FreeFree |
The plan that fits each team size, billed monthly, before add-ons and usage charges. Each cost opens that tool's pricing calculator for the team size.
Which One Should You Choose?
Why choose Indy
- Higher Support score (7/10 vs 5/10)
- Higher Compliance score (8/10 vs 7/10)
- Better fit for freelancers (10/10 vs 8/10)
Why choose Zoho Books
- Higher Customization score (8/10 vs 4/10)
- Higher Integration score (7/10 vs 3/10)
- Better fit for enterprise (3/10 vs 1/10)
- Better fit for small business (9/10 vs 7/10)
Pros & Cons
Indy
Pros
- The free plan includes unlimited invoicing, e-invoicing, bank sync, and a business account with a card.
- It pre-fills and e-files French tax returns such as VAT, 2035, CFE, and the liasse fiscale.
- Higher tiers add chartered accountant review, so you can upgrade without changing tools.
- It is rated 4.8 out of 5 on Trustpilot from more than 7,000 reviews, according to Legalstart.
Cons
- It does not run payroll or manage employees.
- It has very few third-party integrations.
- Lower tiers have no phone support; phone access starts with Sérénité.
- It is limited to French legal statuses, and complex bookkeeping such as fixed assets or provisions is poorly handled.
- The business account accepts no cash or cheque deposits.
Zoho Books
Pros
- The free plan includes online payments, bank reconciliation, recurring invoices and 1099 tracking for one user plus an accountant.
- Pricing is per organization, not per user, so small teams avoid per-seat costs.
- It connects natively with Zoho CRM, Zoho Payroll, Zoho Inventory and Zoho Analytics.
- Professional and higher plans include custom workflows, custom roles and approvals, and Premium adds custom modules and functions.
- On the Elite plan, inventory features cover warehouses, serial and batch tracking, and marketplace sync.
Cons
- Budgets, multi-currency and advanced inventory are only available on higher-priced tiers.
- Reviewers on Capterra and in NerdWallet's write-up describe slow or unhelpful customer support.
- It has fewer third-party integrations than its main competitors, according to NerdWallet.
- A PeerSpot reviewer found it awkward to invoice the same customer in different currencies.
- Even the top plan has a hard cap of 15 users, plus annual transaction limits.
Not sold on either?
Frequently Asked Questions
Zoho Books scores higher on our Finance Software criteria: 7/10 against 6.2/10 for Indy. The largest gap is in Customization: 4/10 for Indy and 8/10 for Zoho Books.
Yes, both Indy and Zoho Books have a free plan.
Zoho Books is the better fit for enterprise: we rate it 3/10 for them, against 1/10 for Indy.
