Pennylane
Reviewed by Alexis Morain · Updated July 11, 2026
Pennylane combines accounting, invoicing, and financial management for French SMBs and their accountants. Free plan for micro-businesses, plans from €7/mo.
A powerful accounting and financial platform for French SMBs and their firms, whose full value assumes working with an accountant.
- Accounting, invoicing, and cash flow on a single source of truth
- Smooth collaboration with the accounting firm
- Free plan limited to micro-businesses
Pennylane is a French accounting and financial management platform that connects SMB owners with their accountant. Backed by a Paris-based scale-up, it aims to replace the patchwork of tools (invoicing, accounting, cash flow) with a single, always up-to-date source of truth.
What is Pennylane for?
On the business side, you issue quotes and invoices, track payments, reconcile bank transactions, and monitor cash flow in real time. On the firm side, the accountant works on the same data, which eliminates file exchanges and re-entry. The platform connects to banks and business tools, automates document collection, and prepares the accounting review. The promise is a living, shared set of books, not a stack of static reports.
Pennylane or Indy and Tiime?
Compared to Indy, built for the solo freelancer working directly, Pennylane targets SMBs followed by an accounting firm, with deeper financial oversight. Compared to Tiime, close on invoicing, it pushes collaboration with the accountant further. For a business account and simple invoicing, Qonto is enough; Pennylane wins on accounting and financial depth.
What are the limits of Pennylane?
The free plan is limited to micro-businesses, and the real value unfolds in partnership with an accounting firm. The pricing grid evolves quickly and is displayed excluding VAT. For use without a firm, the tool can feel oversized compared to lighter solutions.
Pros & Cons
- Accounting, invoicing, and cash flow on a single source of truth
- Smooth collaboration with the accounting firm
- Real-time financial oversight
- French vendor, data hosted in France
- Free plan limited to micro-businesses
- Full value tied to a partner accounting firm
- Excl.-VAT pricing that evolves quickly
Key features of Pennylane
Invoicing
Quotes, invoices, and payment tracking
Shared accounting
Same data for the business and the firm
Cash flow
Real-time financial oversight
Automation
Document collection and bank reconciliation
Pennylane pricing
Pennylane offers a free plan limited to micro-businesses. For freelancers, excl.-VAT pricing runs from the Starter plan at €7/month (invoicing, reconciliation) to the Premium plan at €79/month (advanced oversight), with intermediate tiers Basique (€14) and Essentiel (€24). The firm and SMB offer is separate, custom priced through the accountant.
Free plan / trial
Free plan limited to micro-businesses: basic invoicing and bank sync. Full accounting and oversight features require paid plans or the accounting-firm offer.
Free
Limited to micro-businesses · Basic invoicing · Bank sync
€0 excl. VAT (micro-business)
Starter
Invoicing · Bank reconciliation · Payment tracking
€7 per month excl. VAT
Essentiel
Invoice and account management · Automated cash flow · Oversight
€24 per month excl. VAT
Premium
Advanced financial oversight · Analytics · Full feature set
€79 per month excl. VAT
Pricing verified on July 11, 2026
Try PennylaneWho is Pennylane for?
Best for
- French SMBs followed by an accountant
- Owners who want to manage finances directly
- Accounting firms and their clients
Not recommended for
- Freelancers managing alone without a firm
- Need for a simple business account and invoicing
Want to try Pennylane?
Head to the official site and the current offer.
Frequently asked questions about Pennylane
Is Pennylane free?▼
Pennylane or Indy?▼
Do you need an accountant to use Pennylane?▼
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