# Pennylane — AI-native invoicing, accounting and business banking for small businesses and their accounting firms. > Source: Tick Mark Books — https://tickmarkbooks.com/pennylane (structured, researched, re-verified) Pennylane is an AI-native finance platform that combines customer invoicing, supplier payments, a business account and, on its top plan, a full accounting ledger. Businesses and their accounting firm work in the same live file. **Best for:** Small businesses in France and their accounting firm working in one shared file | Fact | Value | | --- | --- | | Website | https://www.pennylane.com/us | | Category | Accounting software, Bookkeepers and accounting firms, Cheapest accounting software, Freelancers and the self-employed, Small businesses | | Open source | No | | Price | €7 a month (about $7.82) | | Price checked | 27 October 2026 | Screenshot of Pennylane: https://tickmarkbooks.com/img/1920/screenshots/pennylane.webp, captured 27 October 2026 **What we checked** - Pages last read: 27 October 2026 - Price on its site: From €7 a month (about $7.82) (From its pricing page) ## Pennylane in our research **Also named in** - [Freelancer accounting software with bank feeds](https://tickmarkbooks.com/collections/freelancer-accounting-software-with-bank-feeds) · Collection ## What it costs A month of books at 100 transactions: about $88 a month at 100 transactions, on Premium + Module comptable ## Pennylane price and plans Prices excluding tax, as Pennylane publishes them. | Plan | Price | What's included | | --- | --- | --- | | Starter | €7 a month (about $7.82) | Keeps no full set of books; Flat fee | | Basique | €14 a month (about $16) | Keeps no full set of books; Flat fee | | Essentiel | €24 a month (about $27) | Keeps no full set of books; Flat fee; adds Categorizes transactions; adds Stripe; adds Shopify; adds PayPal; adds Square; adds Gusto payroll | | Premium + Module comptable | €79 a month (about $88) | Flat fee; adds Ledger included; adds Pays your bills; adds Accrual books and reports; adds Getting your books out; adds Files your tax return; adds Calculates sales tax | Read on https://www.pennylane.com/fr/tarifs, 27 October 2026. ## What Pennylane costs at your volume | Transactions | Cost | Plan | | --- | --- | --- | | 100 | €79 a month (about $88) | Premium + Module comptable | | 500 | €79 a month (about $88) | Premium + Module comptable | ## What we checked on Pennylane ### What it costs to keep your books **Cost at 100 transactions a month** · Yes — €79 a month (about $88) on Premium + Module comptable for 100 transactions. > 79 €/mois HT > — https://www.pennylane.com/fr/tarifs · Pricing cards, Premium plan price cell, checked 27 October 2026 **Cost at 500 transactions a month** · Yes — €79 a month (about $88) on Premium + Module comptable for 500 transactions. > 79 €/mois HT > — https://www.pennylane.com/fr/tarifs · Pricing cards, Premium plan price cell, checked 27 October 2026 **Cost for a solo freelancer** · Yes — A sole trader pays 7 € a month excluding tax on Starter, which includes one user, account synchronization with transaction matching and software that reads the receipt to capture invoices, but requires activating the Pennylane Compte Pro. > 7 €/mois HT > — https://www.pennylane.com/fr/tarifs · Pricing cards, Starter plan, price cell, checked 27 October 2026 **Ledger included** · Partly — Pennylane is itself the ledger, but double-entry accounting arrives only with the Premium plan's accounting module at 79 € a month; the cheaper plans are invoicing, spend and cash management. > Premium + Module comptable Gérez votre comptabilité et vos finances, au même endroit. 79 €/mois HT > — https://www.pennylane.com/fr/tarifs · Pricing cards, Premium plan header and price cell, checked 27 October 2026 **What the price is based on** · Yes — Pricing is a flat monthly fee per business excluding tax, one price per plan with a single user included, not metered per transaction or per connected account. > 7 €/mois HT 1 utilisateur > — https://www.pennylane.com/fr/tarifs · Pricing cards, Starter plan price and user line, checked 27 October 2026 **Users included** · Partly — Every freelancer plan includes exactly one user; the FAQ says extra users can be added from the subscription settings but publishes no price for an additional seat. > Pour les indépendants, les plans Pennylane se limitent à un seul utilisateur. > — https://www.pennylane.com/fr/tarifs · Questions fréquentes, 'Combien d’utilisateurs puis-je avoir ?', checked 27 October 2026 **Past your plan’s limits** · Partly — Each plan carries a stated ceiling of up to 1,200 invoices a year, but the page never says what happens when a business passes it: no overage rate, hard stop or automatic upgrade is described. > Chaque plan inclut jusqu’à 1200 factures/an > — https://www.pennylane.com/fr/tarifs · Line beneath the four plan cards, checked 27 October 2026 ### What the AI does with your books **What the AI does** · Yes — The vendor says its AI runs reconciliation, categorization and compliance in the background, and surfaces cash-flow risks, funding needs and opportunities; it names no plan for those AI features. > AI handles reconciliation, categorisation and compliance in the background. > — https://www.pennylane.com/us · 'For accountants' section, 'Connect' feature carousel, checked 27 October 2026 **Categorizes transactions** · Partly — Automated categorization is listed as an Essentiel feature at 24 € a month, above the two cheaper plans, and nothing on the pages read says the model learns from a user's own corrections. > Catégorisation automatisée et rapports analytiques > — https://www.pennylane.com/fr/tarifs · Pricing cards, Essentiel plan feature list, checked 27 October 2026 **Reconciles your accounts** · Yes — Account synchronization with transaction matching is included from the cheapest Starter plan, and the Premium close module adds bank reconciliation as part of monthly and annual closing. > Synchronisation des comptes et rapprochements des transactions > — https://www.pennylane.com/fr/tarifs · Pricing cards, Starter plan feature list, checked 27 October 2026 **Reads receipts and bills** · Yes — Invoice import with automatic recognition that reads the receipt is ticked for all four plans, and the mobile app lets a user photograph receipts, which the Compte Pro then reconciles against the transaction. > Import et reconnaissance automatique des factures (OCR) > — https://www.pennylane.com/fr/tarifs · Comparison table, 'Gérez vos ventes' section, OCR row, checked 27 October 2026 **Pays your bills** · Partly — Supplier invoices can be captured and paid from the Starter plan onward, but routing them for approval is a Premium feature limited to one approval level. > Circuits de validation à 1 niveau > — https://www.pennylane.com/fr/tarifs · Pricing cards, Premium plan feature list, checked 27 October 2026 **Sends invoices** · Yes — Customer invoices, credit notes and quotes can be issued on every plan with a payment link on them, and Essentiel adds automated dunning scenarios for unpaid invoices. > Création et envoi de factures clients (factures, avoirs, devis) > — https://www.pennylane.com/fr/tarifs · Comparison table, 'Gérez vos ventes' first row, checked 27 October 2026 **Accrual books and reports** · Partly — Trial balances, general ledgers, a balance sheet and a profit and loss statement come from the accounting module, which is the Premium plan; the cheaper plans stop at cash and analytics reporting. > Produisez et explorez vos éléments comptables (balances, grand-livres, bilan, SIG, compte de résultat, plaquettes) > — https://www.pennylane.com/fr/logiciel-de-comptabilite · 'Clôre' feature column, checked 27 October 2026 ### Who checks the AI’s work **Your accountant can sign in** · Yes — Accountant access is listed as a Starter feature, so an external accountant can be let into the books from the cheapest paid plan; the page does not say whether that consumes the plan's single user. > Accès comptable > — https://www.pennylane.com/fr/tarifs · Pricing cards, Starter plan feature list, last item, checked 27 October 2026 **Accuracy the vendor claims** · Partly — The only figure the vendor publishes is an automation rate, 84% reconciled automatically, which is not an accuracy claim and comes with no sample, period or method. > 84% Reconciled Automatically > — https://www.pennylane.com/us · Hero product panel, reconciliation statistic, checked 27 October 2026 ### Where your books live and what it connects to **Bank and card feeds** · Yes — Bank and card accounts are synchronized with transaction matching from the Starter plan upward, though the pages read do not say how often the feed refreshes or which aggregator supplies it. > Synchronisation des comptes et rapprochements des transactions > — https://www.pennylane.com/fr/tarifs · Pricing cards, Starter plan feature list, checked 27 October 2026 **Stripe** · Yes — An API and integrations with everyday tools appear from the Essentiel plan at 24 € a month, but the pricing page names no individual app, so Stripe, Shopify, PayPal, Square and Gusto are unconfirmed. > API et intégrations avec vos outils du quotidien > — https://www.pennylane.com/fr/tarifs · Pricing cards, Essentiel plan feature list, last item, checked 27 October 2026 **Shopify** · Yes — An API and integrations with everyday tools appear from the Essentiel plan at 24 € a month, but the pricing page names no individual app, so Stripe, Shopify, PayPal, Square and Gusto are unconfirmed. > API et intégrations avec vos outils du quotidien > — https://www.pennylane.com/fr/tarifs · Pricing cards, Essentiel plan feature list, last item, checked 27 October 2026 **PayPal** · Yes — An API and integrations with everyday tools appear from the Essentiel plan at 24 € a month, but the pricing page names no individual app, so Stripe, Shopify, PayPal, Square and Gusto are unconfirmed. > API et intégrations avec vos outils du quotidien > — https://www.pennylane.com/fr/tarifs · Pricing cards, Essentiel plan feature list, last item, checked 27 October 2026 **Square** · Yes — An API and integrations with everyday tools appear from the Essentiel plan at 24 € a month, but the pricing page names no individual app, so Stripe, Shopify, PayPal, Square and Gusto are unconfirmed. > API et intégrations avec vos outils du quotidien > — https://www.pennylane.com/fr/tarifs · Pricing cards, Essentiel plan feature list, last item, checked 27 October 2026 **Gusto payroll** · Yes — An API and integrations with everyday tools appear from the Essentiel plan at 24 € a month, but the pricing page names no individual app, so Stripe, Shopify, PayPal, Square and Gusto are unconfirmed. > API et intégrations avec vos outils du quotidien > — https://www.pennylane.com/fr/tarifs · Pricing cards, Essentiel plan feature list, last item, checked 27 October 2026 **Moves your history in** · Partly — The accounting page promises an easy migration in a few clicks through its imports, but names no source system it imports from and publishes no price for the move. > Migration facile Grâce à nos imports, migrez en quelques clics > — https://www.pennylane.com/fr/logiciel-de-comptabilite · 'Pourquoi choisir Pennylane comme logiciel de comptabilité ?' benefit tiles, checked 27 October 2026 **Platforms** · Yes — It runs on the web and on mobile: the vendor publishes an iOS app on the Apple Store and an Android app on Google Play, and no Windows or Mac desktop build is offered. > La gestion de votre activité, complète et mobile Une solution complète qui réunit tous vos besoins Apple Store Google Play > — https://www.pennylane.com/fr/application-mobile · Mobile app page hero and store badges, checked 27 October 2026 **Getting your books out** · Yes — Accounting output including trial balances, general ledgers, the balance sheet and the profit and loss statement can be produced and exported in a few clicks from the accounting module. > Produisez et explorez vos éléments comptables (balances, grand-livres, bilan, SIG, compte de résultat, plaquettes) et exportez-les en quelques clics > — https://www.pennylane.com/fr/logiciel-de-comptabilite · 'Clôre' feature column, checked 27 October 2026 ### Taxes **Files your tax return** · Partly — Tax filing is French: the Premium plan handles EDI returns including VAT and the liasse fiscale, so there is no income tax return filing for a US business on any plan shown. > Gestion des déclarations fiscales en EDI (TVA, liasse fiscale ...) > — https://www.pennylane.com/fr/tarifs · Pricing cards, Premium plan feature list, checked 27 October 2026 **Calculates sales tax** · Partly — Indirect tax here is VAT, not US sales tax: prices are quoted excluding tax and VAT returns are managed from the Premium plan, with no state-by-state liability tracking. > Gestion des déclarations fiscales en EDI (TVA, liasse fiscale ...) > — https://www.pennylane.com/fr/tarifs · Pricing cards, Premium plan feature list, checked 27 October 2026 **Files sales tax** · Partly — Filing is done, but for VAT and by EDI on the Premium plan only; the vendor describes no US sales tax return filing or remittance anywhere on the pages read. > Gestion des déclarations fiscales en EDI (TVA, liasse fiscale ...) > — https://www.pennylane.com/fr/tarifs · Pricing cards, Premium plan feature list, checked 27 October 2026 ### What it keeps track of **Mileage** · Partly — Mileage shows up as expense-claim mileage allowances on the Essentiel plan rather than automatic trip detection, and no separate tracking app is named. > Gestion de notes de frais et des indemnités kilométriques > — https://www.pennylane.com/fr/tarifs · Pricing cards, Essentiel plan feature list, checked 27 October 2026 ### Your data and its security **Your data trains AI** · Yes — The vendor states plainly that customer data is never used to train external models; it says nothing about internal model training or an opt-out, and publishes a separate AI whitepaper. > Your data stays yours Never used to train external models. > — https://www.pennylane.com/us · Security section above 'Bank-grade security. Accountant-grade accuracy.', checked 27 October 2026 ### Who it is built for **For accounting firms** · Yes — There is a dedicated accountants' side with 6,500+ firms on it and its own contact route, pitched as one live platform for bookkeeping, invoicing, VAT and compliance across clients; firm pricing and white-labeling are not published. > Pennylane is the AI-native OS built for accountants. One live production platform for bookkeeping, invoicing, VAT, compliance, and beyond. > — https://www.pennylane.com/us · 'For accountants' section intro, checked 27 October 2026 **Canada** · No — the English page offers US visitors only a contact form, and Canada, the UK and Australia are absent. > Markets France Germany Spain > — https://www.pennylane.com/us · Footer, Markets links, checked 27 October 2026 **Australia** · No — the English page offers US visitors only a contact form, and Canada, the UK and Australia are absent. > Markets France Germany Spain > — https://www.pennylane.com/us · Footer, Markets links, checked 27 October 2026 ### Trying it, starting and getting help **Free trial or free plan** · Partly — There is a 15-day free trial with no commitment on every plan, repeated in the FAQ, but no standing free plan a business could stay on indefinitely. > Pennylane propose une période d'essai gratuite de 15 jours pour découvrir ses fonctionnalités. > — https://www.pennylane.com/fr/tarifs · Questions fréquentes, 'Est-ce que je peux tester Pennylane gratuitement ?', checked 27 October 2026 **Sign up without a sales call** · Partly — The French plans are bought self-serve through a start-now button and a free trial, while the English-language page for US visitors offers only a 'See it for your firm' contact form. > Essayer gratuitement 15 jours d'essai gratuit, sans engagement > — https://www.pennylane.com/fr/tarifs · Pricing cards, Starter plan call to action, checked 27 October 2026 **Contract and cancelling** · Yes — The subscription is month to month: the FAQ states it carries no commitment and can be canceled at any time with no fee or penalty, and says nothing about needing a call to do so. > Oui, l'abonnement Pennylane est sans engagement. Vous pouvez résilier à tout moment sans frais ni pénalité > — https://www.pennylane.com/fr/tarifs · Questions fréquentes, 'L'abonnement Pennylane est-il sans engagement ?', checked 27 October 2026 ## Pennylane alternatives - [FreeAgent](https://tickmarkbooks.com/freeagent) · From £10 a month (about $13): UK cloud accounting with HMRC filing, bank feeds and AI receipt capture, priced per business type. - [Zoho Books](https://tickmarkbooks.com/zoho-books) · Free plan, then $20 a month: Cloud accounting ledger with Zia AI, bank feeds, sales tax and 1099 e-filing, from $20 a month. - [Puzzle](https://tickmarkbooks.com/puzzle) · No list price: AI-native accounting software with optional bookkeeper services for startups and small businesses. - [Pilot](https://tickmarkbooks.com/pilot) · No list price: A bookkeeping and tax service for startups that pairs software-driven dashboards with human financial advisors. - [Booke AI](https://tickmarkbooks.com/booke-ai) · No list price: An AI bookkeeper that works inside QuickBooks Online and Xero to categorize transactions and match documents. - [SimpleAI](https://tickmarkbooks.com/simpleai) · From $79 a month: AI agents that extract, classify and reconcile accounting documents, then publish them into Xero or QuickBooks. - [Xero](https://tickmarkbooks.com/xero) · From $27 a month: Small-business ledger with a JAX assistant that answers questions in plain language; unlimited users on every plan. - [Sage Accounting](https://tickmarkbooks.com/sage-accounting) · From £20 a month (about $27): Sage's cloud small-business ledger with built-in payroll and the Sage Copilot assistant; US edition retired. - [FreshBooks](https://tickmarkbooks.com/freshbooks) · From $23 a month: Double-entry small-business ledger built around invoicing, with a read-only Claude connector for questions. 6 of the 9 publish a price. [All 9 alternatives](https://tickmarkbooks.com/pennylane/alternatives/) ## Sources and changes Last changed 27 October 2026 **Sources on pennylane.com** (4) - https://www.pennylane.com/fr/tarifs, read 27 October 2026 - https://www.pennylane.com/us, read 27 October 2026 - https://www.pennylane.com/fr/logiciel-de-comptabilite, read 27 October 2026 - https://www.pennylane.com/fr/application-mobile, read 27 October 2026 ## Is this yours? Claim Pennylane: https://tickmarkbooks.com/claim/pennylane Report an error if a fact is wrong: hello@tickmarkbooks.com, subject "Report an error: Pennylane (pennylane)".