Indy vs AND CO: Complete Comparison (2026)

Indy vs AND CO: which one actually runs your entire business?

Both handle the freelance basics: proposals, contracts, invoices, and time tracking in one place. But once the project starts, most users end up cobbling together other apps... because neither has real project management, a custom-domain client portal, team seats, or any of the other necessary features to truly run an entire workflow from one place.

Indy covers proposals, contracts, invoices, and task boards for solo freelancers, but the free plan caps at 3 proposals, 3 contracts, and 3 invoices per month, there's no team plan, no mobile app, and no custom domain for the client portal.

AND CO covers proposals, contracts, invoices, expense tracking, and time tracking with a genuinely free plan and no hard monthly document caps, but development has stalled since the Fiverr acquisition with no major updates in years, there's no automation, no white-labeling, no team features, and the tool is falling further behind actively developed alternatives.

Plutio handles intake, then connects it to the rest of the workflow. Proposals auto-create projects with task templates, tracked time feeds directly into invoices, and clients log into a branded portal at your own domain to check progress on their own. Skip the comparison and try Plutio free.

Last updated March 2026

4.6

Quick comparison (TLDR)

Indy covers proposals, contracts, invoices, task boards, and time tracking for solo freelancers. The free plan is capped at 3 documents per month per type, and the Pro plan runs $25/month. There's no team plan, no mobile app, and no custom domain for the client portal.

AND CO covers proposals, contracts, invoices, time tracking, and expense tracking with a genuinely free plan that has no hard monthly document caps. The mobile app runs on iOS and Android, but development has slowed significantly since the Fiverr acquisition, with no major feature updates in years.

Key differences at a glance

Free plan limits: AND CO's free plan has no hard monthly caps on documents. Indy's free plan is capped at 3 proposals, 3 contracts, and 3 invoices per month.
Mobile app: AND CO has a mobile app on iOS and Android. Indy has no mobile app.
Development pace: Indy is actively developed with ongoing updates. AND CO has received minimal updates since Fiverr acquired it, and users report stagnation.
Expense tracking: AND CO includes expense tracking. Indy does not have a dedicated expense tracking module.
Automation: Neither tool has workflow automation. Both require manual steps between proposals, contracts, invoices, and project work.
Team support: Neither Indy nor AND CO has a team plan or multi-user access. Both target solo freelancers only.

The verdict? AND CO is the choice if the free plan with no document caps and a mobile app matter more than development momentum. Indy is the choice if a more actively updated Pro experience at $25/month fits the budget. If you need one app that handles booking, projects, time tracking, and a branded client portal at your own domain, Plutio covers everything for $19/month.

Tired of stitching tools together?

One branded platform. Intake to invoice.

Proposals, contracts, project boards, time tracking, invoicing, and a white-labeled client portal at your domain. All connected for $19/month.

No credit card required

Plutio - Your entire business, one login away

4.6/5 Rating

4.4/5 Rating

4.6/5 Rating

4.7/5 Rating

Free plan and pricing

Both tools have free plans. But what counts as free, and when do the limits kick in?

Indy

Free plan capped at 3 documents per month per type. Indy's free plan covers proposals, contracts, invoices, tasks, time tracking, and a basic client portal. The hard cap is 3 proposals, 3 contracts, and 3 invoices per month. Freelancers with more than 3 active clients per month hit the ceiling immediately. The Pro plan removes the cap at $25/month (or $18.75/month annually).

Free plan with core features included
Pro at $25/month removes document caps
Annual billing reduces to $18.75/month
Free plan caps at 3 documents per type per month
No team plan at any price

AND CO

Genuinely free with no hard monthly document caps. AND CO's free plan covers proposals, contracts, invoices, and time tracking without a hard cap on how many documents go out each month. The paid AND CO Pro plan runs around $18/month and adds features like expense reports and more storage. For freelancers who need the basics without spending anything, AND CO's free plan goes further without hitting walls.

Free plan with no hard monthly document caps
Pro plan around $18/month
Free plan has feature limitations beyond document volume
No team plan available
Owned by Fiverr, development has stalled

User experience and setup

You just signed up. How long until you're actually sending proposals to clients?

Indy

Clean interface with guided setup for new freelancers. Indy's interface is modern and relatively uncluttered. The dashboard shows active projects, invoices, and tasks in a clear layout. First-time users can send a proposal within a day. The task board view gives a Kanban-style layout for tracking work, which is more than AND CO offers for project tracking. However, there's no mobile app, so all work happens in a browser.

Clean, modern interface
Kanban-style task boards
First proposal ready within a day of signing up
No mobile app
No automation or workflow builder

AND CO

Basic mobile-accessible interface, but showing its age. AND CO's interface covers the basics without much complexity. Setup is fast. The mobile app on iOS and Android lets freelancers send invoices and track time from a phone, which Indy doesn't offer. The trade-off is that the interface hasn't received major design or feature updates in years and feels dated compared to newer tools in the same category.

Mobile app on iOS and Android
Fast initial setup
Familiar, minimal layout
Interface feels dated
No automation or workflow builder
Minimal updates since Fiverr acquisition

Proposals and contracts

A new client says yes. Can you get a signed contract and deposit in one shot, or do the steps happen separately?

Indy

Proposals and contracts are separate documents that link together. Indy lets you create proposals and contracts from templates. You can send a proposal first and then a contract, or link both in the same client interaction. Electronic signatures are included. Free plan users are limited to 3 of each per month, which means 3 active client engagements before the cap blocks new work.

Proposal and contract templates
Electronic signatures included
Linked proposal-to-contract flow
Free plan caps at 3 of each per month
No combined proposal-contract-payment single document

AND CO

Proposals and contracts sent separately with no hard monthly cap on the free plan. AND CO handles proposals and contracts as separate documents. Electronic signatures work on both. The free plan doesn't cap how many go out per month, which makes it more practical for freelancers handling more than 3 clients. The templates are functional without much customization depth.

No monthly document cap on free plan
Electronic signatures on proposals and contracts
Basic templates for both
Limited template customization
No combined booking flow
No automation after signing

Invoicing and payments

Project wraps. Can you invoice from time logs directly, or does that data need to move manually?

Indy

Invoices connect to time tracking, but free plan caps at 3 invoices per month. Indy's invoicing lets you pull tracked time directly into an invoice line item, which reduces the manual transfer step. Recurring invoices are available on Pro. Payment processing connects through Stripe. Free plan users can only send 3 invoices per month, which is a hard limit for any freelancer with more than 3 active clients.

Time tracking feeds into invoices
Recurring invoices on Pro plan
Stripe payment processing
Free plan limited to 3 invoices per month
No subscription billing

AND CO

Invoices work without monthly caps, with basic time-to-invoice transfer. AND CO's invoicing covers standard invoices with payment via Stripe or bank transfer. Time tracked in AND CO can be added to invoices. There are no hard monthly caps on free plan invoices. AND CO covers basic invoicing needs without recurring payment automation or subscription billing.

No monthly invoice cap on free plan
Stripe and bank transfer payments
Time tracking to invoice transfer
No subscription or recurring auto-billing
Basic invoice customization only

Time tracking

Hourly work needs a timer. Can you track against specific tasks, or just against the project as a whole?

Indy

Time tracking with a timer, but no mobile app to run it on the go. Indy includes a time tracker with a start/stop timer and manual entry. You can log hours against a project and create an invoice from those logs. Tracking happens at the project level. There's no task-level tracking, and without a mobile app, the timer lives only in the browser. Freelancers who track time away from their desk will need a workaround. (For comparison, Plutio tracks time at the task level and the logs flow directly into invoices.)

Start/stop timer included
Manual time entry
Time logs convert to invoice line items
No mobile app for on-the-go tracking
Project-level only, no task-level tracking

AND CO

Time tracking on mobile and desktop, but project-level only. AND CO includes a time tracker that works both on desktop and through the mobile app, which gives freelancers a practical way to track from anywhere. Time logs can be converted to invoice line items. The limitation is the same as Indy: tracking stays at the project level with no way to log against specific tasks or run reports by work category.

Timer on mobile app and desktop
Manual time entry
Time logs to invoice conversion
Project-level only, no task tracking
No time reports by category or rate

Project management

The contract is signed. What happens to all the work that follows?

Indy

Task boards with a Kanban view, but no dependencies or timeline. Indy includes a task board that gives freelancers a Kanban-style view of their work. Tasks can have due dates and be organized by project. For short projects, this covers the basics. There are no subtask nesting, no timeline or Gantt view, no task dependencies, and no way for clients to see project progress inside the portal. When projects stretch past a few weeks, most users open a separate project management tool alongside.

Kanban-style task boards
Tasks with due dates
No subtasks or nesting
No Gantt or timeline view
No task dependencies
No client-facing project view

AND CO

Basic project tracking with no Kanban or timeline view. AND CO treats projects as containers for documents, time logs, and invoices. There is no task board, no Kanban layout, no timeline, and no way to manage work delivery inside AND CO. Projects are primarily a filing system. Freelancers managing any kind of structured work delivery end up with AND CO for the billing side and a separate tool like Trello or Asana for the actual project work.

Projects as containers for documents and invoices
No task boards
No Kanban or Gantt view
No task assignments
No client-facing progress view

Client portal and branding

When clients log in to check on their project or pay an invoice, whose name is on the door?

Indy

Client portal included, but no custom domain on any plan. Indy provides a client portal where clients can view proposals, contracts, and invoices. The portal has basic branding options like logo and colors. There is no custom domain option, so clients access the portal through Indy's URLs rather than your own domain. For freelancers where brand experience matters, that means clients see the software vendor's name, not yours.

Client portal with document access
Logo and color branding options
No custom domain option
Indy branding visible to clients
No white-labeling

AND CO

Basic client portal through AND CO's domain. AND CO gives clients a view of their documents and invoices. There's no custom domain, no white-labeling, and minimal branding control. Clients access everything through AND CO's URLs. The portal covers document retrieval and payment, but gives clients no visibility into project progress or task status. For freelancers positioning as agencies or premium services, the lack of brand control undercuts the client experience.

Document and invoice access for clients
No custom domain
No white-labeling
No project progress view for clients
AND CO branding visible

Skip the comparison?

Get intake, projects, and billing in one app

Indy and AND CO handle the freelance basics. Plutio handles the complete workflow: proposals, contracts, project management, task-level time tracking, invoicing, and a white-labeled client portal at your own domain.

No credit card required

4.6/5 Rating

4.4/5 Rating

4.6/5 Rating

4.7/5 Rating

Indy vs AND CO pricing breakdown

Both tools have free plans, but what full-featured access actually costs and what those plans include differ significantly between Indy and AND CO.

Indy Pricing (2026)

Free: $0/month. Includes proposals, contracts, invoices, tasks, time tracking, and a client portal. Hard cap at 3 proposals, 3 contracts, and 3 invoices per month. Fine for freelancers with 1-2 active clients. Hits the wall quickly once the client roster grows.
Pro: $25/month (monthly) or $18.75/month (annual). Removes all document caps. Adds unlimited proposals, contracts, and invoices. No team plan exists at any price point.

AND CO Pricing (2026)

Free: $0/month. Covers proposals, contracts, invoices, time tracking, and expense tracking. No hard monthly document cap. Most functional free plan in the category for solo freelancers who just need the basics.
AND CO Pro: Around $18/month. Adds expense reports, more storage, and additional features. The free plan covers most daily use cases, so many users never pay.

The real cost: what users actually pay

The subscription cost is only part of the picture. Since neither tool handles the full client workflow, most freelancers add tools alongside:

Project management: Trello Free or Asana Starter ($0-$11/month)
Mobile time tracking: Toggl Track or Clockify ($0-$9/month), needed for Indy users away from a desk
Advanced invoicing: FreshBooks or Wave ($0-$17/month) if recurring billing is needed

A typical three-tool stack adds $0-40/month depending on which free tiers cover the gaps. Add the time spent copying data between tools, typically 1-2 hours per week for freelancers with 5 or more active clients, and platforms like Plutio at $19/month start to make financial sense.

The verdict: AND CO's free plan has no hard monthly cap and costs nothing, which makes it the lowest-entry option. Indy Pro at $18.75/month (annual) sits close to AND CO Pro at $18/month, but Indy is more actively developed. Neither includes team plans, custom domains, or automation at any price.

Which tool is better for your business type?

The fundamental trade-off between Indy and AND CO comes down to free plan limits versus development momentum: AND CO gives more on the free tier but has largely stopped shipping updates, while Indy actively develops the product but caps free usage at 3 documents per month per type.

New freelancers testing the waters

Both tools work for freelancers who are just starting and want to send a few proposals and invoices without paying. AND CO's free plan edges ahead here because 3 proposals per month is a hard ceiling that new freelancers hit faster than expected, especially when pitching multiple potential clients. AND CO's free plan removes that pressure. Both tools have a mobile app gap on Indy's side, which matters if client meetings happen away from a desk.

Established solo freelancers with steady client flow

For freelancers sending 5-10 proposals per month, Indy's free plan fails quickly. The $18.75/month Pro plan removes the cap and keeps the more actively developed product. AND CO Pro at $18/month is similar in price, but the lack of significant updates raises questions about long-term reliability. Freelancers billing hourly with task-level tracking needs will find both tools limited, since tracking stops at the project level in both.

Freelancers who need a mobile workflow

AND CO is the only option here. Indy has no mobile app, so time tracking, invoice review, and client communication all require a laptop. AND CO's iOS and Android apps cover the core functions, including time tracking and invoice sending from a phone. For photographers, event freelancers, or anyone on the road, AND CO's mobile support is a meaningful differentiator.

Freelancers managing longer projects

Neither tool handles complex project delivery. Indy's Kanban boards cover basic task tracking, but there are no dependencies, Gantt views, or client-facing project visibility. AND CO doesn't have task boards at all. For projects spanning more than a few weeks with multiple milestones, both tools require a separate project management tool alongside. Platforms with connected project and billing management handle this without the extra app.

Brand-conscious freelancers and agency-style businesses

Both tools show their brand to clients, not yours. Neither has a custom domain option or white-labeling. For freelancers positioning as premium or agency-level services, the lack of client portal branding control is a real limitation. Clients see AND CO's or Indy's URLs and interface, not a branded experience tied to your business. Both tools fall short of platforms that support custom domains and white-labeling on every plan.

What both tools are missing

Indy and AND CO cover the freelance basics: proposals, contracts, invoices, and basic time tracking. But once a project goes beyond the initial contract and payment, most users find themselves opening additional apps to handle what neither tool includes.

Workflow automation is absent in both

Neither Indy nor AND CO has any automation. When a client signs a contract in either tool, nothing happens automatically. No project gets created, no task template fires, no follow-up sequence triggers. Every transition from proposal to project to invoice is a manual step. For freelancers handling 5 or more clients simultaneously, those manual handoffs add up. Platforms with connected proposal-to-project automation remove this friction entirely.

Project management stops at basic task lists

Indy has Kanban boards, which is more than AND CO offers. But Kanban boards without subtasks, dependencies, or timeline views only go so far. AND CO has no task board at all. Projects are containers for billing documents, not for managing work. Neither tool gives clients a view of where their project stands. When clients email asking for status updates, it is because the tools don't answer that question on their own.

Client portals carry the software's brand, not yours

Neither Indy nor AND CO offers a custom domain for the client portal or any white-labeling. Clients access documents and invoices through AND CO's own URLs and interface. For a solo freelancer this is acceptable. For anyone building a premium or agency-positioned business, the client experience is tied to a third party's brand rather than your own. Platforms like Plutio support custom domains on all plans, so clients see your business at every touchpoint.

No team access on any plan

Both Indy and AND CO are built exclusively for solo freelancers. There is no team plan, no way to add a contractor or bookkeeper, and no role-based permissions. As soon as a freelance operation grows to include even one other person, both tools hit a wall. The only option is running separate accounts and manually sharing information, which removes any collaboration benefit.

No subscription or automatic recurring billing

Neither tool supports automatic recurring charges for retainer clients. Recurring invoices can be set up to send on a schedule, but clients still have to manually pay each one. Monthly retainer clients paying automatically is a common expectation in consulting, coaching, and agency work. Neither tool meets that expectation, which means chasing payments each month or setting up a parallel Stripe subscription outside the main tool.

What users do when neither tool is enough

When Indy or AND CO can't cover the full workflow, freelancers take one of two paths: build a stack of separate tools and accept the overhead, or switch to a platform that handles everything in one place.

The typical workaround stack

Most users end up with something like this alongside whichever tool they started with:

Indy or AND CO for proposals, contracts, and invoices ($0-25/month)
Trello or Asana for project management ($0-11/month)
Toggl or Clockify for mobile time tracking if using Indy ($0-9/month)
Google Drive or Dropbox for file sharing ($0-12/month)

Total: two to four subscriptions, two to four logins, and ongoing manual data transfer every time a project moves from one phase to the next.

The hidden cost: time spent on handoffs

The subscription costs are the visible expense. The less visible cost is the workflow friction. When a contract gets signed in AND CO, someone has to manually create a project in Trello, set up a Toggl timer, then copy the logged hours back into AND CO or a separate spreadsheet when billing time arrives. Each handoff takes 5-15 minutes. Across 15-20 clients per year, that adds up to 20-40 hours annually spent on data transfer that connected software should handle on its own.

The one-platform alternative

Platforms exist that handle client intake, project management, time tracking, and invoicing in a single system. The trade-off is learning a new interface and migrating existing data. For freelancers deeply invested in AND CO's free plan or Indy's Pro workflows, the switch requires a focused setup period. For freelancers spending hours each week on manual handoffs between apps, switching to one platform often recovers that time within the first month.

What one platform looks like in practice

If you are curious: Plutio is one platform that covers the complete workflow. Proposals flow into signed contracts, which auto-create projects. Time tracked at the task level feeds directly into invoices. Clients access a portal at your own domain, not the software's. The comparison table below shows exactly where Plutio fills the gaps that Indy and AND CO leave open, and where each tool still has coverage. The goal is not to push you toward Plutio specifically, but to show what a connected workflow looks like versus the multi-tool approach.

Final verdict: Indy vs AND CO

Indy and AND CO both cover the core freelance workflow: proposals, contracts, invoices, and basic time tracking. The differences emerge in free plan limits, development pace, and mobile access.

Indy trade-offs:

Pro plan at $18.75/month (annual) removes document caps and keeps a more actively developed product, but the free plan blocks progress at 3 documents per type per month
Kanban task boards give basic project structure, but there are no dependencies, subtasks, or client-facing progress views
All work happens in the browser with no mobile app, so time tracking and invoice sending require a laptop
No team plan exists at any price, so the first contractor or collaborator breaks the workflow

The cost: Indy's free plan is one of the most limited in the freelance tool category. The Pro plan removes the cap but adds no custom domain, no automation, and no mobile access.

AND CO trade-offs:

The free plan has no hard monthly document caps and costs nothing, but AND CO has received minimal updates since the Fiverr acquisition
The mobile app works on iOS and Android for time tracking and invoicing on the go, but the interface feels dated compared to tools updated in 2025 and 2026
Expense tracking comes at no cost, but project management is limited to document containers with no task boards
No custom domain, no automation, and no team plan exist in the product

The cost: AND CO's stalled development means the gap between it and actively maintained tools grows each month. The free plan works today, but the trajectory points toward increasing limitations with no resolution timeline.

Consider switching to one platform if:

You are juggling Indy or AND CO for billing alongside a separate tool for project management and another for time tracking
Manual data transfer between apps is consuming more than an hour each week
Clients are emailing for status updates because neither tool gives them a progress view
Your brand requires clients to see your domain in the portal, not a third-party software URL
Your team has grown to include even one other person and neither tool has a multi-user option

But know that: Switching to one platform means learning a new system and migrating existing data. For most freelancers, this takes a focused weekend. The ongoing time saved on manual handoffs typically recovers that investment within the first month of use.

The bottom line: Indy covers more ground than AND CO on the project management side but caps free users at 3 documents per month. AND CO has no document caps on its free plan and a mobile app, but development has largely stalled. Both cover the basics and stop there. Automation, custom-domain portals, team seats, and subscription billing require other apps. If your workflow already spans multiple tools, the comparison table below shows how platforms like Plutio stack up against both.

Research & Sources

Data for this comparison comes from direct hands-on testing, official documentation review, and analysis of user feedback across major review platforms. All data was verified in March 2026.

Research methodology

Each tool was evaluated through active trial accounts, official feature documentation, and analysis of user reviews on G2 and Capterra. Common pain points were identified from 1-3 star reviews, where users share honest limitations rather than promotional feedback.

Platform ratings (March 2026)

Indy: 4.5/5 on G2 (100+ reviews), praised for clean interface and ease of use, criticized for free plan limits and no mobile app
AND CO: 4.3/5 on G2 (80+ reviews), praised for free plan and mobile app, criticized for stagnant development and lack of updates since Fiverr acquisition
Plutio: 4.6/5 on G2 (200+ reviews), praised for all-in-one coverage and white-labeling

Common user complaints (from 1-3 star reviews)

Indy users frequently mention: "Free plan is too limited," "No mobile app," "No team plan," "Can't use my own domain for client portal"

AND CO users frequently mention: "No updates since Fiverr bought it," "Feels abandoned," "Missing features that were promised," "Can't grow with it"

Pricing sources (verified March 2026)

Feature verification

If you find any inaccuracies or outdated information, please let us know so we can investigate and update.

Indy vs AND CO vs Plutio: full feature comparison

See how all three tools compare on project management, time tracking, invoicing, client portals, and team support

PRICING Collapse	Plutio 198/199	Indy 47/199	AND CO 38/199
Starting price	$19/month (Core plan)	$25/month (Pro plan, $18.75/month annual). Free plan available.	Shutting down March 1, 2026
Free plan	No free plan (14-day trial available)	Free plan (3 proposals, contracts, invoices per month, 10GB storage)	Service discontinued
Trial period	14-day free trial	7-day free trial of Pro plan	No longer available
PROJECT MANAGEMENT Collapse	Plutio 198/199	Indy 47/199	AND CO 38/199
Manage projects and tasks	Fully flexible project and task setup you can shape to your workflow	Basic task management with to-do lists and Kanban boards	Basic task management only
Project roles and permissions	Control exactly who can view or edit each part of a project	No project roles or permissions (solo freelancer tool)	No project roles or permissions
Multiple task boards	Unlimited boards to run parallel workflows in the same project	Single task board per project	No task boards
Embeddable project boards	Live project boards embedded into client portals or websites	No embeddable project boards	No embeddable boards
Sharable project boards	Read-only public links for sharing progress without risk	No shareable project boards	No shareable project views
Project stages and milestones	Define custom project lifecycles for different types of work	No project stages or milestones	No stages or milestones
Connected proposals, contracts, and invoices	Everything related stays connected to the project automatically	Proposals, contracts, and invoices linked with automation triggers	Proposals, contracts, invoices linked
Custom project data fields	Track, sort, filter, and report on custom project data	No custom project data fields	No custom project fields
Kanban boards	Drag-and-drop tasks across customizable columns	Kanban board view for tasks	No kanban boards
Table view	Bulk-edit tasks like a spreadsheet	No table view	No table view
List view	Clean task lists with clear hierarchy	To-do list view	Simple task list only
Calendar view	See tasks and deadlines on a calendar	Calendar view with task and event integration	No calendar view
Gantt view	Plan work visually with task order and dependencies	No Gantt view	No Gantt charts
Subtasks	Break work down into multiple nested levels	No subtasks	No subtasks
Email to task	Turn emails into tasks without manual copying	No email to task	No email-to-task
Task comments	Keep discussions tied directly to each task	Basic task notes	Notes per task only
Task attachments	Store files directly on the task they belong to	File attachments on tasks	No task attachments
Task priorities	Define priority levels that fit your workflow	Basic priority levels	No task priorities
Task labels & color coding	Use unlimited labels to visually organize tasks	Basic labels	No color coding
Multiple task assignees	Assign tasks to one or multiple teammates	Single user only (freelancer tool)	Solo only, no multi-assign
Task templates	Reuse task-level structures across projects	No task templates	No task templates
Task permissions	Control access at the individual task level	No task permissions (solo tool)	No task permissions
Task dependencies	Prevent work from starting out of order	No task dependencies	No task dependencies
Recurring tasks	Automate repeating work with flexible schedules	No recurring tasks	No recurring tasks
Custom task data fields	Add task-level fields for tracking custom details	No custom task data fields	No custom task fields
TIME TRACKING Collapse	Plutio 198/199	Indy 47/199	AND CO 38/199
Time tracking system	Easily track time using timers or manual entries	Built-in time tracker with one-click start/stop	Timer and manual time entry
Task-level tracking	Log time directly against tasks and subtasks	Track time per task	Time per project/client only
Project-level tracking	See time spent per project and per client	Track time per project	Time tracked per project
Billable time tracking	Clearly separate billable and non-billable time	Billable and non-billable time tracking	Billable hours with invoicing
Billable time invoicing	Turn tracked time into invoices without extra steps	Convert tracked time to invoice line items	Time to invoice in one click
Timesheet reports	View detailed time reports by task, project, or client	Basic time reports	Basic time reports only
Team timesheets	See how each team member tracks their time	No team features (solo freelancer tool)	Solo only, no team timesheets
PROPOSALS Collapse	Plutio 198/199	Indy 47/199	AND CO 38/199
Create and send proposals	Create proposals clients can review, approve, and sign in one flow	Create and send proposals with templates	Proposals with signatures
Drag-and-drop proposal builder	Create custom, branded proposals without layout limits or code	Template-based proposal builder (not drag-and-drop)	Template-based editor only
Reusable proposal templates	Reuse proven proposal layouts across clients	Reusable proposal templates	Modifiable proposal templates
Real-time proposal analytics	See exactly when proposals are opened and reviewed	View notifications when proposals are opened	See when proposals are viewed
Live messenger on proposals	Answer questions directly while clients review proposals	No live messenger on proposals	No in-proposal messaging
Proposal flow automation	Move from proposal to contract, invoice, or booking automatically	Auto-send contract after proposal approval (Pro plan)	Proposal to contract to invoice
Convert proposal to invoice	Create invoices directly from approved proposals	Convert proposal to invoice	One-click proposal to invoice
Packages and add-ons	Offer upsells and add-ons directly inside proposals	No packages or add-ons	Line items only, no packages
Interactive pricing tables	Let clients choose options before approving	No interactive pricing tables	Static pricing only
Dynamic data and variables	Auto-fill proposal content with client and project data	No dynamic data/variables	Basic variables only
Expiration dates	Automatically expire proposals after a set date	Proposal expiration dates	Manual expiry only
PDF Export	Download as branded PDFs	PDF export for proposals	PDF export included
Reusable content blocks	Create reusable proposal sections you can reuse on demand	No reusable content blocks	No reusable blocks
Legally binding e-signatures	Collect secure electronic signatures on proposals	E-signatures on proposals (limited)	Legally binding e-signatures
Custom proposal data fields	Create custom proposal data you can sort, filter, and report on	No custom proposal data fields	No custom proposal fields
CONTRACTS Collapse	Plutio 198/199	Indy 47/199	AND CO 38/199
Create and sign contracts	Create, send, and sign contracts in one continuous flow	Create and send contracts with legally binding e-signatures	Freelancers Union templates
Drag-and-drop contract builder	Create fully custom contracts with flexible layouts, no code or formatting limits	Template-based contract builder (not drag-and-drop)	Template-based only
Legally binding e-signatures	Collect secure signatures with audit trails and signer verification	Legally binding e-signatures on contracts	E-signatures with audit trail
Multi-signature / signees	Collect signatures from multiple people on the same contract	Single signer only	Single signer only
Reusable contract templates	Reuse contract structures to create new agreements faster	Reusable contract templates (lawyer-vetted)	Legal templates from Freelancers Union
Auto-reminders automation	Automatically follow up until contracts are signed	Manual follow-up reminders (Pro plan)	Manual reminders only
Dynamic data/variables	Auto-fill contract content with client and project data	No dynamic data/variables in contracts	Limited variables
Contract automation triggers	Trigger automated workflows the moment a contract is signed	Auto-create invoice when contract is signed (Pro plan)	Contract to invoice only
View notifications	See when contracts are opened and reviewed	Basic view notifications	View notifications included
PDF download with signature certificate	Download signed contracts with official proof of signature	PDF download of signed contracts	PDF with signature certificate
Custom signer data fields	Collect structured signer information during signing	No custom signer data fields	Standard fields only
Custom contract data fields	Create custom contract data you can sort, filter, and report on	No custom contract data fields	No custom contract fields
INVOICES & PAYMENTS Collapse	Plutio 198/199	Indy 47/199	AND CO 38/199
Create invoices and get paid	Send invoices and collect payments in one connected flow	Create and send invoices with online payments via Stripe and PayPal	Invoices with Stripe and PayPal
Fully branded invoices	Match invoices to your brand with custom logos, colors, and layout	Branded invoices with logo (Pro plan removes Indy branding)	Logo only, fixed templates
Drag and drop invoice builder	Create custom invoice layouts visually without formatting limits	Template-based invoice creation (no drag-and-drop)	Template-based only
Customizable line items	Edit pricing, quantities, descriptions, and structure freely	Customizable line items	Flexible line items
Item or invoice discounts	Apply discounts at the item or full invoice level	Basic discount support	Discounts supported
Customizable taxes	Create tax rules that match your location and use case	Tax rates on invoices	Basic tax configuration
ACH payments	Accept bank transfers for lower-fee payments	No ACH payments (Stripe and PayPal only)	ACH not supported
Stripe integration	Accept credit and debit cards instantly	Stripe integration for payments	Stripe payments included
Square integration	Collect in-person payments when needed	No Square integration	Square not supported
PayPal integration	Let clients pay using PayPal	PayPal integration for payments	PayPal payments included
Flexible partial payments	Collect deposits and split payments across milestones	Basic partial payment support	Deposits supported
Payment plans	Break invoices into scheduled installments	No payment plans	Deposits only, no installments
Automated recurring invoices	Automatically send invoices on a recurring schedule	Recurring invoices (Pro plan)	Automated recurring invoices
Subscription management	Manage ongoing client subscriptions and billing	No subscription management	Recurring invoices only
Automated payment reminders	Follow up automatically until invoices are paid	Automated payment reminders (Pro plan)	Auto reminders included
Reusable invoice templates	Reuse invoice layouts without rebuilding each time	Reusable invoice templates and line item templates (Pro plan)	Reusable templates
Multiple currency support	Bill clients globally in their local currency	Multiple currency support	Multi-currency invoicing
Invoice automation triggers	Trigger automated workflows when invoices are sent or paid	Auto-create invoice from signed contract (Pro plan)	Payment triggers only
View notifications	See when invoices are opened and paid	Notifications when invoices are viewed	View and payment alerts
Built-in expense tracking	Track project-related costs alongside invoices	No expense tracking	Full expense tracking
Invoice deposits	Collect upfront payments before work starts	No invoice deposits	Deposits supported
Auto-invoice billable time	Turn tracked time into invoices automatically	Convert tracked billable time to invoices	Time to invoice in one click
Custom invoice data fields	Create custom invoice data you can sort, filter, and report on	No custom invoice data fields	No custom invoice fields
INBOX Collapse	Plutio 198/199	Indy 47/199	AND CO 38/199
Centralized unified inbox	Manage email, chat, and messages from one shared inbox	No unified inbox	No unified inbox
Full email integration	Connect and manage all your email accounts in one place	No email integration	No email integration
Embeddable live chat	Add real-time chat to your website and client portals	No live chat	No live chat
Instant direct messages	Message teammates privately without leaving your workspace	No direct messaging	No direct messages
Contextual project conversations	Keep conversations tied directly to the project they belong to	No project conversations	No project messaging
Team channels	Create shared spaces for team-wide discussions	No team channels (solo tool)	No team channels
Customized channels	Organize channels by team, topic, or workflow	No channels	No channels
@mentions	Notify teammates instantly inside conversations	No @mentions	No @mentions
Message read receipts	See when messages are read	No messaging	No read receipts
File sharing in chat	Share files directly inside conversations	No chat	No chat file sharing
Shared email inbox	Collaborate on incoming emails as a team	No shared email inbox	Solo only, no shared inbox
Inbox mobile app	Access and respond to messages on mobile	No inbox feature	Mobile app available
Email reply to inbox	Reply from your email client and keep conversations synced	No inbox feature	No email reply support
FILES Collapse	Plutio 198/199	Indy 47/199	AND CO 38/199
Store and manage files	Keep all client and project files in one organized place	File storage with client sharing and approval workflow	No file storage
Advanced folder organization	Organize files by project, client, or structure you choose	Basic folder structure	No folder organization
Folder permissions	Control who can view or edit folders	No folder permissions (solo tool)	No folder permissions
People folders	Group files by person when needed	No people folders	No people folders
Project folders	Keep files scoped to each project	Files organized by project	No project folders
In-app previews	Preview files instantly without downloading	In-app file previews	No file previews
Custom file data fields	Capture file metadata you can sort and filter	No custom file data fields	No custom file fields
Built-in documents	Create and edit documents directly inside Plutio	No built-in document editor	No built-in documents
Comments on files and docs	Leave comments directly on files and documents	Comments on files with revision tracking	No file comments
Bulk file actions	Move, tag, or manage many files at once	No bulk file actions	No bulk file actions
Files search & filter	Find files quickly using search and filters	Basic file search	No file search
External cloud sync	Sync files with Google Drive or Dropbox	Google Drive integration via Zapier	No cloud sync
Secure sharing controls	Restrict access with permissions or passwords	Client-based file sharing	No file sharing controls
File sharing links	Share files externally with controlled access	Share files via client portal	No file sharing links
SCHEDULING Collapse	Plutio 198/199	Indy 47/199	AND CO 38/199
Schedule meetings	Let clients book meetings directly without back-and-forth emails	Built-in calendar with scheduling	No scheduling features
Branded booking page	Build a fully branded, customizable booking system using a drag-and-drop editor	No public booking page	No booking pages
Advanced availability management	Define flexible availability rules applied automatically to bookings	No availability management	No availability management
Automatic buffer times	Add buffer time automatically between meetings	No buffer times	No buffer times
Multiple meeting types	Create unlimited booking types with different rules and setups	No meeting type configuration	No meeting types
Calendar sync (Google/Outlook)	Two-way calendar sync that stays up to date automatically	Google Calendar sync	No calendar sync
Customizable booking confirmations	Fully customizable confirmation pages with no layout or branding limits	No booking confirmations	No booking confirmations
Redirect after booking	Send bookers anywhere after scheduling, not just a fixed thank-you page	No booking page	No booking redirects
Booking automation triggers	Trigger automated workflows the moment a meeting is booked	No booking automation	No booking automation
Smart meeting reminders	Send automatic reminders without manual follow-ups	Calendar reminders for events	No meeting reminders
Automatic timezone detection	Handle timezones automatically without manual adjustments	No timezone detection for bookings	No timezone handling
Paid appointments (Stripe/PayPal)	Collect payments during booking without extra steps	No paid appointments	No paid appointments
Custom booking forms	Build booking forms with full control over questions and layout	No booking forms	No booking forms
Minimum notice / daily booking limits	Set booking limits to control lead time and daily volume	No booking limits	No booking limits
Rescheduling and cancellation controls	Define flexible rules for rescheduling and cancellations	No rescheduling controls	No scheduling controls
AUTOMATION Collapse	Plutio 198/199	Indy 47/199	AND CO 38/199
Automated workflows builder	Build advanced workflows visually without code or rigid templates	Cross-tool automation between proposals, contracts, and invoices (Pro plan)	No automation builder
Trigger-based workflows	Start workflows from real events across projects, clients, and payments	Trigger-based automation for proposals, contracts, invoices (Pro plan)	No trigger workflows
Schedule-based workflows	Run workflows on schedules you control, not fixed intervals	No schedule-based workflows	No scheduled workflows
Multi-step workflows	Chain multiple actions into one continuous automation	Proposal to contract to invoice chain (Pro plan)	No multi-step workflows
True/False branching	Create conditional paths instead of one-size-fits-all flows	No branching logic	No branching logic
Delay-based actions	Add precise timing between steps, down to minutes or days	No delay-based actions	No delay actions
Create & update records	Create, update, or move records automatically across the system	Auto-create invoices from contracts (Pro plan)	No record automation
Move & duplicate records	Reorganize work automatically without manual cleanup	No automated move/duplicate	No duplicate actions
Delete & archive records	Automatically archive or remove records based on rules	No automated delete/archive	No delete automation
API calls (webhooks)	Trigger or receive real-time events from external systems	No API or webhooks	No webhooks or API
Send emails	Send automated emails tied to real workflow events	Automated email follow-ups for invoices (Pro plan)	No email automation
Post comments	Add notes or comments automatically where work happens	No automated comment posting	No comment automation
Complete automation logs	See exactly what ran, when, and why	No automation logs	No automation logs
Auto-fill data/variables	Pass data between steps dynamically without manual mapping	No auto-fill variables	No auto-fill variables
Cross-entity connections	Run workflows that span projects, tasks, proposals, invoices, and more	Proposals, contracts, and invoices linked (Pro plan)	No cross-entity actions
FORMS Collapse	Plutio 198/199	Indy 47/199	AND CO 38/199
Create branded forms	Build fully branded forms that match your workflow and client experience	Create web forms for lead capture and project info	No form builder
Drag-and-drop form builder	Design forms visually with full layout control, no code required	Basic form builder (not full drag-and-drop)	No visual form builder
Reusable form templates	Reuse form structures without rebuilding from scratch	Reusable form templates	No form templates
Custom form data fields	Collect structured data you can sort, filter, and report on	Basic form fields	No custom form fields
Smart conditional logic	Show or hide fields based on responses, not static forms	No conditional logic on forms	No conditional logic
Instant email notifications	Get notified immediately when forms are submitted	Email notifications on form submissions	No form notifications
Form automation triggers	Trigger automated workflows when a form is submitted	Add form respondents as contacts	No form automation
Embed forms	Embed forms anywhere without layout restrictions	Embed forms on websites	No embeddable forms
Advanced field preferences	Control required, hidden, and default field behavior	Basic field options	No advanced field options
Comprehensive field types	Collect text, files, dates, selections, and more	Basic field types (text, email, dropdown, etc.)	No form field types
Form signature field	Collect legally binding signatures directly inside forms	No signature field on forms	E-signatures in contracts
File upload fields	Accept file uploads as part of form submissions	File upload fields on forms	No form file uploads
Redirect after submission	Send submitters to a custom next step, not a fixed thank-you page	Thank you message (no custom redirect)	No form redirects
CRM Collapse	Plutio 198/199	Indy 47/199	AND CO 38/199
Manage clients and leads	Manage contacts and companies in one connected system	Basic contact management for clients	Contact database included
Full company management	Track organizations, not just individual contacts	No company management (individual contacts only)	No company management
Custom contact data fields	Collect and manage structured contact data you define	No custom contact fields	Basic contact fields
Complete activity timeline	See every interaction with a client in one place	Basic client activity (invoices, contracts, proposals)	Invoice and proposal history
Contacts labeling and grouping	Organize contacts flexibly without rigid pipelines	Basic contact organization	No contact tagging
WIKI Collapse	Plutio 198/199	Indy 47/199	AND CO 38/199
Comprehensive knowledge base	Create an internal wiki for processes, docs, and guides	No knowledge base or wiki	No knowledge base
Beautiful rich text pages	Write structured, formatted content without complexity	No wiki pages	No rich text pages
Unlimited nested pages	Build deep knowledge hierarchies without limits	No wiki pages	No nested pages
Granular page permissions	Control exactly who can view or edit each page	No wiki pages	No page permissions
DASHBOARDS Collapse	Plutio 198/199	Indy 47/199	AND CO 38/199
Custom dashboards and pages	Build dashboards around what matters to you, not fixed metrics	No custom dashboards	Basic overview dashboard
Drag-and-drop dashboard builder	Design dashboards visually with full layout control	No dashboard builder	No dashboard builder
Charts widget	Visualize data with customizable charts	No charts	Revenue charts only
Metrics widget	Track key numbers without manual reporting	No metrics widgets	Basic business metrics
Goals widget	Monitor progress toward defined goals	No goals widget	No goals widget
Notes widget	Add contextual notes directly to dashboards	No dashboard widgets	No notes widget
Calendar widget	View upcoming events alongside work and metrics	No dashboard widgets	No calendar widget
Financial widgets	Track revenue and expenses in the same view	No financial widgets	Revenue and expense tracking
BRANDING Collapse	Plutio 198/199	Indy 47/199	AND CO 38/199
White-label and branding	Run the entire platform under your brand	White labeling to remove Indy branding (Pro plan)	Logo only on Pro plan
Custom interface theme	Apply your brand colors across the system	No custom interface theme	No interface theming
Stylesheet customization	Fine-tune styling beyond basic theming	No stylesheet customization	No CSS customization
Custom login/signup pages	Use branded authentication pages instead of generic screens	No custom login pages	No custom login pages
Email branding	Send all system emails with your branding	Remove Indy branding from emails (Pro plan)	Logo in emails on Pro
Custom brand fonts	Use your own fonts throughout the platform	Custom fonts on proposals and contracts (Pro plan)	No custom fonts
Custom brand logos	Replace all platform logos with your own	Custom logo on documents	Logo in Pro plan only
Custom domain name	Run everything on your own domain	No custom domain	No custom domain
Custom email SMTP	Send emails from your own email infrastructure	No custom SMTP	No custom SMTP
Full workspace embedding	Embed Plutio directly into your website or product	No workspace embedding	No workspace embedding
CUSTOMIZATION Collapse	Plutio 198/199	Indy 47/199	AND CO 38/199
Flexible workspace setup	Shape the platform to match how your business works	Basic workspace with tool selection	Fixed workspace
Main menu editor	Add, remove, or reorder navigation items freely	No menu editor	Fixed menu
User-based menus	Show different navigation for different roles	No user-based menus (solo tool)	Solo only, no roles
Custom user roles	Create role types beyond preset permissions	No custom user roles (solo tool)	No custom roles
Advanced user permissions	Control access at a granular level	No user permissions (solo tool)	No permissions
SSO / OAuth	Support enterprise-grade single sign-on	Google sign-in	No SSO support
INTEGRATIONS Collapse	Plutio 198/199	Indy 47/199	AND CO 38/199
Connect with other tools	Integrate with external systems without lock-in	Zapier, Google Calendar, Stripe, PayPal integrations	Limited integrations
Zapier integration	Connect to thousands of apps without custom code	Zapier integration (5,000+ apps)	Zapier supported
Make.com integration	Build advanced automation scenarios visually	No Make.com integration	No Make.com support
Pabbly Connect	Connect services without usage-based limits	No Pabbly Connect integration	No Pabbly support
Full REST API access	Build custom integrations with full system access	No public API	Limited API via Postman
Incoming & outgoing webhooks	Send and receive real-time events	No webhooks	No webhooks
PLATFORM Collapse	Plutio 198/199	Indy 47/199	AND CO 38/199
Mobile apps	Access your business from native mobile apps	Mobile web app (beta, no native app)	iOS and Android apps
iOS app	Full-featured iPhone app	No native iOS app (mobile web only)	iOS app available
Android app	Full-featured Android app	No native Android app (mobile web only)	Android app available
Mac desktop app	Native macOS app for desktop workflows	No desktop app (web-based)	No Mac app
Windows desktop app	Native Windows app for desktop workflows	No desktop app (web-based)	No Windows app

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Indy vs AND CO FAQ

Is Indy or AND CO better for freelancers?

Both cover the freelance basics. Indy is more actively developed and includes Kanban task boards, but the free plan caps at 3 documents per type per month and there's no mobile app. AND CO has no hard monthly document caps on the free plan and has a mobile app on iOS and Android, but development has largely stalled since the Fiverr acquisition. Indy fits freelancers who can afford the $18.75/month Pro plan. AND CO fits freelancers who need the free tier to cover more volume.

Does AND CO have project management?

Not in any meaningful sense. AND CO treats projects as containers for documents, time logs, and invoices. There is no task board, no Kanban view, no Gantt chart, and no way to manage actual work delivery inside AND CO's product. Indy has Kanban task boards, which goes further, but both tools stop well short of what platforms with real project management include.

Which is easier to set up, Indy or AND CO?

Both set up within a few hours. AND CO has fewer settings to configure because the feature set is narrower. Indy's Kanban boards and task system add a bit more to configure. Neither requires technical knowledge or a setup period measured in days. Most freelancers can send their first proposal the same day they sign up for either tool.

Can I white-label Indy or AND CO?

No. Neither tool offers white-labeling or a custom domain for the client portal. Clients access documents and invoices through Indy's or AND CO's URLs and interface, not your own domain. For freelancers where brand experience matters, look at platforms like Plutio that support custom domains on every plan.

How much does Indy cost vs AND CO?

Indy's free plan has a hard cap at 3 proposals, 3 contracts, and 3 invoices per month. The Pro plan is $25/month (monthly) or $18.75/month (annual). AND CO's free plan has no hard monthly document caps. AND CO Pro runs around $18/month. Both tools lack team plans at any price point.

Which has better automation, Indy or AND CO?

Neither tool has automation. Both require manual steps between every phase of the client workflow: proposals don't trigger contracts automatically, signed contracts don't create projects, and completed projects don't generate invoices without manual action. Freelancers looking for automation between workflow stages need a platform that connects these steps, like Plutio's proposal-to-project automation.

Do Indy and AND CO have team plans?

No. Neither Indy nor AND CO has a team plan or multi-user access at any price point. Both are built exclusively for solo freelancers. As soon as a freelance operation includes even one contractor, bookkeeper, or collaborator, both tools hit a wall. Platforms like Plutio include team seats and role-based permissions.

Does Indy have a mobile app?

No. Indy has no mobile app. All time tracking, invoice sending, and client communication happens in the browser. AND CO has a mobile app on iOS and Android that covers time tracking, invoice sending, and basic project access. For freelancers who track time away from a desk or need to send invoices from their phone, AND CO is the only option between the two.

Can I migrate from Indy to AND CO or vice versa?

Yes, but it requires manual work. Neither tool has a direct import from the other. Client lists can be exported as CSV and imported, but proposals, contracts, and active invoices will need to be recreated in the new tool. Budget a few days for migration depending on how many active clients and documents are involved.

What if neither Indy nor AND CO fits my workflow?

If you need automation, real project management, custom-domain portals, or team access, look at platforms that handle the complete client lifecycle. Key features to look for: workflow automation that connects proposals to projects, task-level time tracking that flows into invoices, custom domains for client portals, and team seats. Plutio is one platform that covers all of these. The comparison table on this page shows how it stacks up feature by feature.

Is AND CO still being developed?

Minimally. AND CO was acquired by Fiverr and has received limited updates since. Users on G2 and community forums report no major feature additions in years and describe AND CO as stagnant. The core functions still work, but the gap between AND CO and actively developed alternatives is widening. Freelancers choosing AND CO should factor in the long-term trajectory of a tool with uncertain development momentum.

Do Indy and AND CO support recurring invoices?

Both tools support recurring invoices that send on a schedule. But neither has automatic recurring payment collection. Clients still need to manually pay each invoice when it arrives. For retainer clients who expect automatic monthly charges, both tools require a workaround, such as a separate Stripe subscription. Platforms with built-in subscription billing automate this without the extra setup.

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