Softwr

Proposals · head to head

Indy vs Maxio

Indy logo

Indy

Proposals

Freelance workflow suite covering proposals, contracts, invoices and time tracking with a usable free tier

From
Free
Rated
-
Full reviewWebsite
Maxio logo

Maxio

Accounting

Billing and financial reporting platform for B2B SaaS companies

From
$599/month
Rated
-
Full reviewWebsite

The short version

  • Only Indy has a free tier, so it costs nothing to try first.
  • Each has a real cost: Indy the free tier caps documents per month, and an active freelancer passes those caps quickly enough that the free plan is a trial in practice rather than a permanent option.; Maxio entry-level Grow plan starts at $599/month, making it costly for very early-stage startups.
  • They diverge on capability: Indy covers Contract library, Maxio covers Usage-based billing.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Indy and Maxio actually diverge.

Attributes where Indy and Maxio differ
AttributeIndyMaxio
Starting priceFree$599/month
Pricing modelquotesubscription
Free tierYesNo
PlatformsWeb, iOS, Androidweb, api
CategoryProposalsAccounting

Identical on both: user rating (Not yet rated).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Indy

  • Contract library
  • Proposals
  • Invoicing
  • Time tracking
  • Task and calendar
  • Client portal
  • Free tier

Only in Maxio

  • Usage-based billing
  • Subscription management
  • Revenue recognition
  • SaaS metrics dashboards
  • Dunning and collections
  • Accounting and CRM integrations

What people use each for

The jobs each tool is most often brought in to do.

Indy

  • A new freelancer who needs a real signed contract before there is revenue to fund a subscriptionnot Maxio
  • Testing whether an all in one freelance bundle suits your workflow before committing money to onenot Maxio
  • Part time or side project freelancing with low monthly document volume that stays inside the free capsnot Maxio
  • Replacing an unsigned emailed quote with a proposal that converts into a contract and an invoicenot Maxio

Maxio

  • Billing for B2B SaaS companies with complex contractsnot Indy
  • Usage-based and hybrid pricing meteringnot Indy
  • GAAP/IFRS revenue recognition for finance teamsnot Indy
  • SaaS metrics reporting for investors and boardsnot Indy

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Indy

  • The free tier caps documents per month, and an active freelancer passes those caps quickly enough that the free plan is a trial in practice rather than a permanent option.
  • Project management and task tracking are shallow, so anyone running several concurrent projects will keep a separate tool and lose the single system benefit.
  • Reporting on income, utilisation and profitability is thin next to a dedicated accounting or time tracking product.
  • Payments are processed by a third party gateway, so the card fee applies on top of the subscription and materially changes the cost per invoice on small jobs.
  • As with every bundle, leaving means separating proposals, contracts, time and invoices out of one export, which is harder than replacing a single purpose tool.

Maxio

  • Entry-level Grow plan starts at $599/month, making it costly for very early-stage startups.
  • Pricing above the Grow tier requires a custom quote rather than transparent self-serve pricing.
  • Focused specifically on B2B SaaS billing, so it lacks general e-commerce checkout or consumer payment features found in platforms like FastSpring.
  • Advanced features like multi-entity support and expense amortization are gated behind paid add-ons.

Pricing, plan by plan

Indy

Free
  • Indy$undefined/year
    • Free tier with monthly document limits
    • Proposals, contracts and invoices
    • Time tracking and tasks

Maxio

$599/month
  • Grow$599/month
    • For businesses up to $100k in monthly billings
    • Usage-based and recurring billing
    • Automated invoicing and dunning
  • Scale$undefined/month
    • For businesses over $100k in monthly billings
    • Advanced revenue management add-ons
    • Multi-entity support

Which should you pick?

Choose Indy if

  • You need contract library.
  • You want to start without paying.
  • You work on Web, iOS, Android.
  • You also want proposals.
Indy review

Choose Maxio if

  • You need usage-based billing.
  • You work on web, api.
  • You also want subscription management.
Maxio review

Questions people ask

Is Indy or Maxio better?
Neither clearly leads. Indy starts at Free and Maxio at $599/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Indy or Maxio?
Indy has a free tier; the other does not. Paid plans start at Free for Indy and $599/month for Maxio.
Does Indy or Maxio run on more platforms?
Indy runs on Web, iOS, Android. Maxio runs on web, api.
Can I use Indy for free?
Yes. Indy has a free tier, so you can try it without paying. Maxio starts at $599/month.
What is Indy best used for?
Indy is most often used for a new freelancer who needs a real signed contract before there is revenue to fund a subscription, testing whether an all in one freelance bundle suits your workflow before committing money to one, part time or side project freelancing with low monthly document volume that stays inside the free caps, replacing an unsigned emailed quote with a proposal that converts into a contract and an invoice. Of those, a new freelancer who needs a real signed contract before there is revenue to fund a subscription and testing whether an all in one freelance bundle suits your workflow before committing money to one are not what Maxio is typically brought in for.
What can Indy do that Maxio cannot?
Indy covers Contract library, Proposals, Invoicing, Time tracking. Maxio covers Usage-based billing, Subscription management, Revenue recognition, SaaS metrics dashboards.

Answered from the vendors’ own pages

Indy: Is the free tier actually usable?

Yes, for real signed contracts and invoices, but it caps documents per month and active freelancers hit that fairly quickly.

Maxio: What does Maxio cost?

Maxio's Grow plan costs $599/month for businesses with up to $100k in monthly billings. Businesses above that threshold need the Scale plan, which requires a custom quote from Maxio's sales team.

Source
Indy: Does it take a percentage of invoices?

The payment gateway charges its standard card fee. That is separate from the subscription and should be modelled per invoice.

Maxio: Is there a free plan?

No, Maxio does not offer a free plan. The Grow plan at $599/month is the entry point, with unlimited users included at no extra cost.

Source
Indy: Can it manage several concurrent projects?

Only lightly. The task and project features are the weakest part of the product.

Maxio: What does Maxio integrate with?

Maxio integrates with accounting systems like QuickBooks, Xero, and NetSuite, CRMs including Salesforce, HubSpot, and Pipedrive, and 20+ payment gateways alongside its own Maxio Payments.

Source
Indy: Are the contracts legally sound?

They are standard freelance templates with editable clauses. They are a starting point, not legal advice for your jurisdiction.

Indy: Who is it wrong for?

Agencies, anyone with subcontractors, and freelancers who need real project management or detailed profitability reporting.

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