Get paid. Your books
update themselves.
The only business account that is your books. Get paid by invoice, link, or QR — and it's already in your books. No bank feed, no CSV, no month-end close.
Which one are you?
One account. The money and the books, together.
Getting started takes about 5 minutes. The rest mostly runs itself.
Three steps from sign-up to a working back office.
Sign up free
Tell us about your organization and pick your plan.
Build your workspace
We pull in your transactions securely through Plaid. You’ll see your money start to organize itself.
Run your finances from one place
Cash flow, invoices, expenses, and profitability — updated live. Check in anytime, or let your books close themselves.
Want to do more? Explore 62 free tools — invoice generators, tax calculators, budget templates, and more. No signup needed.
- FDIC insured up to $3M (via i3 Bank, Member FDIC)
- 256-bit encryption
- SOC 1 compliant
- No lock-in — export anytime
Free for everyone
62 free tools. No signup needed.
Invoice generators, tax calculators, budget templates, financial checklists, and more —62 free tools you can use right now. Free for everyone.
Invoice Generator
Create professional invoices in seconds. Download as PDF or send directly.
Try it1099-NEC Generator
Generate and download a properly formatted 1099-NEC form in seconds.
Try itSelf-Employment Tax Calculator
Calculate SE tax, federal & state income tax, and quarterly payments.
Try itP&L Generator
Generate profit and loss statements with automatic margin calculations.
Try itBank Fee Calculator
See how much you're overpaying in bank fees. Compare to Holdings.
Try it501(c)(3) Checklist
Step-by-step IRS formation checklist for starting your nonprofit.
Try itTime Tracker
Track billable hours and export timesheets. Built for freelancers.
Try itAdd free banking
A bank account that's actually part of your workflow
Most business bank accounts just hold your money. This one connects to your accounting, feeds your reports, and earns 1.75% APY† while it sits there.
No monthly fees
Your money stays yours. No minimums, no surprise charges.
1.75% APY
Your balance earns interest. Compounded and credited monthly.†
FDIC insured up to $3M
Protected through i3 Bank and partner banks.
Your accounts connect
Transactions flow into your financial picture automatically. No importing, no syncing.
Run a nonprofit? → free banking + a free verified public profile.
Claim your profile in our directory — fund accounting from $25/mo.
Sarah Chen, Design
Business Checking
$18,420.33
↑ $26.86 earned this month (1.75% APY)
Recent transactions
Add real accounting
Books that keep themselves — for $25/mo.
Replace QuickBooks with accounting that's already connected to your money. No imports, no syncing — your transactions are already there.
Your books, kept current for you
Real double-entry accounting that categorizes itself from your connected accounts — not a spreadsheet you babysit.
Send invoices and quotes
Branded invoices and estimates, with what's owed tracked right alongside your books.
Always know where you stand
A live P&L and Balance Sheet that update as money moves — ready for tax time, your CPA, or a loan application.
The month-end close, gone
When the payment and the entry are the same event, there's nothing to reconcile. The books are just… done.
One event. The money moves and the books update at the same time.
With everyone else, a payment lands in the bank and the books catch up later — if the feed works. Here, the payment and the journal entry are the same thing. There's nothing to reconcile.
No bank feed. No CSV. No month-end close.
Who it's for
Built for the people who keep it all running.
You didn't start this to spend your nights in a spreadsheet. Holdings takes the money side off your plate — whatever you're building.
Owners & freelancers
Run your business. We'll handle the money side.
Zero-fee banking with auto-categorized double-entry books — so the books get done without hiring a bookkeeper. Add invoices and quotes when you need them.
For freelancers & owners →Treasurers & volunteers
Know exactly where the money is — without learning accounting.
A sub-account for every program plus nonprofit statements (Activities, Financial Position, Net Assets). Walk into the board meeting confident.
For nonprofits →Founders & startups
See your cash and runway in real time.
Every account and card flows into one live picture, earning 1.75% APY while it sits. Export to QuickBooks, Xero, or CSV whenever your investors ask.
For startups →Online sellers
Know your real margins, not just your payouts.
Transactions categorize themselves and your books build as you go — with a live P&L and Balance Sheet, plus a Bookkeeper view-only role so your accountant can help without handing over the keys.
For e-commerce →For nonprofits & churches
Run your whole mission from one place.
Know exactly where your money is — without learning accounting. Free banking, accounting that speaks your language (from $25/mo), and a verified public profile, built for 501(c)(3)s and faith organizations, not bolted on as an afterthought.
Books that speak nonprofit
Real double-entry accounting in your language — Statement of Activities, Financial Position, and Net Assets, auto-categorized and export-ready for your CPA. $25/mo.
A free verified profile
Claim your spot in the nonprofit directory — a verified badge, a custom profile page, and a permanent SEO backlink. Free, forever.
Banking built for the mission
Zero-fee accounts with a sub-account for every program, plus Giving Accounts that donate 0.5% of your balance automatically. FDIC insured up to $3M.
Real reviews. Real businesses.
People like you, running businesses like yours
★★★★★
“I had a fantastic onboarding experience with Holdings. The process was smooth, and their team was incredibly helpful every step of the way. Customer service was top notch: responsive, friendly, and genuinely invested in making sure everything went right.”
Spencer · July 2025
Trustpilot review★★★★★
“This transition will support our mission by streamlining how we manage donor contributions and program impact — helping us better serve cancer patients in need.”
Phil Brown, CEO · Needs Beyond Medicine
Customer story · 501(c)(3)
★★★★★
“We've been using Holdings to save our LLCs extra cash and earn interest for about a year now. Everything has been great including the customer service.”
Paul · November 2024
Trustpilot reviewReal support, real humans
What customers tell our support team
“That's amazing! A six-minute turnaround time for email support is incredible!”
Brittany · after support resolved a deposit issue in minutes
“Thank you so much, I really appreciate this great support, really feel listened to.”
A Holdings customer · via text with our support team
“Great, thank you. I am looking forward to working with you.”
Phil · during onboarding with support
From real emails and texts to Holdings support · Mon–Fri, 8 am–6 pm MT · support@getholdings.com
Trust & security
Your money. Protected.
Enterprise-grade security for your money.
Deposits held at i3 Bank, Member FDIC. Extended FDIC coverage up to $3,000,000 per depositor through our partner bank sweep network.
Three tools to do one job
You're paying for a stack to do one job.
A bank, an accounting app, and an invoicing tool — three subscriptions glued together with imports, plus hours of reconciling them every month. Holdings is one product, so the other tools never existed.
fees on many incumbents
Simple Start → Plus
FreshBooks, Bill, etc.
importing, matching, chasing the bank feed
plus the close, every single month
1.75% APY, no account fees
double-entry, P&L + balance sheet
unlimited, branded
the payment is already in your books — no month-end close
banking is free; accounting + invoicing is the only line item
Drop two subscriptions and the monthly close. Most owners save $20–125/mo — and get back the hours they used to spend reconciling.
Ways to use Holdings
Pick how involved you want to be.
Whether you want a quick snapshot or full control of your books — we've got you.
See the full picture
Connect your bank account and get instant clarity — what's coming in, what's going out, and whether you're on track.
No credit card required
- Free business checking*^ (FDIC insured up to $3M)
- 1.75% APY† on balances
- Unlimited invoicing + payment links & QR
- Visa debit card* + sub-accounts
Best for: Anyone who wants real banking and invoicing without paying for accounting they don’t need yet.
Take full control
Double-entry accounting, invoicing with estimates, and live P&L reports — all native to your account, so the books are always closed.
The essentials
- All Free features, plus:
- Full double-entry accounting
- Invoicing + estimates
- P&L + Balance Sheet reports
- Transaction categorization + rules
- Bank reconciliation
Best for: Hands-on owners who want to manage their own finances — or whose CPA wants clean books.
Nonprofit? Accounting software with nonprofit statements at the same $25/mo — plus a free verified profile.*
Holdings is a financial technology company, not a bank. Banking services provided by i3 Bank, Member FDIC. Deposits insured up to $3M through program banks. APY is variable, compounded and credited monthly.
Frequently asked questions
How much does Holdings cost?
Start free with banking and invoicing. $25/mo for full accounting. Banking is included at every tier.
Do I need to be good with numbers?
No. The free plan gives you banking and invoicing — no accounting required. If you want to go deeper, the $25 plan walks you through it with AI-suggested categories and guided reconciliation.
What are the free tools?
62 free tools for invoices, tax estimates, budgets, P&L reports, expense tracking, nonprofit checklists, and more. Use them without an account. They’re included with every plan. See all tools.
Do I have to open a business account?
Nope. Holdings works with your existing bank — we connect through Plaid. But if you add Holdings banking (free), your transactions flow in automatically and your balance earns 1.75% APY.
Is my money safe?
Yes. Deposits are held at i3 Bank, Member FDIC, insured up to $3M. We use 256-bit encryption and are SOC 1 and PCI DSS certified.
What if I just want to try it?
Start free — banking and invoicing at $0/mo, no credit card required. Upgrade to accounting or bookkeeping anytime. If it’s not for you, cancel anytime.
Can I switch plans?
Anytime. Upgrade, downgrade, or cancel in one click. Your data carries forward.
How is this different from QuickBooks / Xero / Wave?
Those are accounting software. Holdings is accounting + banking + tools + automation in one place. Depending on your plan, we either help you do it or do it for you. And our pricing starts way lower. See comparisons.
Resources
Learn how to manage your business finances
Guides and comparisons to help you make smarter financial decisions for your business.
Best Business Bank Accounts in 2026
Side-by-side comparison of fees, APY, and features across the top platforms.
How to Open a Business Bank Account
Step-by-step guide with document requirements for every business type.
Business Checking vs Savings
When you need both, when one is enough, and how the math works in 2026.
How to Read a Profit & Loss Statement
Plain-English guide to the most important report your business produces.
Bookkeeping vs Accounting
What each one covers, when you need which, and what to outsource.
Ready?
You've got a business to run.
Free checking at 1.75% APY. Full accounting from $25/mo. 62 free tools. One place for everything.
No credit check · Takes 5 minutes · FDIC insured up to $3M*
Not ready? Read Calm Finance — our quarterly letter on building businesses that last. Free, no spam.