Free tools for every part of your business
Invoicing, expense tracking, tax tools, accounting — and a free bank account that connects it all.
Free tools
What do you need to do today?
Pick a tool and start — no account needed. Save your work when you're ready.
Invoice Generator
Create professional invoices in seconds. Download as PDF or send directly.
Try it newSelf-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 itExpense Report
Track expenses, snap receipts, and export clean reports for your records.
Try it popularBank 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 it1099-NEC Generator
Generate and download a properly formatted 1099-NEC form in seconds.
Try itTime Tracker
Track billable hours and export timesheets. Built for freelancers.
Try itHow it works
Use a tool. It connects to everything.
Start with any tool for free. Create an account to save your work. Add banking and everything flows together.
Use any tool
No account neededCreate an invoice, calculate taxes, or track expenses. Free, right now.
Invoice #1042
Create a free account
Free — 2 minutesYour tools save to your books automatically. P&L, balance sheet, and reports update in real time.
Accounts Receivable
Add free banking
Free — 10 minutesClient pays → it’s already categorized. Your books are always up to date.
Business Checking
Included free
Your tools come with a bank account and accounting software
No separate subscriptions. No QuickBooks. No monthly fees. Everything in one login.
Free business checking
No monthly fees, no minimums. FDIC insured up to $3M through i3 Bank and partner banks.
Full accounting software included
P&L, balance sheet, cash flow reports — auto-updated from your transactions.
Debit cards with controls
Physical + virtual. Set limits per card. Spending auto-categorized.
1.75% APY on every dollar
Your money grows while it sits. Calculated daily, credited monthly.
Need more automation? Pro is $19/mo →
Sarah Chen, Design
Business Checking
$18,420.33
↑ $26.86 earned this month (1.75% APY)
Recent transactions
How is this free?
Holdings earns revenue the same way every bank does — through interchange fees when you use your debit card, and interest earned on deposits held with our banking partner, i3 Bank.
We don't charge you because we don't need to. The banking model funds the tools, the accounting software, and the platform. The more you use Holdings, the more it works for both of us.
No data selling. No hidden fees. No minimum balance tricks. See our full pricing →
Trusted by businesses like yours
What our customers say
★★★★★
"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."
Spencer Gunnell
Business owner · Trustpilot review
Set up in under a week
★★★★★
"This transition is streamlining how we manage donor contributions and program impact — helping us better serve cancer patients in need."
Phil Brown, CEO
Needs Beyond Medicine · 501(c)(3)
Nonprofit banking + fund accounting
★★★★★
"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 B
Multi-entity LLC · Trustpilot review
Earning 1.75% APY across accounts
Trust & security
Your money. Protected.
Same security as the world's largest financial institutions.
Deposits held at i3 Bank, Member FDIC. Extended FDIC coverage up to $3,000,000 per depositor through our partner bank sweep network.
Frequently asked questions
Who is Holdings designed for?
Holdings is built for businesses that want banking and accounting in one place — from freelancers and agencies to e-commerce brands, nonprofits, and startups. Our platform helps teams manage finances in one dashboard so they can focus on what they do best.
How do Giving Accounts work?
Supporters open a personal banking account linked to your nonprofit. They earn 0.5% APY on their balance, and Holdings matches that 0.5% as a direct contribution to your organization. It’s passive, recurring revenue — no donation asks required.
Is Holdings FDIC insured?
Yes. Holdings accounts are FDIC insured up to $3 million through our banking partner network. We’re also SOC 1 Type II certified, meaning your financial data meets enterprise-grade security standards.
What does it cost?
Banking, accounting software, and business cards are completely free — zero monthly fees, zero transaction fees. If you want a dedicated bookkeeper to handle your monthly close, plans start at $100/month based on your revenue. See our pricing page for full details.
How is this free? What's the catch?
No catch. Holdings makes money the same way every bank does — through interchange (the small fee merchants pay when you use your debit card) and interest on deposits. We don't need to charge you a subscription because the banking model funds everything. The tools are free because they make the banking better.
How long does it take to open an account?
Most accounts are approved within minutes. You’ll need basic business documentation — an EIN for LLCs and nonprofits, or an SSN for sole proprietors — no branch visits, no fax machines, no waiting weeks.
Resources
Learn how to manage your business finances
Guides and comparisons to help you make smarter banking and accounting decisions.
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.
One login. Your tools, your bank, your books.
Start with any tool. We'll be here when you need more.