You run your business. We’ll handle the money side.
AI bookkeeping, cash flow tools, and real support — so you can stop worrying about finances and get back to what you actually do.
Three ways to use Holdings
Pick how involved you want to be
Whether you want a quick snapshot, full control, or to never think about it again — we’ve got you.
Know where you stand
Connect your bank and get a clear picture of what’s coming in, what’s going out, and whether you’re on track. No spreadsheets. No guesswork.
Best for: Business owners who want clarity without complexity.
- Cash flow overview
- Spending breakdown
- Connected bank accounts
- 35+ business tools included
Free for nonprofits
Stay on top of it yourself
Full financial tools — categorize transactions, run reports, send invoices, get paid. You’re in control, and we make the hard parts easier.
Best for: Hands-on owners who want to manage their own finances.
- Everything in $5, plus:
- Transaction categorization
- P&L + balance sheet reports
- Invoicing + payment collection
- Bank reconciliation
We handle it. You focus on your business.
Your transactions get categorized, your reports get built, and your month gets closed — automatically. You review. That’s it.
Best for: Owners who’d rather spend their time on what they’re good at.
- Everything in $25, plus:
- Automated monthly close
- Smart categorization rules
- Receipt matching
- Cash flow forecasts
Free with $10K+ banking balance
30-day free trial on all paid plans. No credit card required.
Compare everything side by side →How it works
Getting started takes about 5 minutes
Tell us about your business
Quick setup — business type, what you need, how involved you want to be.
Connect your bank
We pull in your transactions securely through Plaid. You’ll see your money start to organize itself.
Get the full picture
Cash flow, spending, revenue, profitability — updated as your money moves. Check in anytime, or let us send you a summary.
Want to do more? Every plan includes 35+ business tools — invoices, tax calculators, budgets, and more.
Included with every plan
Need something done? There’s a tool for that.
Invoices, tax estimates, budgets, P&L reports, checklists — 35+ tools you can use right now. Included with every plan.
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 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 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 itTime Tracker
Track billable hours and export timesheets. Built for freelancers.
Try itAdd free banking
A business bank account that actually helps you
No fees. No minimums. 1.75% APY. And it connects to everything else in Holdings — so your money organizes itself.
No monthly fees
Your money stays yours. No minimums, no surprise charges.
1.75% APY
Your balance earns interest. Calculated daily, paid monthly.
FDIC insured up to $3M
Protected through i3 Bank and partner banks.
Everything connects
Transactions flow into your financial picture automatically. No importing, no syncing.
Keep $10K+ in your account → your $59/mo plan is included free.
Your money pays for your back office.
Sarah Chen, Design
Business Checking
$18,420.33
↑ $26.86 earned this month (1.75% APY)
Recent transactions
Real businesses. Real results.
People like you, running businesses like yours
★★★★★
The relief of clarity
“I finally understand where my money goes every month. The dashboard just makes sense — no accounting degree needed.”
Spencer Gunnell
Business owner · Trustpilot review
★★★★★
The pride of control
“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)
★★★★★
The freedom of delegation
“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
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
How much does Holdings cost?
Plans start at $5/mo for a clear picture of your finances. $25/mo if you want full control. $59/mo if you want us to handle it. Banking is free with any plan. 30-day trial on everything.
Do I need to be good with numbers?
No. Seriously. The $5 plan just shows you what’s happening — connect your bank and we do the rest. If you want to go deeper, the tools walk you through it. And at $59, you don’t need to think about it at all.
What are the free tools?
35+ 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 bank 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?
Use any tool free, no account needed. Or start a 30-day free trial on any paid plan — no credit card required. 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.
You’ve got a business to run.
Let us worry about the money side. Plans from $5/mo. 30-day free trial.
35+ tools included · Free banking available · FDIC insured up to $3M