One place for your money, your books,
and everything in between.
$0/mo banking · Accounting from $25/mo · Bookkeeping from $59/mo · 57 free tools
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.
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
- 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, P&L reports, and reconciliation — all connected to your account.
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.
Like QuickBooks, but connected to your banking.*
We handle it. You don't.
Every transaction categorized. Books closed monthly. Reports ready when you need them. You just review and approve.
Done for you
- All Software features, plus:
- Automated monthly close
- Smart categorization rules
- Receipt matching
- Cash flow forecasts
- Tax-ready reports
Best for: Anyone who'd rather spend zero hours on bookkeeping.
Free when you keep $10K+ in your Holdings account.*†
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.
Getting started takes about 5 minutes. 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 57 free tools — invoice generators, tax calculators, budget templates, and more. No signup needed.
Free for everyone
57 free tools. No signup needed.
Invoice generators, tax calculators, budget templates, financial checklists, and more — 57 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.
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.
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.
Frequently asked questions
How much does Holdings cost?
Start free with banking and invoicing. $25/mo for full accounting. $59/mo if you want us to close your books for you. 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. And at $59, we handle everything for you.
What are the free tools?
57 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. Accounting from $25/mo. Bookkeeping from $59/mo. 57 free tools. One place for everything.
No credit check · Takes 5 minutes · FDIC insured up to $3M*