Free accounting software for small business — or let us handle it for you
Run your own books with built-in accounting software, or hand them off to a dedicated bookkeeper who closes them every month.
Accounting overview
January 2026Revenue
$42,680
+8.2%
Expenses
$18,340
+3.1%
Net profit
$24,340
+12.4%
Profit and loss
Which option is right for you?
Select the statements that describe your situation
For founders who want control and visibility
- All accounts in one workspace
- Bulk categorization and reconciliation
- P&L, balance sheet, cash flow reports
- Accrual and cash basis support
- General ledger and journal entries
For founders who want clean books without the work
- Dedicated bookkeeper for your account
- Monthly close and reconciliation
- Always-current P&L and cash flow
- Tax-ready books for your accountant
- Vetted tax professional introductions
How much time will you save?
Calculate your potential time savings with our interactive calculator
Everything you need to keep books clean yourself
Overview Dashboard
See which months are closed and which still need work. Uncategorized transactions and reconciliation to-dos surface in one view so you know exactly where to focus.
- Focus on a specific month or date range
- Jump directly into uncategorized transactions
- Track progress across months at a glance
Accounting Overview
To-do:
Connected Accounts
Holdings Checking
Bank
Holdings Cards
Cards
Chase Business
External
Transaction Workspace
All your accounts in one place. Holdings banking, cards, and any external bank feeds flow into the same workspace.
- Bulk categorize with one action
- Split transactions across categories
- Attach receipts and notes inline
- Export to Excel for offline review
Reports
P&L, balance sheet, and cash flow — ready to share with investors, lenders, or your tax pro without reformatting.
- Filter by date range, entity, or account
- Switch between cash and accrual basis
- Download in Excel/CSV instantly
Available Reports
Chart of Accounts
General Ledger
Full chart of accounts with balances, journal entries, and reclassification tools — everything you need for audits and deeper analysis.
- Search and filter by account or date range
- Edit or reclassify entries directly
- Create manual journal entries
- Export ledger data to Excel
Don't want to do your own books?
Hand it off to a dedicated bookkeeper who knows your business. Books delivered by the 10th — guaranteed.
Learn about bookkeepingWorks with your existing tools
Connect, export, and collaborate without switching platforms
Native Integrations
Connect directly with QuickBooks, Xero, and other major accounting software — no manual imports needed.
External Accounts
Connect external bank and credit card accounts for a complete financial picture.
CPA Access
Grant read-only access to your CPA or accountant — no credential sharing needed.
CSV Export
Export transactions and reports to CSV for custom workflows, tax prep, or offline analysis.
Which option fits your situation?
- You have a part-time bookkeeper or CFO who just needs better tools
- You're comfortable with accounting and want full control
- You need accrual-basis accounting or want to create journal entries
- You want to save on bookkeeping costs while revenue is still low
- You have in-house finance expertise and want visibility into the ledger
- You're spending hours every month categorizing transactions
- Your books are a mess and you need to raise money or apply for a loan
- You don't have accounting experience and don't want to learn
- You're preparing for tax filing and your records aren't clean
- You want a human who understands your business to handle the details
10,000+
Transactions categorized daily
< 5 min
Average setup time
$0
Accounting software cost
99.99%
Platform uptime
Frequently asked questions
Straight answers about Holdings accounting software
Is the accounting software really free?
Yes. Holdings Accounting Software is included at no additional cost with every Holdings banking account. You only pay if you choose to add our Bookkeeping Service.
Can I connect external bank accounts?
Yes. Holdings accounting syncs with all your bank and credit card accounts — not just your Holdings account — so you get a complete picture of your business finances.
What reports can I generate?
You can generate Profit & Loss statements, Balance Sheets, and Cash Flow reports in real time. All reports are tax-ready and can be shared with your CPA or bookkeeper.
How does transaction categorization work?
Holdings auto-categorizes transactions using machine learning. You can review, edit, and create custom rules to match your chart of accounts.
Can I upgrade to bookkeeping later?
Yes. You can add a dedicated bookkeeper starting at $100/mo whenever you are ready. Your existing data carries over seamlessly — no migration or downtime.
Can I export data to QuickBooks or Xero?
Yes — Holdings has native QuickBooks integration and works with Xero and other major accounting software. You can also export transactions as CSV and grant read-only CPA access so your accountant can pull reports directly.
Do I need to switch from my current bank to use Holdings accounting?
No. Holdings accounting works with external bank and credit card accounts — not just Holdings banking. You can connect all your financial accounts for a complete picture, even if you bank elsewhere.
How does Holdings handle multi-entity accounting?
Each entity gets its own chart of accounts, reports, and bank connections. You can switch between entities from one login without logging out.
Is there a mobile app for accounting?
Yes. The Holdings mobile app lets you review transactions, approve categorizations, and view key reports on the go. Full accounting functionality is available on desktop.
Ready to get your books in order?
Take control of your books
Start with accounting software and keep everything categorized, reconciled, and ready to share.
Start with accounting softwareHand it off to a bookkeeper
Let a dedicated pro handle categorization, reconciliation, and monthly close so your books are always current.
Talk to our teamNo matter which path you choose, your books stay connected to your Holdings banking, cards, and transactions. One system. One source of truth.
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