See where your business stands. Free.
62 free tools, invoicing, and a free business account — everything here is part of the Holdings Free plan. No credit card, no trial clock.
Free forever · No credit card required · Upgrade anytime
Account Balance
$18,420
+$2,140 this month
Interest Earned
1.75% APY
Credited monthly
Outstanding Invoices
$4,950
3 awaiting payment
Recent invoices
What you get with a free account
Real banking, real invoicing, real tools — see the full Free plan for everything included.
Free AI invoicing
Send invoices from Claude, ChatGPT, Cursor, or the web. Unlimited invoices and quotes, no monthly fee.
Get paid faster
Payment links + QR codes on every invoice. Take card or bank payments. 3% + $0.30 per payment.
Unlimited invoices & quotes
Create invoices and quotes, send them by email or secure link, and track status from draft to paid. Quotes convert to invoices in one click.
Visa debit card + sub-accounts
A physical and virtual debit card, plus unlimited sub-accounts to organize your money by purpose.
62 free tools
Invoice generator, tax calculators, budget templates, P&L builder, and more. Use them anytime, no signup needed.
Enterprise-grade security
256-bit encryption, SOC 1 Type II certified, PCI DSS compliant. Your money and data stay safe.
Built for people who want to see, not do
Not everyone needs full accounting software. Some people just want to know where they stand.
New business owners
You just started and "do my books" feels overwhelming. Start with visibility. You'll know when it's time for more.
Side hustlers & freelancers
Invoice clients, watch the money come in, and skip formal accounting until you actually need it.
Nonprofits & churches
Start free with banking and a verified public profile — and add fund-ready accounting for $25/mo when the board wants real reports.
People who have a CPA but want to stay informed
Your accountant handles the details. You just want to see the big picture between meetings.
Ready for more? Upgrade anytime.
Start with visibility. Add control or automation when you're ready.
Add free banking to any plan
No fees. No minimums. 1.75% APY. Your transactions flow into your dashboard automatically — no manual connections needed.
Common questions
You've got a business to run.
See where your money goes — in the time it takes to finish your coffee. $0/mo. Free for nonprofits.
Free forever · No credit card required · Upgrade anytime
Explore More
The Holdings Free Plan — $0/mo
Everything in Software — $25/mo
Add Free Business Banking
Zero-fee checking with 1.75% APY, FDIC insured to $3M.
50+ Free Business Tools
Invoice generator, P&L, expense tracker, and more.
For Freelancers
Free for Nonprofits
Free tools and accounting designed for nonprofit organizations.
Compare All Plans
Transparent pricing with zero hidden fees.
Holdings vs QuickBooks
Built-in accounting vs add-on accounting software.