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Holdings
$0/mo · Free for nonprofits

The free plan. No strings attached.

57 free tools, create and send invoices, and open a free business account. Everything you need to get started — upgrade anytime for full accounting.

Compare all plans →

30-day free trial · No credit card required · Cancel anytime

Your Free

Cash on Hand

$18,420

+$2,140 this month

Monthly Revenue

$12,850

↑ 8% vs last month

Net Income

$4,220

↑ 12% vs last month

Where your money goes

Payroll
42%
Rent & Utilities
22%
Software & Tools
14%
Marketing
12%
Everything Else
10%

Everything you need to see the full picture

No categorizing. No reconciling. Just connect and see.

Free business checking

No monthly fees, no minimums, no transaction limits. FDIC insured up to $3M through program banks.

1.75% APY on all balances

Your money earns interest from day one. Compounded and credited monthly — no hoops to jump through.

Unlimited invoicing

Create professional invoices, send them to clients, and track payment status — all from your workspace.

Visa debit card + sub-accounts

A physical and virtual debit card, plus unlimited sub-accounts to organize your money by purpose.

57 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

You need to track income and spending but don't need invoicing or formal reports yet.

❤️

Nonprofits & churches

Free on this plan. See your cash flow, fund balances, and spending without learning accounting software.

🧾

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.

What you getHealth Check$0/moSoftware$25/moServices$59/mo
Financial dashboard
Cash flow & spending breakdown
57 free tools
Connect external banks
Transaction categorization
P&L, Balance Sheet, Cash Flow reports
Invoicing & payment collection
Bank reconciliation
Automated monthly close
Receipt matching
Smart categorization rules
Monthly price$5$25$59

Add free banking to any plan

No fees. No minimums. 1.75% APY. Your transactions flow into your dashboard automatically — no manual connections needed.

Zero fees 1.75% APY FDIC insured to $$3MM Physical & virtual cards
Learn about Holdings banking

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.

30-day free trial · No credit card required · Upgrade anytime