Software your AI can run.
Evaluating Aplos?
A different question.
You came here comparing Aplos. Fair. But most businesses on this page have the same underlying problem: they need to get paid, and they want an AI to handle the boring parts. Holdings built the category for that — agentic invoicing, MCP-native, no monthly fee.
Aplos vs Holdings
Aplos is nonprofit-specific accounting with fund accounting and donor management. Holdings is agentic invoicing + accounting with a nonprofit-aware fund accounting layer and integrated donation pages. Direct your AI to send receipts, invoices, and end-of-year statements.
Side by side
Aplos and Holdings solve different problems. Here's the honest version.
| What you're comparing | Holdings | Aplos |
|---|---|---|
| Primary interface | Claude, ChatGPT, Cursor (MCP) | Web app forms |
| Fund accounting | Included | Included |
| Branded donation pages | Included | Included (Aplos Advanced) |
| Donor / grant tracking | Included | Included |
| Agentic receipts + acknowledgments | Yes — AI drafts, you approve | Manual/templated |
| Monthly cost | Free (donations-only) or $25/mo | $99-$249/mo |
Why teams pick Holdings
Direct your AI, not a form
Aplos is nonprofit-competent software you drive by hand. Holdings makes the AI the driver — you approve; it drafts.
One product, one bill
Aplos bundles donor management, fund accounting, and (in higher tiers) invoicing. Holdings does the same at a fraction of the price.
The books stay current on their own
Every donation, invoice, and grant posts to fund accounting as it happens. Board meetings show real numbers, not last month's.
MCP-native
Your AI agent can pull grant status, donor retention, or year-end acknowledgments on request.
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When Aplos might be the better choice
Established nonprofits with dedicated development staff, complex grant portfolios, and existing Aplos deployments — the switching cost isn't worth it. For nonprofits earlier in the curve, Holdings does the same job for a fraction of the price.
Common questions
Does Holdings do fund accounting?
Yes. Every transaction can be tagged to a fund, restriction level, program, and grant. The board-ready statements roll up correctly.
Can we send donor acknowledgments automatically?
Yes — you direct the AI ("send year-end acknowledgments to all donors above $250") and approve the drafts before they go out.
How much does Aplos cost vs Holdings?
Aplos ranges $99-$249/mo. Holdings is $25/mo for full accounting + fund tracking + donation pages, or free if you only need donations and receipts.
Do I keep my existing donor data?
Yes — standard CSV import for donor and transaction history.
Is Holdings a bank?
Yes — free business checking with 1.75% APY (FDIC to $3M via program-bank partners), plus invoicing and (optionally) full accounting on top. You don't have to switch banks to use Holdings, though — connect any existing bank via Plaid if you'd rather keep both.
Let your AI do the invoicing.
No monthly fee. 3% + $0.30 per payment collected. Full accounting from $25/mo.
No credit card · No monthly fee · Works with Claude, ChatGPT & Cursor