Holdings vs Aplos
Aplos is built for nonprofits. So is Holdings — but we give you donation tools, grant budgets, accounting, AND banking, all for $0.
Feature comparison
See how Holdings stacks up against Aplos
| What you get | Holdings | Aplos |
|---|---|---|
| Donation Receipt Generator | ✅ Free | ❌ Not included |
| Grant Budget Planner | ✅ Free | ❌ Not included |
| 501(c)(3) Tools | ✅ Free | Limited |
| Fund Tracking | ✅ Via sub-accounts | ✅ Dedicated fund accounting |
| Built-in Accounting | ✅ Free | ✅ Core product |
| Auto-Categorization | ✅ Yes | ❌ Manual categorization |
| Monthly Fee | $0 | $79/mo (Lite); $99/mo (Core); $229+/mo (Advanced) |
| APY (Checking) | 1.75% | N/A (not a bank) |
| FDIC Insurance | Up to $3M | Depends on partner bank |
| Physical Debit Cards | ✅ Free | N/A (not a bank) |
| Virtual Cards | ✅ Free | N/A |
| Sub-Accounts | Unlimited, free | Fund-based (unlimited funds) |
Why choose Holdings over Aplos
Stop juggling 5 apps — tools, accounting, and banking in one workspace
Aplos is accounting only. You still need a separate bank, a donation tool, grant tracking spreadsheets, and more. Holdings gives you donation receipts, grant budgets, accounting, and banking in one place.
Your donations auto-update your books
With Holdings, donation receipts connect directly to your accounting — no imports, no syncing, no reconciliation headaches. Aplos requires you to connect an external bank and manually import transactions.
Tax time takes 10 minutes, not 10 hours
Auto-categorization, real-time P&L, and tax-ready reports are built in. No separate software subscriptions needed.
Replace $948–$2,748/year in software with a free platform
Holdings includes 35+ tools, accounting, and banking at zero cost. Aplos charges $79–$229/month for accounting alone — you still need a bank on top of that.
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When Aplos might be the better choice
Aplos may be a better fit if you need More mature fund accounting, Built-in donor management CRM, or Online giving and donation pages.
Frequently asked questions
I already have a bank — why do I need Holdings?
Holdings isn't just a bank — it's a financial workspace. You get 35+ free business tools, built-in accounting, donation receipt generators, grant budget planners, and a connected bank account. It replaces your accounting software, your spreadsheets, and your bank — all for $0.
Can I use Holdings tools without banking?
Yes. All 35+ tools are free to use regardless of whether you open a Holdings bank account. The banking is optional — the tools and accounting work on their own.
Is Holdings or Aplos better for nonprofits?
Holdings gives you donation tools, grant budgets, accounting, AND banking for $0. Aplos charges $79–$229/month for accounting alone — you still need a separate bank. For most nonprofits, Holdings covers everything in one place.
Can I switch from Aplos to Holdings?
Yes. You'll need to migrate your chart of accounts and historical data. Holdings' onboarding can help with the transition.
How much does Aplos cost per year?
Aplos Lite: $948/year. Aplos Core: $1,188/year. Aplos Advanced: $2,748+/year. Plus you need a separate bank account. Holdings: $0/year for tools, accounting, and banking combined.
Ready to run your business from one place?
35+ free tools. Free accounting. Connected banking. Try it in 5 minutes.
1.75% APY† • Zero fees^ • FDIC insured to $3M*