Holdings vs Aplos
Aplos is built for nonprofits. So is Holdings — but we give you donation tools, grant budgets, free banking, AND accounting ($25/mo) — in one place.
Feature comparison
See how Holdings stacks up against Aplos
| What you get | Holdings | Aplos |
|---|---|---|
| Donation Receipt Generator | ✅ $25/mo | ❌ Not included |
| Grant Budget Planner | ✅ $25/mo | ❌ Not included |
| 501(c)(3) Tools | ✅ $25/mo | Limited |
| Fund Tracking | ✅ Via sub-accounts | ✅ Dedicated fund accounting |
| Built-in Accounting | ✅ $25/mo | ✅ Core product ($79+/mo) |
| 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 | ✅ $25/mo | N/A (not a bank) |
| Virtual Cards | ✅ $25/mo | 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 place
Aplos is accounting only. You still need a separate bank for it. Holdings gives you free banking, invoicing, and free tools, plus real double-entry accounting with nonprofit statements ($25/mo) like a donation-receipt generator and grant-budget planner — in one place.
Banking and books, already connected
With Holdings, your banking and accounting software live in one platform, so transactions flow into your books and categorize themselves — no external bank to connect, no manual imports. Aplos requires you to connect an external bank and 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 for $300/year
Holdings includes 62 free tools and free banking, with full fund accounting at $25/mo ($300/year). Aplos charges $79–$229/month for accounting alone — you still need a bank on top of that.
Get the Platform Switch Checklist
Thinking about switching? This step-by-step checklist covers everything: migrating accounts, setting up your tools, and getting your books connected automatically.
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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 banking — it's a financial platform. You get 62 free tools, donation receipt generators, grant budget planners, and a connected bank account from $0/mo, with full fund accounting at $25/mo. It replaces your accounting software, your spreadsheets, and your bank.
Can I use Holdings tools without banking?
Yes. All 62 free tools are free to use regardless of whether you open a Holdings 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, and free banking; accounting is $25/mo. 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: free public profile for visibility, $300/year ($25/mo) for full accounting, with free banking on any plan.
Ready to run your business from one place?
62 free tools. Free banking. Free invoicing. Accounting from $25/mo.
1.75% APY† • Zero fees^ • FDIC insured to $3M*