Holdings vs Found
Found is a great bank. Holdings is the platform that replaces your bank, your accounting software, and your spreadsheets — for free.
Feature comparison
See how Holdings stacks up against Found
| What you get | Holdings | Found |
|---|---|---|
| 57 Free Tools | ✅ Included free | ❌ Not included |
| Built-in Accounting | ✅ Included free | ❌ Not included |
| Invoice Generator | ✅ Included free | ❌ Not included |
| Expense Tracking | ✅ Included free | ❌ Not included |
| P&L / Balance Sheet | ✅ Real-time | ❌ Requires QuickBooks |
| Tax Calculators | ✅ Included free | ❌ Not included |
| Monthly Fee | $0 | $0 (free tier); $35/mo (Plus); $80/mo (Pro) |
| APY (Checking) | 1.75% | 0% free tier; 1.5% (Plus); 2.0–2.5% (Pro) — conditions apply |
| FDIC Insurance | Up to $3M | $250K (via Lead Bank) |
| Sub-Accounts | Unlimited, free | Up to 5 business accounts per login |
| Physical Debit Cards | Free | Free |
| Virtual Cards | Free | Not available |
| Domestic ACH | Free | Free |
| Domestic Wire | Free | Not available |
Why choose Holdings over Found
Stop juggling 5 apps — tools, accounting, and banking in one place
Found gives you basic bookkeeping, but you still need QuickBooks for real accounting, a separate invoice tool, and spreadsheets for tracking. Holdings replaces all of them with one free platform.
Your invoices auto-update your books
Send an invoice in Holdings and it automatically flows into your P&L, updates your balance sheet, and categorizes the income. No manual entry, no reconciliation.
Tax time takes 10 minutes, not 10 hours
Holdings auto-categorizes every transaction, generates real-time P&L and balance sheets, and includes tax calculators. Your books are always tax-ready.
Replace $100+/mo in software with a free platform
Found Plus ($35/mo) or Pro ($80/mo) still doesn't include full accounting. Add QuickBooks ($30-80/mo) and you're spending $65-160/mo. Holdings includes everything from $0/mo.
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When Found might be the better choice
Found may be a better fit if you need Tax estimation and auto-savings for self-employment tax, Contractor payment management, or Built-in invoicing.
Frequently asked questions
I already have a bank — why do I need Holdings?
Holdings isn't just banking. It's 57 free tools, built-in accounting, invoicing, expense tracking, and tax calculators. Banking is included, but the tools are what replace your QuickBooks, your spreadsheets, and your bookkeeper.
Can I use Holdings tools without switching banks?
Yes. The tools and accounting features are free for everyone. Banking is optional — you can connect your existing bank and still use Holdings as your financial platform.
Can I switch from Found to Holdings?
Yes. You can open a Holdings account online and transfer your funds via ACH. The process typically takes 2–3 business days.
Which has lower fees — Holdings or Found?
Both have $0 monthly fees at the base level. However, Found charges $35–$80/month for premium features including interest-earning accounts. Holdings offers all features and 1.75% APY starting free.
What tools are included free with Holdings?
Holdings includes 57 free tools: invoice generator, expense tracking, P&L and balance sheets, tax calculators, receipt capture, cash flow forecasting, and more. All free, all connected to your accounts automatically.
Ready to run your business from one place?
57 free tools. Free banking. Free invoicing. Accounting from $25/mo.
1.75% APY† • Zero fees^ • FDIC insured to $3M*