Software your AI can run.
Evaluating FreshBooks?
A different question.
You came here comparing FreshBooks. 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.
FreshBooks vs Holdings
FreshBooks is a service-business-focused invoicing and time-tracking product with accounting layered in. Holdings is agentic invoicing + accounting — same category, different interface. You direct an AI; FreshBooks asks you to fill out forms.
Side by side
FreshBooks and Holdings solve different problems. Here's the honest version.
| What you're comparing | Holdings | FreshBooks |
|---|---|---|
| Primary interface | Claude, ChatGPT, Cursor (MCP) | Web app forms |
| Draft-by-default AI sends | Yes | None |
| Invoicing | Native, agent-drafted | Native, form-driven |
| Time tracking | Not included | Included |
| Payment collection | 3% + $0.30 (Stripe Connect) | 2.9% + $0.30 (FreshBooks Payments) |
| Double-entry accounting | Included ($25/mo) | Included (Plus $30/mo+) |
| Monthly cost | Free (payments-only) or $25/mo | $19-$60/mo (per client tiers) |
| Client limits | Unlimited | Tiered (5/50/unlimited) |
Why teams pick Holdings
Direct your AI, not a form
FreshBooks is a good invoice form. Holdings makes the invoice a byproduct of directing your AI.
One price, no per-client tiers
FreshBooks Lite caps at 5 clients, Plus at 50. Holdings has no client caps at any tier.
The books stay current on their own
Every invoice, payment, and follow-up posts to double-entry accounting as it happens.
MCP-native
Your AI agent can direct invoicing and reporting through Holdings' MCP server. FreshBooks doesn't have this.
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Switching from FreshBooks? This guide covers migrating your books, setting up automated categorization, and getting real-time P&L without the monthly subscription.
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When FreshBooks might be the better choice
Service businesses that bill by the hour and need integrated time tracking will find FreshBooks a better single-product fit. Holdings + a dedicated time tracker is the alternative if you want the AI-invoicing layer.
Common questions
What about time tracking?
Holdings doesn't include time tracking today. If time tracking is central to how you bill (hourly consultants, agencies), FreshBooks or a dedicated time-tracker + Holdings is worth considering.
How does the pricing compare?
FreshBooks tiers by client count: Lite $19/mo (5 clients), Plus $30/mo (50), Premium $60/mo. Holdings is $25/mo flat with unlimited clients, or free for invoicing-only.
What is agentic invoicing?
You use Claude, ChatGPT, Cursor, or any MCP client to direct invoice drafting and follow-up. You approve every send.
Can I keep my current bank?
Yes — Holdings includes free business checking (1.75% APY, FDIC to $3M) but you're not required to move over. Connect your existing bank via Plaid instead.
Can my accountant use Holdings?
Yes — invite them with Bookkeeper access. Export supported for standard formats.
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
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Banking for Freelancers
Free Invoice Generator
Create and download professional invoices in seconds.
Calculate Your Savings
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