Holdings vs QuickBooks
QuickBooks charges $30–200/mo for accounting software. Holdings is $25/mo for the same accounting features — plus free banking and 57 free tools.
Feature comparison
See how Holdings stacks up against QuickBooks
| What you get | Holdings | QuickBooks |
|---|---|---|
| Monthly Cost | From $0/mo | $30–$200/mo |
| Auto-Categorization | ✅ Real-time | ✅ With bank sync |
| P&L Reports | ✅ Included | ✅ Included |
| Balance Sheet | ✅ Included | ✅ Included |
| Cash Flow Statement | ✅ Included | ✅ Included |
| Invoicing | Coming soon | ✅ Included |
| 57 Free Tools | ✅ Included | ❌ Not included |
| Business Banking | ✅ Included free | ❌ Not included |
| Checking Account | ✅ 1.75% APY | ❌ Must use external bank |
| Bank Sync Delay | None (native) | 1–2 business days |
| Sub-accounts | Unlimited (free) | N/A (chart of accounts) |
| FDIC Insurance | Up to $3M | N/A (not a bank) |
| Payroll | Not included | Add-on ($45+/mo) |
Why choose Holdings over QuickBooks
Replace $360–$2,400/year in software
QuickBooks costs $30–$200/mo for accounting alone. QuickBooks charges $30–$200/mo for accounting only. Holdings is $25/mo for full accounting with free banking and 57 free tools included.
Stop juggling 5 apps
QuickBooks is one of many tools you pay for. Holdings replaces your accounting software, your invoicing tool, your expense tracker, and your bank — one workspace, one login.
Your invoices auto-update your books
With QuickBooks, you reconcile between apps. Holdings connects invoicing, expenses, and accounting in one system — when money moves, your books update automatically.
Tax time takes 10 minutes, not 10 hours
Auto-categorized transactions, real-time P&L, and exportable reports mean tax season is painless. No sync delays, no missing transactions, no manual cleanup.
Get the Accounting Switch Guide
Moving off QuickBooks? This guide covers data migration, what integrations you'll need (hint: fewer than you think), and how Holdings replaces your entire stack.
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When QuickBooks might be the better choice
QuickBooks may be a better fit if you need invoicing, payroll, inventory tracking, or advanced job costing. QuickBooks also has a deeper ecosystem of integrations and a larger accountant network.
Frequently asked questions
Can Holdings really replace QuickBooks?
For core accounting — categorization, P&L, balance sheets, cash flow reports — yes. Plus you get 57 free tools and a free business account. If you need payroll or inventory management, you may still want QuickBooks for those features.
How much would I save switching from QuickBooks?
QuickBooks Simple Start costs $30/mo ($360/year). QuickBooks Plus costs $80/mo ($960/year). QuickBooks Simple Start is $30/mo for accounting only. Holdings Software is $25/mo for accounting + free banking + 57 free tools.
I already have a bank — why do I need Holdings?
Holdings isn't just banking — it's a financial platform. You get 57 free tools (accounting, invoicing, expense tracking, P&L reports) that replace paid software. The business account connects it all, but the tools work even if you keep your current bank.
Can I use Holdings tools without banking?
Yes. Holdings' tools — accounting, invoicing, expense tracking, reports — are free to use. The banking is optional but connects everything automatically when you use it.
Can my accountant use Holdings?
Yes. Invite your CPA or bookkeeper with the Bookkeeper role. They get full access to your accounting tools, reports, and transaction history. You can also export to QuickBooks format if they prefer it.
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*