Holdings for Freelancers
Run your freelance business. We'll handle the money side.
Free banking that earns 1.75% APY. Invoices with payment links so clients pay fast. Add accounting ($25/mo) and your books keep themselves. Add accounting ($25/mo) and it all reconciles automatically — one tool, not a stack of subscriptions.
*Free to start · No monthly fee · FDIC insured to $3M · 1,000+ businesses
You went freelance to do the work you're good at. Not to manage four different tools.
Most freelancers end up with a bank account somewhere, invoicing in Wave or FreshBooks, expenses in a spreadsheet, and a mess to sort out every April. Holdings puts all of it in one place — and the free plan covers most of what you need.
Everything a freelancer needs. Nothing you don't.
Free business checking
A real business account — not a personal account you use for work. Zero monthly fees. Visa debit card. 1.75% APY on every dollar while it sits there.
Invoices with payment links
Build a branded invoice in 60 seconds. Add a payment link. Client pays by card from their phone. Done before you've moved on to the next project.
Quotes that convert to invoices
Send a quote for new work. Client approves. One click converts it to an invoice with a payment link. No re-entry.
Automatic bookkeeping
Transactions categorize themselves. Revenue tracks as it comes in. Your P&L updates automatically. Tax time stops being an event.
Free financial tools
Invoice generator, 1099 calculator, self-employment tax calculator, expense tracker, W-9 generator — all free, no account required.
The free plan covers most freelancers completely.
| Free | Software ($25/mo) | |
|---|---|---|
| Business checking | Yes | Yes |
| 1.75% APY | Yes | Yes |
| Invoices + quotes | Unlimited | Unlimited |
| Payment links | 3% + $0.30 | 3% + $0.30 |
| Automatic bookkeeping | Yes | Yes |
| Full double-entry accounting | No | Yes |
| P&L + Balance Sheet | No | Yes |
| Invoice branding | Logo | Full custom |
Most freelancers start on free and upgrade when their CPA asks for cleaner reports.
Frequently asked questions
Focus on the work. Let Holdings handle the money.
50+ deductions you're probably missing
The Freelancer Tax Deduction Checklist — organized by category with IRS rules, documentation tips, and quarterly payment schedule.
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