Pick how much you want to do.
Two ways to manage your books. Start free with the big picture, or take full control with real accounting.
Banking and invoicing. $0/mo.
Free business account with 1.75% APY. Send invoices, get paid, and track it — no credit card required.
No credit card required
- Free business checking*^ (FDIC insured up to $3M)
- 1.75% APY† on balances
- Unlimited invoicing
- Visa debit card* + sub-accounts
Best for: Anyone who wants real banking and invoicing without paying for accounting they don't need yet.
Full accounting. Connected to your account.
Double-entry accounting, invoicing with estimates, P&L reports, and reconciliation — all connected to your account.
$240/yr if billed annually
30-day free trial · Nonprofit? Fund accounting at the same $25/mo
- All Free features, plus:
- Full double-entry accounting
- Invoicing + estimates
- Transaction categorization + rules
- P&L + balance sheet reports
- Bank reconciliation
Best for: Hands-on owners who want to manage their own finances — or whose CPA wants clean books.
Run a 501(c)(3)? This was built for you.
Purpose-built fund accounting for $25/mo — restricted fund tracking, grant tracking, and board-ready reports. Plus a free public profile, verified badge, and directory listing, with free banking underneath.
Add free business banking* to any plan.
No fees^. No minimums. 1.75% APY†. FDIC insured up to $3M. Your transactions flow into your books instantly.
Run a nonprofit? → Purpose-built fund accounting, same $25/mo.
Add BankingCompare plans
See exactly what you get at each level.
| Free$0/mo | Software$25/mo | |
|---|---|---|
| Banking & Basics | ||
| Free business checking*^ (FDIC insured up to $3M) | ||
| 1.75% APY† on balances | ||
| Visa debit card* + sub-accounts | ||
| Unlimited invoicing | ||
| 59+ free business tools | ||
| Accounting | ||
| Full double-entry accounting | — | |
| Invoicing + estimates | — | |
| Transaction categorization + rules | — | |
| P&L + balance sheet reports | — | |
| Bank reconciliation | — | |
| Invoicing extras | ||
| Recurring invoices + automatic overdue reminders | — | |
| Your logo & brand color on invoices (no 'Powered by Holdings' mark) | — | |
| Nonprofits | ||
| Public nonprofit profile + verified badge | ||
| Fund accounting + board-ready reports (nonprofit plan) | — | $25/mo |
Free
$0/mo- Free business checking*^ (FDIC insured up to $3M)
- 1.75% APY† on balances
- Visa debit card* + sub-accounts
- Unlimited invoicing
- 59+ free business tools
- Public nonprofit profile + verified badge
Software
$25/mo- Free business checking*^ (FDIC insured up to $3M)
- 1.75% APY† on balances
- Visa debit card* + sub-accounts
- Unlimited invoicing
- 59+ free business tools
- Full double-entry accounting
- Invoicing + estimates
- Transaction categorization + rules
- P&L + balance sheet reports
- Bank reconciliation
- Recurring invoices + automatic overdue reminders
- Your logo & brand color on invoices (no 'Powered by Holdings' mark)
- Public nonprofit profile + verified badge
- Fund accounting + board-ready reports (nonprofit plan)($25/mo)
Free plan forever · No credit card required · Cancel anytime — your free tools stay.
Real reviews. Real businesses.
What customers say after switching
★★★★★
“I had a fantastic onboarding experience with Holdings. The process was smooth, and their team was incredibly helpful every step of the way. Customer service was top notch: responsive, friendly, and genuinely invested in making sure everything went right.”
Spencer · July 2025
Trustpilot review★★★★★
“We've been using Holdings to save our LLCs extra cash and earn interest for about a year now. Everything has been great including the customer service.”
Paul · November 2024
Trustpilot review★★★★★
“Great communication and support. The team is always there for us! Transactions are easy and simple, freeing up valuable time spent with other banks trying to get wires/transfer released.”
E · March 2025
Trustpilot reviewPricing questions
Is the Free plan really free?
Yes. $0/mo, no credit card required. You get free business checking (FDIC insured up to $3M), 1.75% APY on balances, unlimited invoicing, a Visa debit card with sub-accounts, and 59+ free business tools.
What does Software add?
Full double-entry accounting, invoicing with estimates, transaction categorization with rules, P&L and balance sheet reports, and bank reconciliation — plus recurring invoices, automatic overdue reminders, and your own branding: the 'Powered by Holdings' mark comes off your invoice and quote PDFs, replaced by your logo and brand color. $25/mo, or $240/yr if billed annually (save 20%).
Is there a free trial of Software?
Yes — every new Software subscription starts with a 30-day free trial of the full plan. After 30 days it's $25/mo (or $240/yr billed annually). The Free plan is separate and free forever, so there's nothing to lose either way.
Is there special pricing for nonprofits?
Nonprofits get purpose-built Fund Accounting at the same $25/mo ($240/yr billed annually) — restricted fund tracking, grant tracking, and board-ready reports. Verified 501(c)(3)s also get a free public profile, verified badge, and directory listing, plus free banking on any plan. See nonprofit pricing.
Do I need a Holdings bank account to use the accounting?
No. Holdings works with your existing bank — we connect through Plaid. But if you add Holdings banking (free), your transactions flow into your books automatically and your balance earns 1.75% APY.
Is my money safe?
Yes. Deposits are held at i3 Bank, Member FDIC, insured up to $3M. We use 256-bit encryption and are SOC 1 and PCI DSS certified.
Can I switch plans or cancel?
Anytime. Upgrade, downgrade, or cancel in one click. Your data carries forward, and your free tools stay.
Real support, real humans
What customers tell our support team
“That's amazing! A six-minute turnaround time for email support is incredible!”
Brittany · after support resolved a deposit issue in minutes
“Thank you so much, I really appreciate this great support, really feel listened to.”
A Holdings customer · via text with our support team
“Great, thank you. I am looking forward to working with you.”
Phil · during onboarding with support
From real emails and texts to Holdings support · Mon–Fri, 8 am–6 pm MT · support@getholdings.com
Ready to start?
Start free. Upgrade when you're ready.
The Free plan needs no credit card, and Software comes with a 30-day free trial. Cancel anytime — your free tools stay.
*Holdings is a financial technology company and is not a bank. Banking services are provided by i3 Bank, Member FDIC. The Holdings Visa Debit Card is issued by i3 Bank pursuant to a license from Visa U.S.A. Inc. FDIC insurance up to $3M through i3 Bank and program banks ($250K per account holder per bank). APY is variable and subject to change. Nonprofit profile verification requires a valid EIN and IRS 501(c)(3) determination letter.
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