Pick how much you want to do.

Three ways to manage your books. Start with the big picture, take full control, or hand it off entirely.

30-day free trial on Business Health Check · No credit card required

Business Health Check

See how your business is doing.

Connect your bank and get a clear picture of your cash flow, spending, and profitability — without learning accounting.

$5/mo

$48/yr if billed annually

Free for nonprofits

Start Free Trial

Connect your bank accounts
Cash flow charts — daily, weekly, monthly
Spending breakdown by category
Profitability snapshot
Recurring expense detection
Runway estimate
35+ free business tools
Saved data across all tools

Best for: Anyone who wants to understand their business without doing accounting.

DIY Accounting

Do your own books — the right way.

Full chart of accounts, financial reports, and reconciliation tools. Everything you need to run proper books, at a fraction of what you're paying now.

$25/mo

$240/yr if billed annually

Get Started

Everything in Business Health Check, plus:

Full general ledger
Chart of accounts (customizable)
P&L, balance sheet, cash flow reports
Bank reconciliation
AI-powered category suggestions
Invoicing with payment collection
1099 prep and e-filing
Contractor payments
Bill pay
Multi-user access
Cash and accrual basis

Best for: Business owners who want full control over their books.

Hands-Off Books

Your books, done for you.

AI-powered bookkeeping that categorizes, reconciles, and closes your books every month. You just review.

$59/mo

$566/yr if billed annually

or free with Holdings Banking*

Get Started

Everything in DIY Accounting, plus:

Automatic transaction categorization
Monthly close — done for you
Smart rules that learn your business
Error detection and flagging
Receipt scan → match → categorize
AI cash flow forecasts
Monthly close summary in your inbox
Asks you when it's not sure — learns from your answers
Tax estimates (coming Q3 2026)

Best for: Busy owners who want professional books without the bookkeeper price tag.

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.

Keep $10K+ in your account → Hands-Off Books is free.

Add Banking

Want a human to review your books?

Add a dedicated bookkeeper to your Hands-Off Books plan. They review your AI-powered books, catch edge cases, and make sure everything is tax-ready.

Starting at $100/mo · Available for qualifying businesses

Learn More

Are you a nonprofit?

Verified 501(c)(3) nonprofits get a free public profile, directory listing, and verified badge. Paid plans include fund accounting with restricted/unrestricted fund tracking, grant management, and board-ready reports.

See Nonprofit Pricing

Compare plans

See exactly what you get at each level.

	Health Check$5/mo	DIY Accounting$25/mo	Hands-Off Books$59/mo
Visibility
Cash flow charts
Spending breakdown
Profitability snapshot
Runway estimate
AI cash flow forecasts
Tools
35+ business tools
Saved data
Accounting
General ledger
Chart of accounts
P&L / Balance sheet / Cash flow
Bank reconciliation
Cash + accrual basis
Features

Business Health Check

$5/mo

Cash flow charts
Spending breakdown
Profitability snapshot
Runway estimate
35+ business tools
Saved data

DIY Accounting

$25/mo

Cash flow charts
Spending breakdown
Profitability snapshot
Runway estimate
35+ business tools
Saved data
General ledger
Chart of accounts
P&L / Balance sheet / Cash flow
Bank reconciliation
Cash + accrual basis

Hands-Off Books

$59/mo

Cash flow charts
Spending breakdown
Profitability snapshot
Runway estimate
AI cash flow forecasts
35+ business tools
Saved data
General ledger
Chart of accounts
P&L / Balance sheet / Cash flow
Bank reconciliation
Cash + accrual basis

Ready to start?

30-day free trial on Business Health Check. No credit card required.

No credit card required. Cancel anytime — your free tools stay.

Start with Health Check — $5/mo Go straight to Hands-Off Books

*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. Hands-Off Books ($59/mo) is free when you maintain a $10,000+ average monthly balance in your Holdings banking account.