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.
Banking and invoicing. $0/mo.
Free business account with 1.75% APY. Send invoices, get paid, and track it — 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
- 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.
We close your books. You run your organization.
Every transaction categorized. Books closed monthly. Reports ready when you need them. You just review and approve.
$566/yr if billed annually
Free with $10K+ banking balance*
- All Software features, plus:
- Automated monthly close
- Smart categorization rules
- Receipt matching
- Cash flow forecasts
- Tax-ready reports
Best for: Anyone who'd rather spend zero hours on bookkeeping.
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 → Services tier is free.
Add BankingWant a human to review your books?
Add a dedicated bookkeeper to your Services 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 MoreAre 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 PricingCompare plans
See exactly what you get at each level.
| Free$0/mo | Software$25/mo | Services$59/mo | |
|---|---|---|---|
| Tools & Basics | |||
| Free business checking*^ (FDIC insured up to $3M) | |||
| 1.75% APY† on balances | |||
| Unlimited invoicing | |||
| Accounting | |||
| Full double-entry accounting | — | ||
| Invoicing + estimates | — | ||
| Transaction categorization + rules | — | ||
| P&L + balance sheet reports | — | ||
| Bank reconciliation | — | ||
| Automation | |||
| Automated monthly close | — | — | |
| Smart categorization rules | — | — | |
| Receipt matching | — | — | |
| Cash flow forecasts | — | — | |
| Tax-ready reports | — | — |
Free
$0/mo- Free business checking*^ (FDIC insured up to $3M)
- 1.75% APY† on balances
- Unlimited invoicing
Software
$25/mo- Free business checking*^ (FDIC insured up to $3M)
- 1.75% APY† on balances
- Unlimited invoicing
- Full double-entry accounting
- Invoicing + estimates
- Transaction categorization + rules
- P&L + balance sheet reports
- Bank reconciliation
Services
$59/mo- Free business checking*^ (FDIC insured up to $3M)
- 1.75% APY† on balances
- Unlimited invoicing
- Full double-entry accounting
- Invoicing + estimates
- Transaction categorization + rules
- P&L + balance sheet reports
- Bank reconciliation
- Automated monthly close
- Smart categorization rules
- Receipt matching
- Cash flow forecasts
- Tax-ready reports
Free plan forever · No credit card required · Cancel anytime — your free tools stay.
Ready to start?
Start free. Upgrade when you're ready.
No credit card required. 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. Services ($59/mo) is free when you maintain a $10,000+ average monthly balance in your Holdings banking account.
Explore More
Free Business Banking
Zero-fee checking with 1.75% APY, FDIC insured to $3M.
Accounting Software — $25/mo
Automatic categorization, P&L, and balance sheets.
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Professional bookkeepers manage your books monthly.
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