Savings Calculator

How much could you save with Holdings?

Q: How is the savings calculated?

We compare your current banking fees, accounting software costs, and interest earned against Holdings' zero-fee structure with 1.75% APY and built-in accounting.

Q: What if my bank isn't listed?

Select the option closest to your current bank. For traditional banks like BofA, Wells Fargo, or PNC, the Chase comparison is a reasonable proxy.

Enter your current setup and see your estimated annual savings. Banking fees, accounting software, and interest — it all adds up.

Average monthly balance$50K

$5K$500K

Monthly wires sent2

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Current bank

Current accounting software

A note on honesty

• These estimates are based on published pricing as of March 2026. Actual costs vary by usage.
• Many banks waive fees if you meet minimum balance requirements — we account for this.
• Bluevine Premier (3.0% APY) earns more interest than Holdings at higher balances, but costs $95/mo and requires meeting spending thresholds.
• Mercury offers free wires and strong developer tools. If API access is your priority, compare carefully.
• Holdings is newer with no physical branches. Chase has 4,700+ branches for in-person banking needs.

Frequently asked questions

How is the savings calculated?

We compare your current banking fees (monthly account fees, wire fees), accounting software costs, and interest earned against Holdings' zero-fee structure with 1.75% APY and built-in accounting. The calculation uses published pricing from each provider.

Is Holdings really free?

Yes. Holdings has zero monthly fees, zero minimum balances, free ACH transfers, free domestic wires, free cards, and free built-in accounting. There are no hidden fees or premium tiers for core features.

Where does the fee data come from?

All competitor pricing is sourced from their public websites and documentation as of March 2026. We refresh this data quarterly. Actual costs may vary based on your specific usage and any promotional rates.

Does this account for fee waivers?

Yes. For banks like Chase that waive fees with minimum balances, we automatically apply the waiver when your entered balance meets the threshold. The calculator shows realistic costs.

What if my bank isn't listed?

Select the option closest to your current bank. The general pattern holds: most banks charge monthly fees and/or don't include accounting. If you're using a traditional bank (BofA, Wells Fargo, PNC), the Chase comparison is a reasonable proxy.