Accounting, invoicing, taxes & forecasting. One subscription.
Software isn't just accounting software. It's your invoices and quotes, your tax tools, your runway — all in one workspace, all talking to each other. $25/mo, with free business banking included — and your first 30 days are free.
Your workspace
June 2026Net profit
$24,340
Outstanding
$4,950
Runway
14 mo
Recent invoices
One workspace. Six jobs done.
Everything below is included in the $25/mo Software plan — mapped exactly to what's in the product.
Accounting
General ledger, categorization, reports, reconciliation
Invoicing & Quotes
Branded invoices, recurring billing, quotes that convert
Getting Paid
Secure client links, status tracking, payment records
Taxes
Quarterly estimates, mileage, W-9s, 1099 prep
Scenarios
Runway and cashflow forecasting
Team & Branding
Multi-user access, your logo and colors everywhere
Most owners pay for three tools that don't talk to each other
Accounting in one app, invoicing in another, a spreadsheet for taxes. Holdings puts them in one workspace — send an invoice and it's already in your books, run a tax estimate off your real numbers, check your runway without re-entering anything.
What's actually in Software
The real feature set — no padding
Full double-entry accounting
Real books — not a spreadsheet with categories. An overview dashboard shows which months are closed and what still needs work, and the transaction workspace pulls in Holdings banking plus any external accounts you link.
- General ledger with full chart of accounts and journal entries
- Auto-categorization with custom rules, bulk edits, and splits
- P&L, balance sheet, and cash flow — cash or accrual basis
- Link external bank and card accounts via Plaid
- Bank reconciliation and month-by-month close tracking
- Expense tracking with receipts and notes attached inline
Reports, ready to share
Download as Excel/CSV or grant your CPA read-only access
Invoices and quotes, in the same system as your books
Send unlimited invoices with auto-numbering, due dates, discounts, and tax lines. Quotes carry the same line items — when a client accepts (with optional e-signature), one click converts the quote to an invoice. Everything posts to your ledger without an export.
- Unlimited invoices with line items, discounts, and tax
- Quotes/estimates with online accept or decline and e-signature
- One-click quote-to-invoice conversion
- Recurring invoices for retainers and subscriptions
- Automatic overdue reminders
- Your logo and brand color on every document — Holdings watermark removed
- PDF download and send-by-email built in
Quote → Invoice
Client accepted online — no printing, no scanning
A clean path from sent to paid
Every invoice and quote gets a secure public link — clients view it in the browser or download a PDF, no account required. You see status at a glance, record payments as they land, and your receivables stay tied to your books.
- Secure client view links for invoices and quotes — no client login
- Status tracking: draft, sent, viewed, paid, overdue
- Record full or partial payments against any invoice
- Outstanding balances roll up in your revenue dashboard
- Payment instructions on every invoice — your bank details, your terms
Invoice status
Receivables and revenue, one source of truth
Tax tools where your numbers already live
Quarterly estimates calculated from your actual books, a mileage log that's ready at filing time, and contractor paperwork handled — W-9 collection and 1099 prep in the same workspace.
- Quarterly self-employment tax estimates
- Mileage tracker with deduction totals
- W-9 collection from contractors
- 1099 preparation for the contractors you pay
Q2 estimate
Based on your real books — not a guess
See your runway before you need to
Model what's ahead with your live numbers. Runway shows how long your cash lasts at the current burn; cashflow forecasting lets you test hires, price changes, and slow months before they happen.
- Runway calculator from real balances and burn
- Cashflow forecasting with adjustable assumptions
- Built on the same data as your books — nothing to re-enter
Runway
Updates as your books change
Bring your team — and make it look like you
Invite team members, your treasurer, or your CPA with their own logins. Add your logo and brand color once and every invoice, quote, and client-facing page carries it. Nonprofits get a public organization profile with a verified badge.
- Multi-user access with team invites
- Custom branding: your logo and color on invoices and quotes
- Public nonprofit profile with verified 501(c)(3) badge
- Manage multiple companies from one login
- 57+ business tools included with every plan
Team
No shared passwords, no exported spreadsheets
Included with every plan
Free business banking, built in
Zero-fee business checking with 1.75% APY, FDIC insurance up to $3M, Visa debit cards, and sub-accounts. Transactions flow straight into your books — and banking stays free whether you're on Free or Software.
See Holdings banking →Simple pricing
One plan unlocks everything on this page
Free
$0/mo
Banking, invoicing & tools
- Free business checking
- Unlimited invoices & quotes
- Visa debit card + sub-accounts
- 57+ business tools
Software
Everything included$25/mo
30-day free trial · then $25/mo, or $240/yr billed annually (save 20%)
- Everything in Free, plus:
- Full double-entry accounting
- P&L, balance sheet & cash flow reports
- Bank reconciliation + linked external accounts
- Recurring invoices
- Your branding on invoices & quotes — no Holdings watermark
- Automatic overdue reminders
Run a 501(c)(3)? Fund accounting at the same $25/mo, plus a free verified profile.
Free banking with any plan. 30-day free trial on Software. No setup fees, no contracts — cancel anytime.
Real reviews. Real businesses.
What owners say about running their business on Holdings
★★★★★
“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 reviewFrequently asked questions
Straight answers about the Software plan
What does Holdings Software cost?
Software is $25/mo, or $240/yr if billed annually (save 20%) — and every new subscription starts with a 30-day free trial. Banking is free with any plan — no monthly fees, no minimums.
Is there a free trial?
Yes. Every new Software subscription starts with a 30-day free trial of the full plan — accounting, recurring invoices, branding, reminders, all of it. After 30 days it's $25/mo (or $240/yr billed annually). And the Free plan exists forever regardless — banking, invoicing, and 57+ tools stay $0 whether or not you ever try Software.
What's included in the $25/mo Software plan?
Everything: full double-entry accounting (general ledger, transaction categorization, P&L, balance sheet, cash flow reports, bank reconciliation, linked external accounts), invoicing and quotes with recurring invoices, custom branding, and automatic overdue reminders — plus the tax tools, runway and cashflow forecasting, and team access that come with every Holdings account. One subscription, not separate add-ons.
How is Software different from the Free plan?
Free gives you business checking, a debit card, unlimited invoices and quotes, and 57+ business tools at $0/mo. Software adds the full accounting suite — general ledger, reports, reconciliation, linked external accounts — plus recurring invoices, automatic overdue reminders, and your own branding: the 'Powered by Holdings' watermark comes off your invoices and quotes, replaced by your logo and brand color.
Is this separate from your accounting software?
No — it's all one product. Software is the name of the plan, and accounting, invoicing, quotes, taxes, and scenarios all live in the same workspace. Send an invoice and it's already in your books. No syncing, no exports between tools.
Can clients pay my invoices online?
Clients receive a secure link where they can view the invoice and download a PDF — no login required. You track status (draft, sent, paid, overdue) and record payments as they come in. Quotes work the same way: clients can accept or decline online, with optional e-signature.
Do I need to bank with Holdings to use Software?
No. You can link external bank and credit card accounts via Plaid and run your books on Holdings while banking anywhere. That said, Holdings business checking is free with every plan — no fees, 1.75% APY, FDIC insured up to $3M — and transactions flow into your books automatically.
Does Holdings Software work for nonprofits?
Yes. Nonprofits get a purpose-built Fund Accounting plan at the same $25/mo — restricted fund tracking, grant tracking, and board-ready reports. Verified 501(c)(3)s also get a free public profile with a verified badge and a listing in the Holdings nonprofit directory.
Can I give my accountant or team access?
Yes. Invite team members, your treasurer, or your CPA with their own logins. Your accountant can pull reports and review the ledger directly — no credential sharing, no exporting spreadsheets back and forth.
One place for your money, books, and tools
Start on the Free plan today — banking, invoicing, and tools at $0. When you're ready for the full suite, try Software free for 30 days.
Explore More
Accounting in Holdings
Automatic categorization, P&L, and balance sheets.
Free Business Banking
Zero-fee checking with 1.75% APY, FDIC insured to $3M.
Plans & Pricing
Transparent pricing with zero hidden fees.
57+ Free Business Tools
Invoice generator, P&L, expense tracker, and more.
Nonprofit Pricing
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