Manage your holdings.Not for profit. For purpose.
Whether you're the volunteer treasurer or the founder doing it all, Holdings gives you agentic invoicing that chases grants and program billing on its own, accounting software that speaks nonprofit — Statement of Activities, Net Assets, by-fund balances — and free business banking via i3 Bank (Member FDIC, coverage to $3M). Bring your existing bank via Plaid or use Holdings' — either way, everything writes to the same books.
Free invoicing, quotes & a free verified profile for 501(c)(3)s. Accounting software for $25/mo — less than a tank of gas.
Free invoicing for nonprofits · Connected banking via i3 Bank, FDIC to $3M · Full accounting from $25/mo
Total Balance
$312,845.00
↑ 6.8% from last month
By Fund
For the people who keep the world running.
Every program separated. Books that stay current. Less time on the money.
You didn't volunteer to become an accountant. Holdings tracks each program in its own fund inside the books, in nonprofit language — without the late nights.
Every fund tracked in the books
Restricted grants, designated gifts, and unrestricted operating funds coded to their own fund from the day money lands — no spreadsheet gymnastics.
Books that speak nonprofit
Real double-entry accounting that uses your language: Statement of Activities, Statement of Financial Position, and Net Assets — not for-profit jargon.
Agentic invoicing for grants and programs
Let Claude, ChatGPT, or Cursor draft grant reimbursement invoices, chase program billing, and reconcile payments in your books — for free.
How it works
Get set up in minutes, not weeks
Open your nonprofit account
Sign up with your EIN and 501(c)(3) status. No branch visits, no minimum deposits. Your account is ready in minutes.
Account Setup
Set up funds in the books
Create a fund for each program, campaign, and operating reserve. Every transaction gets coded to its fund on the way in — by-fund balances stay current on your Statement of Activities.
By Fund
Turn on accounting software
Enable accounting and your books use nonprofit conventions automatically. Transactions are auto-categorized and kept current — you review and approve.
Recent Transactions
Share clean books with your CPA
Your Statement of Activities and Statement of Financial Position are named and structured the way your board and auditor expect. Export to QuickBooks, Xero, or CSV at year-end.
Statement of Activities
What you get
Agentic invoicing (the wedge), nonprofit accounting, and connected business banking — one platform, one login
Free invoicing that chases grants and program billing
- Unlimited invoices, quotes, and payment links — no monthly fee
- Draft, send, and chase from Claude, ChatGPT, or Cursor via MCP
- Card + ACH payment links on every invoice (Stripe, ~3% + $0.30)
- Auto-reconciled to your books when payment lands
- Custom branding for donation and program billing pages
- Works on top of whichever bank your nonprofit already uses
Books that keep themselves current
- Real double-entry accounting — correct, immutable, audit-grade
- Statement of Activities, Statement of Financial Position, and Net Assets
- Auto-categorization that keeps your books up to date
- Connect external accounts for a complete picture
- Export to QuickBooks, Xero, or CSV for your CPA
- Send invoices and quotes that match your books
A bank account that lives in your books
- Free business checking — no monthly fee
- FDIC insured up to $3M via i3 Bank + program-bank network
- 1.75% APY on every dollar — grants, reserves, operating cash
- Free domestic ACH, wires, and debit cards for staff
- Deposits auto-reconcile to the right fund the moment they clear
- Or connect your existing bank via Plaid — either way, everything writes to the same books
Accept donations. Track every donor. Automatically.
Holdings Giving is built right into your account. Create a branded donation page in minutes — every gift lands in your donor database without any manual work.
Branded donation pages
Create campaign-specific pages with unique links and downloadable QR codes for events, bulletins, email campaigns, and your website.
LiveAutomatic donor database
Every gift — online or manually entered — populates your donor records instantly. No spreadsheet. No manual entry. Always current.
LiveDonor-covered fees + 2.5% nonprofit rate
Donors can opt to cover the processing fee so 100% of their intended gift reaches your cause. Apply for the reduced 2.5% + $0.30 nonprofit rate in your dashboard.
Reports your board and auditor expect
Every other tool makes you translate your nonprofit into for-profit language. Holdings speaks your language from day one — your reports are named and structured the way nonprofits actually use them.
Your statements follow nonprofit accounting conventions — no renaming, no restructuring before every board meeting. Every dollar tracked by fund from the day it lands.
Get the Nonprofit Banking Checklist
The 5-step checklist for switching your nonprofit to a modern bank. What to look for, what to avoid, and how to make the move without disrupting operations.
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Trusted by nonprofits everywhere
300+
Nonprofits on Holdings
$0
Invoicing, no monthly fee
$25/mo
Full nonprofit accounting
“This transition will support our mission by streamlining how we manage donor contributions and program impact — helping us better serve cancer patients in need.”
Phil Brown
CEO, Needs Beyond Medicine
Read how nonprofits are rethinking financial oversight → Issue No. 2
Why Nonprofits Choose Holdings for Invoicing & Bookkeeping
Managing a nonprofit's finances is fundamentally different from running a business. You're accountable to donors, grantmakers, and the IRS — not just a bottom line. Every dollar must be tracked by purpose: restricted grants go to restricted programs, designated gifts stay designated, and unrestricted funds cover operations. Traditional bank accounts weren't built for this. Most force nonprofits into spreadsheet workarounds or expensive accounting software just to answer the basic question: where did the money go?
Holdings was built to solve this. Fund tracking lives inside your books — restricted grants, designated gifts, and unrestricted operating funds are tracked by purpose from the day the money lands. When a foundation sends a $250,000 grant for youth education, that money is coded to its own fund, so your treasurer can see exactly how much remains without exporting to a spreadsheet.
Invoicing That Handles Itself
Most nonprofits chase grant reimbursements, program service invoices, and event billing by hand — copying from spreadsheets, sending reminders manually, reconciling payments after the fact. Holdings' agentic invoicing lets Claude, ChatGPT, or Cursor draft, send, and chase invoices for you. Your books update automatically when payment lands. Free, with no monthly fee for invoicing.
Full Accounting From $25/mo — On Top of Your Bank
Holdings connects to whichever bank your nonprofit already uses. Add accounting for $25/mo and every transaction auto-categorizes to your chart of accounts — restricted grants coded to their fund from day one, unrestricted operating funds tracked separately, and your Statement of Activities staying current without a weekend of data entry. Your existing bank stays; the overhead disappears.
Books Your CPA Will Recognize
Annual audits and Form 990 prep consume weeks of staff time at most nonprofits. Holdings' accounting software keeps real double-entry books — your Statement of Activities, Statement of Financial Position, and Net Assets, with transactions auto-categorized and current — then exports to QuickBooks, Xero, or CSV so your CPA has everything they need at year-end. No more rebuilding the books before every audit.
Team Access Controls
Nonprofit governance requires transparency without oversharing. Holdings lets you invite teammates as admins with full data and tool access. The owner keeps billing and team management. Finer board and program-level roles are on our roadmap.
Software your AI can talk to
Holdings ships an MCP server, so any modern AI — Claude, ChatGPT, Cursor — can operate your invoicing directly. “Draft a $12,000 grant reimbursement invoice for the youth program to the foundation and email it Monday.” Handled. No spreadsheets, no context switching, no manual entry. The books stay current as payments land.
Whether you're a small 501(c)(3) just getting started or a large charitable organization managing millions in grants, Holdings gives you the invoicing and accounting infrastructure your mission deserves. Read our complete nonprofit guide or see how agentic invoicing works.
Why we built this
We started Holdings because the people doing the most good — the rescues, the food banks, the ones filling cracks no one else will — were stuck with finance built for someone else. So we built it for them. The accounting, the banking, the busywork — handled, so they can get back to what they’re actually here to do.
Frequently asked questions
Is Holdings designed specifically for nonprofits?+
I'm a volunteer treasurer, not an accountant. Can I actually use this?+
What nonprofit statements does the accounting software produce?+
Can I organize money by program or fund?+
Can I collect donations through Holdings?+
How much does Holdings cost for nonprofits?+
Does Holdings work with my current bank?+
Can multiple team members access the accounts?+
Explore Holdings for Nonprofits
Agentic Invoicing
Send and chase invoices from Claude, ChatGPT, or the web. Free unlimited.
Fund Tracking in Books
Restricted grants coded to their fund from the day money lands.
Up to $3M FDIC Coverage
Extended FDIC insurance through partner bank network.
Bookkeeping
Auto-categorization and reconciliation keep your books current.
Banking for Churches
Financial tools built for faith organizations.
For Nonprofits Guide
Complete guide to nonprofit banking.
Best Nonprofit Bank Accounts
Top bank accounts for small nonprofits.
How to Read a P&L
Understand your profit and loss statement.
Ready to get started?
Open your account in minutes. No branch visits, no paperwork, no fees.
Free unlimited invoicing · Accounting from $25/mo · FDIC insured up to $3M
Trusted by mission-driven organizations
Verified nonprofits using Holdings giving accounts to track every donation by fund.
- SuperFrens Archaeology MIA recovery
- We The Gente Economic mobility
- Uncharted Academy Nonprofit microschool
- Needs Beyond Medicine Cancer patient support
- I Have a Dream — Food For Haiti Food, education & water
- Helping Hands and Paws People & pets together
- Pure Athletics Academy Youth baseball & softball
- Atomic Athletics Youth soccer
- Young Theatre Artists Collective Theatre education
- The Blind Arts Project Arts access
- ANCHORED Medical Missions Medical missions
- Science and Cultural Exchange Cross-border science
- Bartering World Community resilience
- Friends of SNAP Spay/neuter care
Meet these organizations in our nonprofit spotlight series.
Related Resources
Fund Accounting for Nonprofits
What Is Fund Accounting? Plain-English Guide
Giving — Online Donation Pages & Donor Management
Online Giving
Nonprofit Financing: Grants, Loans & Funding
Free Grant Finder Tool
How to Win Nonprofit Grants
Browse All Nonprofit Resources
Best Nonprofit Bank Accounts 2026
Top nonprofit bank accounts compared for 2026.
Nonprofit Accounting Software Guide
Complete guide to nonprofit accounting software.
Fund Accounting for Nonprofits
How fund accounting works for nonprofits.
Best Banks for Nonprofits — Comparison
Holdings vs Crowded
Compare Holdings and Crowded — free tools for nonprofits.
Free Nonprofit Financial Scorecard
Free Donation Receipt Generator
Generate tax-deductible donation receipts.
Free Grant Budget Planner
Create grant budget templates for proposals.
Free Nonprofit Accounting Software — Honest Comparison
How to Open a Nonprofit Bank Account
501(c)(3) Bank Account Requirements
Is your bank built for nonprofits?
The 2026 Nonprofit Banking Guide — fees, fund tracking, Form 990 prep, and a 7-bank comparison chart.
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