A business account with per-engagement P&L.*
Per-client P&L, engagement tracking, and trust accounting — connected to your banking.* Full accounting for $25/mo.
No credit card required · Set up in under 5 minutes · FDIC insured up to $3M
Total Balance
$485,210.00
↑ 9.4% from last month
Sub-Accounts
Per-engagement profitability. No spreadsheet required.
Tools and accounting designed for how firms actually operate
Client Fund Separation
Keep client retainers and trust funds in dedicated sub-accounts. Maintain compliance with clear audit trails for every dollar.
Multi-Entity Management
Manage multiple entities, partners, or practice areas from one dashboard. Generate per-entity financials with one click.
Partner & Staff Access
Give partners full visibility, associates limited access, and admin staff transaction-level permissions. Everyone sees what they need.
How it works
Get set up in minutes, not weeks
Open your firm account
Sign up with your EIN. No branch visits, no minimum deposits. Your account is ready in minutes.
Account Setup
Create client and entity sub-accounts
Set up sub-accounts for client trust funds, partner distributions, tax reserves, and per-entity operating accounts.
Sub-Accounts
Track revenue and expenses by entity
Client payments and expenses auto-categorize by entity. See profitability per practice area or per partner.
Recent Transactions
Generate compliance-ready reports
Pull per-entity P&L, trust account reconciliation, and partner distribution reports. Export for auditors or regulatory review.
Profit & Loss
What you get
Tools, accounting, and banking in one platform
Zero-fee accounts that earn interest
- FDIC insured up to $3M through program bank network
- Unlimited sub-accounts for clients, entities, and funds
- Earn 1.75 APY on every dollar
- Free domestic wires, ACH, and bill pay
- Staff cards with per-person spend controls
- No minimum balance, no monthly fees
Bookkeeping that runs itself
- Per-entity P&L, Balance Sheet, and Cash Flow reports
- Client trust fund reconciliation and audit trails
- Track partner distributions and equity
- Connect external accounts for a complete picture
- Export to QuickBooks, Xero, or CSV for compliance
- Upgrade to a dedicated bookkeeper for $100/mo when ready
Get the Professional Services Finance Kit
Track billable hours profitability, automate per-client accounting, and generate real-time P&L by engagement. No spreadsheets.
We'll send the professional services finance kit and nothing else. No spam, unsubscribe anytime.
Trusted by professional services firms
250+
Firms on Holdings
$0
Banking fees, forever
$3M
FDIC insured
“Super smooth onboarding and clear communications.”
Lisa Flosznik
Verified Trustpilot Review
Read how automation is changing bookkeeping → Issue No. 5
Frequently asked questions
How many entities can I manage in one Holdings account?+
Can I separate client or investor funds from operating?+
How does Holdings help with client fund compliance?+
Can my team access the platform with different permission levels?+
Is there a fee for additional entities or sub-accounts?+
What reports can I generate across entities?+
Explore Holdings for Professional Services
Free Business Banking
Zero-fee checking with 1.75% APY, FDIC insured to $3M.
Client Fund Sub-Accounts
Separate client funds with full audit trails.
Accounting Software
Automatic categorization, P&L, and balance sheets.
Holdings vs QuickBooks
Built-in accounting vs add-on software.
Banking for Agencies
Client accounts and project-based accounting.
Accounting for Services
Essential accounting for professional services.
Multi-Entity Accounting
Guide to managing books across multiple entities.
Accounting for Consulting Firms
Essential accounting for consulting firms.
Ready to get started?
Open your account in minutes. No branch visits, no paperwork, no fees.
1.75% APY · Zero fees · FDIC insured to $3M
Related Resources
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Accounting for Professional Services
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Multi-Entity Accounting Guide
Managing multiple entities in one platform.
Holdings vs QuickBooks
Built-in accounting vs add-on accounting software.
Holdings vs Mercury
See how Holdings compares to Mercury — tools, accounting, and banking.
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