Free Business & Nonprofit Finance Tools
Professional-grade finance tools that run in your browser. No signup, no watermarks, no hidden fees. Create invoices, track expenses, generate financial statements, and more — all free, forever.
Finance Tools
Invoice Generator
Create professional invoices with tax calculations and instant PDF export.
Use this tool →P&L Generator
Generate profit and loss statements with automatic margin calculations.
Use this tool →Expense Tracker
Track and categorize business expenses. Export reports for tax prep.
Use this tool →Balance Sheet Generator
Create balance sheets with auto-calculated ratios. Supports for-profit and nonprofit.
Use this tool →Payroll Calculator
Calculate net pay, taxes, and deductions for all 50 states. 2026 brackets.
Use this tool →Reimbursement Form
Generate expense reimbursement forms with automatic totals and approval fields.
Use this tool →Bank Fee Savings Calculator
Calculate how much you're overpaying in bank fees. Compare your bank to Holdings.
Use this tool →Tax Tools
W-9 Generator
Fill out and download IRS Form W-9 online. Secure, browser-only.
Use this tool →1099-NEC Generator
Generate and download a properly formatted 1099-NEC form in seconds. Browser-only.
Use this tool →Self-Employment Tax Calculator
Calculate SE tax, federal & state income tax, and quarterly payments. 2026 rates for all 50 states.
Use this tool →EIN Application Guide
Interactive IRS SS-4 walkthrough. Get your EIN right the first time.
Use this tool →Planning Tools
Cash Flow Forecast
Project monthly cash position. Spot shortfalls before they happen.
Use this tool →Budget vs Actual Report
Compare budgeted vs actual spending with variance analysis. Three modes.
Use this tool →Business Entity Selector Quiz
Answer 7 questions, get a personalized LLC vs S-Corp vs sole prop recommendation.
Use this tool →Nonprofit Tools
Donation Receipt Generator
IRS-compliant 501(c)(3) donation receipts for nonprofits and churches.
Use this tool →Grant Budget Planner
Build funder-ready grant budgets with standard cost categories.
Use this tool →Nonprofit Meeting Toolkit
Create structured board meeting agendas with time allocations.
Use this tool →501(c)(3) Formation Checklist
Free 12-step checklist for starting a tax-exempt nonprofit.
Use this tool →501(c)(3) Status Checklist
Interactive checklist for maintaining tax-exempt status. Track IRS requirements.
Use this tool →Church Budget Template
Generate a congregation-sized budget with benchmarked allocations for every category.
Use this tool →Why are these tools free?
We built Holdings to be the best banking and accounting platform for small businesses and nonprofits. These tools show you what Holdings can do — invoicing, expense tracking, financial reporting — all automated inside one platform. Try the tools, and when you're ready for the full experience, try Holdings free.
Frequently Asked Questions
Are these business tools really free?
Yes — all 9 tools are completely free with no signup, no watermarks, and no limits. They run entirely in your browser.
Do I need to create an account?
No. Every tool works immediately with no account or email required. You can optionally enter your email to save your work or get a copy sent to your inbox.
Are these tools suitable for nonprofits?
Yes. Three tools are built specifically for nonprofits: the donation receipt generator (IRS-compliant 501(c)(3) receipts), the grant budget planner, and the board agenda builder. The other tools work great for nonprofits too.
Is my data secure?
All tools run client-side in your browser. Your data is never sent to our servers. PDFs are generated locally on your device.
What is Holdings?
Holdings is a free business banking and accounting platform for small businesses and nonprofits. These tools give you a taste of what Holdings automates — invoicing, expense tracking, financial reporting, and more — all built into one bank account.
Ready to stop doing this manually?
Holdings automates invoicing, expense categorization, financial reporting, and more — all inside a free business bank account. Zero fees. 1.75% APY. FDIC insured.
Try Holdings Free →