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Holdings
All tools free — no signup required

Every tool your business needs. Totally free.

Run your finances without the spreadsheet. No signup, no cost.

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How is this free? Holdings makes money on payment processing when your AI-directed invoicing collects a payment (3% + $0.30 per). These tools are free because we want to be useful to you long before you have your first invoice.

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Invoice Generator

Create and send professional invoices in 30 seconds.

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Quote Generator

Build a professional quote or estimate. Convert to an invoice in one click.

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Painting Estimate Generator

Price a paint job by square footage, coats, and prep. Branded PDF estimate.

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Estimate Templates

Free estimate and quote templates for construction, trades, and services.

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Expense Tracker

Log and categorize business expenses automatically.

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Receipt Scanner

Snap a photo. It's already categorized.

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Mileage Tracker

Track business miles for IRS deductions.

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Reimbursement Form

Submit and approve expense reimbursements.

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Bank Fee Calculator

See how much your bank is really costing you.

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Self-Employment Tax Calculator

Estimate SE tax on your freelance income.

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Quarterly Tax Planner

Never miss an estimated payment again.

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S-Corp vs LLC Calculator

Find out when S-Corp election saves you money.

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Tax Dashboard

Year-round tax overview with deduction tracking.

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Depreciation Calculator

Calculate asset depreciation for tax purposes.

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Payroll Calculator

Calculate gross-to-net pay with tax withholdings.

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Contractor Payments

Pay contractors and auto-generate 1099s.

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Profit & Loss

Real-time P&L that updates with every transaction.

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Balance Sheet

Assets, liabilities, equity — always current.

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Statement of Financial Position

The nonprofit balance sheet — net assets by donor restriction.

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Statement of Activities

The nonprofit income statement — revenue, expenses by function.

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Cash Flow Forecast

See where your cash is going before it gets there.

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Revenue Tracker

Track revenue by client, project, or stream.

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Budget vs Actual

Compare planned spending to reality.

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Bill Manager

Scan an invoice. Approve. Paid.

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Donation Receipt Generator

IRS-compliant receipts sent automatically.

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Grant Budget Tracker

Track restricted funds against grant requirements.

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501(c)(3) Checklist

Step-by-step guide to tax-exempt status.

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501(c)(3) Formation Checklist

Everything you need to form a nonprofit.

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Board Agenda Builder

Board meeting minutes in 5 minutes, not 5 hours.

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Nonprofit Scorecard

Grade your nonprofit's financial health.

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Church Budget Planner

Budget by fund, ministry, and fiscal year.

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Business Valuation

Estimate what your business is worth.

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Loan Calculator

Calculate payments, interest, and amortization.

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Startup Runway Calculator

How many months until you need more funding?

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Freelancer Rate Calculator

Find your ideal hourly/project rate.

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Time Tracker

Track billable hours by client and project.

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W-9 Generator

Fill and send W-9 forms digitally.

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1099 Generator

Generate and file 1099 forms for contractors.

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Entity Quiz

LLC, S-Corp, C-Corp, or sole prop? Find out.

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IRR Calculator

Find the internal rate of return on your investment.

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CVP Analyzer

Cost-volume-profit analysis with multi-product support.

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Variance Analysis Calculator

Break down exactly why profit differed from plan.

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Market Sizing Calculator

Calculate TAM, SAM, and SOM for your pitch deck.

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Financing Fit Finder

Answer a few questions and see which types of financing actually fit your business — and why.

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Cap Table Calculator

Model equity, dilution, and waterfall distributions across funding rounds.

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Dilution Calculator

See exactly how a funding round dilutes every stakeholder.

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ROI Calculator

Calculate return on investment for any project or campaign.

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EIN Guide

Get your Employer Identification Number step by step.

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Need more than free tools?

Holdings connects your banking, accounting, and bookkeeping in one platform. Everything these tools do — automated, connected, and always up to date.

See what Holdings can do

Built by the platform that runs your books

These aren't throwaway calculators. They're built by Holdings — the connected platform for founders and operators. Agentic invoicing (free, MCP-native), full accounting ($25/mo), and connected business banking via i3 Bank (Member FDIC, coverage to $3M). Each tool here is a free, standalone piece of what the full platform automates.

Use them as long as you like — no signup, no catch. When you're ready to stop copying numbers between spreadsheets and have your books stay current on their own, create a free account. Banking and these tools are free; full accounting is $25/mo.

▶ Watch a 75-second walkthrough of the tools inside Holdings.

Private by design All data stays in your browser. Nothing is sent to our servers.
Instant — no signup Every tool works immediately. No accounts, no email gates.
Export anything Download PDFs, CSVs, and calendar files. No watermarks.

Frequently Asked Questions

Are these business tools really free?

Yes — all 48 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. Your data stays in your browser — nothing is sent to our servers.

Are these tools suitable for nonprofits?

Yes. We have a dedicated nonprofit category with tools for donation receipts, grant budgets, 501(c)(3) compliance, church budgets, board meetings, and more.

Is my data secure?

All tools run client-side in your browser. Your data never leaves your device. PDFs and exports are generated locally.

What is Holdings?

Holdings is a financial platform with 48+ free tools, accounting software, and connected banking for businesses and nonprofits. Get started free →