Skip to main content
Holdings

🇬🇧

Free Business Tools & AI Bookkeeping for UK Businesses

Running a business in the UK means juggling VAT returns, Companies House filings, HMRC deadlines, and a hundred other things that aren't your actual job. Holdings gives you 35+ free business tools and AI-powered bookkeeping that handles the financial busywork — so you can focus on growing your business.

No subscriptions for the tools. No complicated setup. Just sign up and start using them today.

Free Tools for UK Businesses

Invoice Generator

Create professional invoices in GBP with VAT line items — download or send instantly.

VAT Calculator

Calculate VAT-inclusive and VAT-exclusive amounts at 20%, 5%, or zero-rated — no spreadsheet needed.

Profit Margin Calculator

Know your margins in pounds before you price a product or pitch a client.

Business Name Generator

Generate available business names and check Companies House availability.

Cash Flow Forecast

Project your cash position week by week so you're never caught short.

Receipt Scanner

Snap a photo of a receipt and let AI extract the merchant, amount, VAT, and category.

Expense Tracker

Log business expenses in GBP with categories that map to HMRC self-assessment.

ROI Calculator

Model the return on any business investment before you commit the spend.

AI Bookkeeping That Works for UK Businesses

Holdings AI Bookkeeping (£7/mo) does the work your spreadsheet can't. It automatically categorises transactions, tracks VAT on every line item, and keeps your books aligned with FRS 102 and IFRS standards. Whether you're a sole trader filing through self-assessment or a limited company reporting to Companies House, the AI learns your business and gets smarter over time.

No more end-of-year panic — your books stay current, always.

Get Started — It's Free

Your free business tools are waiting. Sign up in 60 seconds — no credit card, no commitment. When you're ready for AI bookkeeping, it's just £7/mo.

Frequently Asked Questions

Is Holdings available in the UK?
Yes. Holdings' free business tools and AI bookkeeping are fully available to UK businesses. Our banking products (checking accounts, debit cards, APY) are currently US-only through our banking partner i3 Bank, Member FDIC.
Do I need a US bank account to use Holdings?
No. You can use all 35+ free tools and our AI bookkeeping product without any US bank account. Just sign up with your email and you're in.
Does your bookkeeping handle VAT?
Yes. Our AI bookkeeping tracks VAT at standard (20%), reduced (5%), and zero rates across all your transactions. It categorises expenses to align with HMRC reporting requirements.
Is my data secure?
Absolutely. Holdings is SOC 1 Type II certified, PCI DSS compliant, uses 256-bit AES encryption, and maintains a 99.99% uptime SLA. Your financial data is protected to the same standard as major banks.
How much does AI bookkeeping cost?
AI bookkeeping is £7/mo. All 35+ business tools are free to use — no account required, no credit card required.