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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 62 free tools, plus 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.

Start Free → Explore All 62 Tools →

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.

Start Free → Explore All 62 Tools →

Frequently Asked Questions

Is Holdings available in the UK? ▾
Yes. Holdings' free business tools are fully available (with AI bookkeeping as a paid add-on) 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 62 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 62 free tools are free to use — no signup needed, no credit card required.

Disclosures

Holdings is a financial technology company and is not a bank. Banking services are provided by i3 Bank, Member FDIC. The Holdings Visa Debit Card is issued by i3 Bank pursuant to a license from Visa U.S.A. Inc. and may be used anywhere Visa cards are accepted.

No account or domestic transaction fees. Some foreign transaction fees may apply in limited circumstances.

Annual Percentage Yield (APY) is variable and subject to change after account opening. Rate is compounded monthly and credited monthly.

Deposits are insured up to $3 million total through a combination of i3 Bank, Member FDIC, and additional program banks. Each account is separately insured up to $250,000 per account holder per bank. Holdings accounts are subject to approval. Terms and conditions apply.