Holdings for Freelancers — Free Banking & Invoicing
Holdings for Freelancers
Run your freelance business. We'll handle the money side.
Free banking that earns 1.75% APY. Invoices with payment links so clients pay fast. Add accounting ($25/mo) and your books keep themselves — a paid invoice is already in your books, same event, nothing to reconcile — one tool, not a stack of subscriptions.
Available Balance
$48,250.00
+3 invoices paid this week
Operating
$31,400.00
Tax reserve
$11,850.00
Profit
$5,000.00
Free invoicing · accounting $25/mo
You went freelance to do the work you're good at. Not to manage four different tools.
Most freelancers end up with a bank account somewhere, invoicing in Wave or FreshBooks, expenses in a spreadsheet, and a mess to sort out every April. Holdings puts all of it in one place — and the free plan covers most of what you need.
Everything a freelancer needs. Nothing you don't.
Free business checking
A real business account — not a personal account you use for work. Zero monthly fees. Visa debit card. 1.75% APY on every dollar while it sits there.
Invoices with payment links
Build a branded invoice in 60 seconds. Add a payment link. Client pays by card from their phone. Done before you've moved on to the next project.
Quotes that convert to invoices
Send a quote for new work. Client approves. One click converts it to an invoice with a payment link. No re-entry.
Automatic bookkeeping
Transactions categorize themselves. Revenue tracks as it comes in. Your P&L updates automatically. Tax time stops being an event.
Free financial tools
Invoice generator, 1099 calculator, self-employment tax calculator, expense tracker, W-9 generator — all free, no account required.
The free plan covers most freelancers completely.
| Free | Software ($25/mo) | |
|---|---|---|
| Business checking | Yes | Yes |
| 1.75% APY | Yes | Yes |
| Invoices + quotes | Unlimited | Unlimited |
| Payment links | 3% + $0.30 | 3% + $0.30 |
| Automatic bookkeeping | Yes | Yes |
| Full double-entry accounting | No | Yes |
| P&L + Balance Sheet | No | Yes |
| Invoice branding | Logo | Full custom |
Most freelancers start on free and upgrade when their CPA asks for cleaner reports.
Frequently asked questions
Do I need an LLC to open a Holdings account?
Can I separate client retainers from regular income?
What about quarterly estimated taxes?
Focus on the work. Let Holdings handle the money.
What Our Customers Say
I had a fantastic onboarding experience with Holdings. The process was smooth, and their team was incredibly helpful every step of the way. Customer service was top notch.
— Verified Trustpilot Review
Jul 2025
Application and banking interface is easy to use. Allows you to get on with your day.
— Verified Trustpilot Review
Mar 2025
Application was easy, smooth, and fast. Enjoying the simple user interface and looking forward to exploring even more.
— Verified Trustpilot Review
Apr 2025
50+ deductions you're probably missing
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