# 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

The Freelancer Tax Deduction Checklist — organized by category with IRS rules, documentation tips, and quarterly payment schedule.  
Download the Free Checklist  
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