Pricing — One product. One add-on. | Holdings

One product. One add-on.

Invoicing is free — no monthly fee. Accounting add-on when you want it: $25/mo, 30-day trial.

Monthly | Annual (save 20%)

Invoicing + banking

No monthly fee.

$0

Unlimited invoicing, quotes, payment links, and QR codes. Direct any AI (Claude, ChatGPT, Cursor) via MCP. Visa debit and sub-accounts included. No credit card to start.

Card processing is Stripe's standard rate — Holdings doesn't mark it up.

Accounting add-on

$25/mo (or $240/yr annually)

Full double-entry accounting on top of your invoicing. Every payment reconciled the moment it clears. 30-day free trial.

Everything in Invoicing, plus:

30-day free trial. Cancel anytime; your data + free plan carry forward.

Fund accounting at the same $25/mo.

Purpose-built for 501(c)(3)s: restricted-fund tracking, grant tracking, and board-ready reports. Verified nonprofits also get a free public profile, verified badge, and directory listing.

Straight answers.

Is invoicing really no monthly fee?

Yes. $0/mo, no credit card required to start. Unlimited invoicing, quotes, payment links, MCP access, and 48+ free tools included. You only pay when a client actually pays you — 3% + $0.30 per card charge, which is Stripe's standard rate.

What does the accounting add-on include?

Full double-entry accounting, auto-categorization with custom rules, P&L + balance sheet + general ledger reports, and bank reconciliation via Plaid — plus recurring invoices, auto-reminders, and your own branding on invoices (the “Powered by Holdings” mark comes off). $25/mo, or $240/yr if billed annually (save 20%).

Is there a free trial of the accounting add-on?

Yes — every new accounting subscription starts with a 30-day free trial of the full plan. After that it's $25/mo, or $240/yr annually. The invoicing plan is separate and stays free, so there's nothing to lose either way.

Is there special pricing for nonprofits?

Nonprofits get purpose-built Fund Accounting at the same $25/mo ($240/yr billed annually) — restricted fund tracking, grant tracking, and board-ready reports. Verified 501(c)(3)s also get a free public profile, verified badge, and directory listing.

Do I need a Holdings bank account to use the accounting?

No. Holdings accounting connects to your existing bank via Plaid. Your invoicing, payments, and books work regardless of who you bank with.

Is my money safe?

Yes. Deposits are held at i3 Bank, Member FDIC, insured up to $3M via program banks. SOC 1 Type II certified, PCI DSS compliant, 256-bit AES encryption.

Can I switch plans or cancel?

Anytime. Upgrade, downgrade, or cancel in one click. Your data carries forward, and the invoicing plan stays.