e-conomic vs Holded (2026): which should you pick?

Pick e-conomic if

• Fits if you run a Danish company with an accountant who logs in too
• Works for businesses that want an API into their own tools

Look elsewhere if

• Pricey if you post a lot: the price rises when you pass your postings limit
• Skip it if you need orders, quotes or reminders, because they sit on Plus at 299 kr. and above
• Watch out: extra users are an add-on, and only Komplet includes one
• Watch out: time registration is a separate add-on at 79 kr. a month
• Not for you if you want yearly billing discounts: the page lists none, and it is billed quarterly

Pick Holded if

• Fits if you're a Spanish freelancer who needs invoicing with Verifactu
• Makes sense if you want inventory and a CRM next to your books

Look elsewhere if

• Tight if you stay on the free plan: 20 invoices and 50 scanned expenses a year
• Watch out: Basic allows 2 users and Standard 4, and extra users cost €12 a month each
• Watch out: Inventory starts at €25 a month and HR is €3 per employee, both as add-ons
• Not for you if you're outside Spain, unless you've checked the tax forms for your country
• Pricey if you need full accounting: that starts at Standard, €69 a month

e-conomic

• Prices are in Danish kroner excluding VAT, and rise automatically when a company passes its postings limit.
• Billed quarterly by invoice; the pricing page lists no yearly discount.
• Extra users are an add-on; only Komplet includes one extra user.
• Time registration is a separate add-on at 79 kr. a month, or 39 kr. for the mobile version.

Holded

• Prices are in euros, exclude VAT, and the page does not say whether the figures assume monthly or annual billing.
• Each plan caps users (2 on Basic, 4 on Standard); extra users cost €12 a month each.
• Inventory starts at €25 a month and the HR module is €3 per employee a month, both as add-on Gems.
• Tax forms and e-invoicing features listed on the page are Spanish; check coverage for other countries.

e-conomic

Bookkeeping and VAT

General ledger, VAT accounting, reports, year-end close, currency handling and e-invoicing are part of the core in every package.

Bank connection

Bank transactions flow into the books automatically; the page says it connects to all banks in Denmark, so no CSV imports are needed.

Orders, quotes and reminders

Send orders and quotes by email, PDF or online link, and keep track of customers who have not paid on time.

Receipt matching and suggestions

Receipt matching, automatic reading of receipts and posting suggestions cut manual entry; some of these start at Smart.

Accountant access

An accountant or bookkeeper can be given direct access to the books at no extra charge.

Open API and integrations

An open API connects e-conomic to the rest of a company's systems; the vendor says more than 200 integrations exist.

Holded

Invoicing and quotes

Unlimited invoices on paid plans, with quotes, proformas, recurring invoices, a client portal, multi-currency and Verifactu.

Accounting

Standard and above add automatic journal entries, analytical accounting and annual accounts that an accountant can work from.

Bank connections and Wallet

Connect bank accounts to match transactions with invoices and expenses; Holded Wallet adds supplier payments and team cards.

Expense scanner

Scans receipts and extracts their data, with a fair-use limit tied to the plan's AI usage.

Spanish tax forms

Lists VAT models 303, 347, 349, 369 and 390 and IRPF models, with corporate tax forms 200 and 202 from Standard.

Inventory, CRM and projects

Inventory and HR are paid Gems; the CRM and project profitability tracking are part of the plans.

e-conomic

• Basis249 kr.

  per month excl. VAT, for up to 1,000 postings a year

  Core bookkeeping, VAT, invoicing, bank connection and API access. Price rises with the postings tier; no setup fee.

• Plus299 kr.

  per month excl. VAT, for up to 1,000 postings a year

  Basis plus orders, quotes and payment reminders. Price rises with the postings tier.

• Smart399 kr.

  per month excl. VAT, for up to 1,000 postings a year

  Adds bank workflows, automatic posting suggestions and receipt matching. Price rises with the postings tier.

• Komplet649 kr.

  per month excl. VAT, for up to 1,000 postings a year

  Adds company cards, extended approvals, extra dimensions, holding-company setup and one extra user.

Holded

• Light€0

  Free invoicing with Verifactu for 1 user, limited to 20 invoices and 50 scanned expenses a year.

• Starter€19

  per month, excluding VAT

  1 user with unlimited invoices and expense scanning, 1 connected bank, VAT and income tax returns and a sales funnel.

• Basic€34

  per month, excluding VAT

  2 users, 5 connected banks, cash flow, 10 recurring invoices, recurring purchases and 1 free point-of-sale store.

• Standard€69

  per month, excluding VAT

  4 users, full accounting, unlimited banks, SEPA remittances, corporate tax forms and user roles.

• Advanced€115

  per month, excluding VAT

  7 users, custom roles and fields, payment reminders, cash flow scenarios and priority support.

• Premium€229

  per month, excluding VAT

  15 users, unlimited recurring invoices, multi-country VAT and 100,000 API calls a month.

e-conomic

No public discounts listed.

Holded

• Other savings

  50% off the first 3 months

  New customers get 50% off paid plans for their first 3 months, then the regular price applies, per the pricing page.

• Other savings

  Black Friday: 70% off for 3 months

  For new customers until 30 November 2026, every paid plan is 70% off for the first 3 months, in place of the usual 50%.