Holded review (2026): is the free plan enough?
Cloud business management with invoicing, accounting and inventory
Black Friday: is there a Holded sale?
Holded report card
Fair · out of 4.0 · graded Nov 12, 2026
Best for invoicing and accounting for Spanish businesses
Holded is cloud business software with invoicing, accounting and inventory, from €19 a month, plus a free plan capped at 20 invoices a year. Each plan caps users, extra users cost €12 a month each, and the tax forms listed are Spanish. Its pricing page would not load for this check.
Who Holded is for
- 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
Who Holded is not for
- 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
Why Holded gets a 2.2
Five grades, each with its reason. The GPA is their average: an A is 4 points, an F is none.
- CValue for money€19 a month for Starter, €34 for Basic and €69 for Standard, excluding VAT. That's around the middle of the category, and the page doesn't say if it assumes monthly or yearly billing.
- CFree plan and trialThe free Light plan stops at 1 user, 20 invoices and 50 scanned expenses a year. Paid plans have a 14-day trial with no card.
- CFeaturesInvoicing, accounting, banks, expense scanning, inventory and CRM. The tax forms and e-invoicing listed are Spanish, so coverage elsewhere is unclear.
- CEase of useNo store rating on record. It's a wide suite with modules to switch on and banks to connect.
- BPlatforms and integrationsWeb, iPhone and Android, with Shopify, Stripe, PayPal, Zapier, Make and others, and API calls on Premium.
What these grades rest on. Graded from this listing, whose facts were read from Holded's own pages on 12 November 2026. Its pricing page would not load for this check, so the listing was used as it stands. Not based on using the product, and shorter than our full reviews. How we review and grade.
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<a href="https://toolgpa.com/tools/holded#review"><img src="https://toolgpa.com/badge/holded.svg" alt="Holded: 2.2 GPA on ToolGPA" width="196" height="56"></a>Where Holded stands among accounting and invoicing tools
Holded's GPA of 2.2 is higher than 22 of the 65 other accounting and invoicing tools we grade, and level with 15.
It stands best on platforms and integrations (B, above 13 of 65) and worst on ease of use (C, above 1).
Its paid plans start at about $21.23 a month, against a middle price of $18.09 for the category: 29 of the 54 others that charge start lower.
On features, ease of use and platforms it scores 2.3 out of 4. 8 tools score higher and cost less.
Each grade against the category
Every bar is all 66 accounting and invoicing tools we grade, cut by the letter each got. Holded’s own letter is outlined.
- CValue for moneyAbove 13 of 65, level with 34
- CFree plan and trialAbove 15 of 65, level with 34
- CFeaturesAbove 4 of 65, level with 46
- CEase of useAbove 1 of 65, level with 56
- BPlatforms and integrationsAbove 13 of 65, level with 46
Price against what you get
Each dot is one of 58 accounting and invoicing tools. Further left costs less, and higher up scores better on features, ease of use and platforms. Point at a dot to see which tool it is.
Features, ease of use and platforms, averaged
What paid plans start at, a month (each step along is roughly double) →
- The best score at each price
- Has a free plan
- No free plan
Keep Holded, or make your own?
Keep it
To replace Holded you would be making live feeds from your bank, which take an agreement with each bank or a service that has them. That is not a weekend's work, with an AI app builder or without one.
It costs $254.72 a year.
What you could make
- Invoicing, expense tracking, inventory and sales pipeline: an app builder makes these well.
What you could not
- Live feeds from your bank, which take an agreement with each bank or a service that has them.
- A real app for iOS and Android. Something home-made would be a web page.
- It plugs into other products, Shopify, Stripe and PayPal among them, and has an API.
What this rests on. Holded’s listing: what it does, where it runs, what it plugs into and what it costs. It is a judgement about the kind of software this is. We have not built a replacement for it, and making your own means looking after it too. How we decide, and every tool’s verdict.
What is Holded?
Holded is a cloud business management suite from Spain that combines invoicing, accounting, bank connections, a CRM, projects and an expense scanner. Plans are priced in euros and tiered by the number of users, with add-on modules called Gems for inventory, HR and extra users. Its pricing page includes Spain-specific tax and e-invoicing features.
Worth knowing
- 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.
Key features
- 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.
Holded pricing
As of Nov 12, 2026, Holded has a free plan, and paid plans start at €19 per month, excluding VAT.
- Starts at
- €19 per month, excluding VAT
- Free plan
- Light plan: 1 user, 20 invoices a year, 50 scanned expenses a year, unlimited contacts and a client portal.
- Free trial
- 14-day free trial on paid plans, no credit card required
| Plan | Price | What you get |
|---|---|---|
| Light | €0 | Free invoicing with Verifactu for 1 user, limited to 20 invoices and 50 scanned expenses a year. |
| Starter | €19per month, excluding VAT | 1 user with unlimited invoices and expense scanning, 1 connected bank, VAT and income tax returns and a sales funnel. |
| Basic | €34per month, excluding VAT | 2 users, 5 connected banks, cash flow, 10 recurring invoices, recurring purchases and 1 free point-of-sale store. |
| Standard | €69per month, excluding VAT | 4 users, full accounting, unlimited banks, SEPA remittances, corporate tax forms and user roles. |
| Advanced | €115per month, excluding VAT | 7 users, custom roles and fields, payment reminders, cash flow scenarios and priority support. |
| Premium | €229per month, excluding VAT | 15 users, unlimited recurring invoices, multi-country VAT and 100,000 API calls a month. |
Read from holded.com on Nov 12, 2026. Prices change, so confirm with Holded before you buy.
Ways to pay less
- Other savings50% 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.
Stated on holded.com - Other savingsBlack 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%.
Stated on holded.com
Works with
Holded alternatives
- Holded vs Xero
Free trial · from $27/mo
- Holded vs Odoo
Free plan · from $31.10/mo
- Holded vs Zoho Books
Free plan · from $15/mo
- Holded vs Sevdesk
Free plan · from €12.90/mo
Common questions
Does Holded have a Windows app?
No Windows app was listed when its pages were read on Nov 12, 2026. Holded is listed for Web, iOS and Android.
Does Holded have a macOS app?
No macOS app was listed when its pages were read on Nov 12, 2026. Holded is listed for Web, iOS and Android.
Is Holded open source?
Holded is not described as open source on its own site, as read on Nov 12, 2026.
Does Holded have an API?
Yes. Holded offers a public API, according to its own site.
Sources for this page
The prices, plans, platforms and features above were read from these pages on Nov 12, 2026.