# Holded review (2026): is the free plan enough? > Cloud business management with invoicing, accounting and inventory Checked Nov 12, 2026 · graded Nov 12, 2026 by ToolGPA. 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. - **Category:** Accounting & Invoicing - **Made by:** Holded Technologies SL - **Website:** https://www.holded.com - **Runs on:** Web, iOS, Android - **Who should skip it:** Tight if you stay on the free plan: 20 invoices and 50 scanned expenses a year. - **Facts last checked:** Nov 12, 2026 ## Pricing As of Nov 12, 2026, Holded has a free plan, and paid plans start at €19 per month, excluding VAT. - **Pricing model:** Free plan - **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 | €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. | Read from https://www.holded.com/pricing on Nov 12, 2026. Prices change, so confirm with Holded before buying. ## Ways to pay less - **50% off the first 3 months** (Other savings): New customers get 50% off paid plans for their first 3 months, then the regular price applies, per the pricing page. Source: https://www.holded.com/pricing - **Black Friday: 70% off for 3 months** (Other savings): For new customers until 30 November 2026, every paid plan is 70% off for the first 3 months, in place of the usual 50%. Source: https://www.holded.com/pricing ## 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. ## Good for - Small companies in Spain that file Spanish VAT and income tax returns - Businesses that want invoicing, banking and accounting in one product - Teams that work alongside an external accountant, who gets a free seat ## 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. ## ToolGPA grades **GPA: 2.2 out of 4**, graded Nov 12, 2026. 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. - **Value for money: C.** €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. - **Free plan and trial: C.** The 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. - **Features: C.** Invoicing, accounting, banks, expense scanning, inventory and CRM. The tax forms and e-invoicing listed are Spanish, so coverage elsewhere is unclear. - **Ease of use: C.** No store rating on record. It's a wide suite with modules to switch on and banks to connect. - **Platforms and integrations: B.** Web, iPhone and Android, with Shopify, Stripe, PayPal, Zapier, Make and others, and API calls on Premium. These are ToolGPA's own grades. 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. ## Where it 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. The category's chart of price against score: https://toolgpa.com/charts/accounting ## Keep it, 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. - You could make: Invoicing, expense tracking, inventory and sales pipeline: an app builder makes these well. - You could not: Live feeds from your bank, which take an agreement with each bank or a service that has them. - You could not: A real app for iOS and Android. Something home-made would be a web page. - You could not: It plugs into other products, Shopify, Stripe and PayPal among them, and has an API. A judgement by ToolGPA from this listing, by rules that are the same for every tool. Nothing was built to test it. ## Works with Shopify, Stripe, PayPal, Zapier, Make, Amazon, Google Drive, Revolut **Tags:** Invoicing, Bookkeeping, Expense tracking, Inventory, Sales pipeline, Public API ## Alternatives - [Xero](https://toolgpa.com/tools/xero): Cloud accounting for small businesses, with unlimited users. [Compare](https://toolgpa.com/compare/holded-vs-xero) - [Odoo](https://toolgpa.com/tools/odoo): Business app suite whose Accounting app is free when used on its own. [Compare](https://toolgpa.com/compare/holded-vs-odoo) - [Zoho Books](https://toolgpa.com/tools/zoho-books): Online accounting from Zoho, with a free plan and six paid tiers. [Compare](https://toolgpa.com/compare/holded-vs-zoho-books) - [Sevdesk](https://toolgpa.com/tools/sevdesk): German online accounting and e-invoicing with a free plan. [Compare](https://toolgpa.com/compare/holded-vs-sevdesk) ## Sources The prices, plans, platforms and features above were read from these pages on Nov 12, 2026: - https://www.holded.com/pricing - https://www.holded.com/integrations Page: https://toolgpa.com/tools/holded Listed by ToolGPA (toolgpa.com).