The Holded Insider’s Guide
Everything we know about Holded in one document: what it costs, its grades, getting a refund, getting help and what else to look at. Read it here, or keep a copy.
Holded
The Insider’s Guide
Cloud business management with invoicing, accounting and inventory
Every plan, grade, refund rule and rival among accounting and invoicing tools, read from Holded’s own pages.
Made by Holded Technologies SL · checked Nov 12, 2026 · toolgpa.com
Contents
- 01WelcomeWhat it is, who it suits, its grades and the ten things to know first
- 02What it costsEvery plan, the free plan, ways to pay less and how prices have moved
- 03What it doesIts main features, where it runs, what it works with and who makes it
- 04Where it standsIts grades against its category, and whether to keep it or make your own
- 05The alternativesThe tools it is most often weighed against, side by side
- 06Quick answersThe questions people ask about it, each answered in a line or two
- 07About ToolGPAWho made this guide, what else is on the site, and how to cite it
ToolGPA put this guide together from Holded’s own pages, its app-store listings and our grades. Every fact in it is on Holded’s page too, where it is kept up to date. Checked Nov 12, 2026.
Part 01 · Overview
Welcome
What it is, who it suits, its grades and the ten things to know first
2.2
GPA, above 22 of the 65 other accounting and invoicing tools we grade
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.
To get you started, here are 9 things to know about Holded, taken from its own pages and our grades.
It's a wide suite with modules to switch on and banks to connect.
- 1
Best for invoicing and accounting for Spanish businesses
Its pricing page would not load for this check.
- 2
Paid plans start at about $21.23 a month
As its pricing page puts it: €19 per month, excluding VAT.
- 3
There is a free plan
Light plan: 1 user, 20 invoices a year, 50 scanned expenses a year, unlimited contacts and a client portal.
- 4
It runs on 3 platforms
Web, iOS and Android.
- 5
Invoicing and quotes
Unlimited invoices on paid plans, with quotes, proformas, recurring invoices, a client portal, multi-currency and Verifactu.
- 6
Accounting
Standard and above add automatic journal entries, analytical accounting and annual accounts that an accountant can work from.
- 7
Bank connections and Wallet
Connect bank accounts to match transactions with invoices and expenses; Holded Wallet adds supplier payments and team cards.
- 8
A 2.2 GPA, above 22 of 65
That is against the other accounting and invoicing tools we grade, on value, the free plan, features, ease of use and platforms.
- 9
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.
Holded at a glance
- Pricing
- Free plan, from €19 per month, excluding VAT
- Free plan
- Yes
- Free trial
- 14-day free trial on paid plans, no credit card required
- Runs on
- Web, iOS, Android
- Made by
- Holded Technologies SL
- Category
- Accounting & Invoicing
- Our grade
- 2.2 GPA, fair
The report card
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.
| Subject | Grade | Comment |
|---|---|---|
| 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. |
An A is worth 4 points, a B 3, a C 2, a D 1 and an F nothing. The GPA is the average of the five.
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 it 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
Good to know
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.
Part 02 · Pricing
What it costs
Every plan, the free plan, ways to pay less and how prices have moved
~$21.23
A month to start. There is a free plan too
Holded has a free plan. Paid plans start at €19 per month, excluding VAT.
That's around the middle of the category, and the page doesn't say if it assumes monthly or yearly billing.
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.
The free plan
Light plan: 1 user, 20 invoices a year, 50 scanned expenses a year, unlimited contacts and a client portal.
Trying it first
14-day free trial on paid plans, no credit card required
Read from holded.com on Nov 12, 2026.
Ways to pay less
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.
Stated on holded.comOther 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%.
Stated on holded.com
Part 03 · Features
What it does
Its main features, where it runs, what it works with and who makes it
3
Places it runs: Web, iOS and Android
Cloud business management with invoicing, accounting and inventory. Here is what it does, as its own site describes it, and what it covers: public API, sales pipeline, invoicing, bookkeeping, expense tracking, inventory.
Invoicing, accounting, banks, expense scanning, inventory and CRM.
- 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.
Where it runs
- Web
- iOS
- Android
What it works with
- Shopify
- Stripe
- PayPal
- Zapier
- Make
- Amazon
- Google Drive
- Revolut
Holded is made by Holded Technologies SL.
Part 04 · Standing
Where it stands
Its grades against its category, and whether to keep it or make your own
22/65
Other accounting and invoicing tools it is graded above
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
- CFree plan and trialAbove 15 of 65
- CFeaturesAbove 4 of 65
- CEase of useAbove 1 of 65
- BPlatforms and integrationsAbove 13 of 65
Price against what you get
Each dot is one of 58 accounting and invoicing tools. Further left costs less; higher up scores better on features, ease of use and platforms. Holded is the marked dot.
What paid plans start at, a month (each step along is roughly double) →
Keep it, or make your own?
Whether this is something you could build for yourself with an AI app builder, and what you would give up.
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.
Part 05 · Alternatives
The alternatives
The tools it is most often weighed against, side by side
Xero, Odoo, Zoho Books and Sevdesk
The 4 tools Holded is most often weighed against, with where each one differs from it.
- 2.6GPA
Xero
Free trial · from $27/mo
Cloud accounting for small businesses, with unlimited users.
- Holded has a free plan. Xero does not, though it has a free trial.
- Holded also covers sales pipeline and inventory.
- Xero also covers reports and payroll.
- 3.2GPA
Odoo
Free plan · from $31.10/mo
Business app suite whose Accounting app is free when used on its own.
- Odoo is open source and self-hostable, according to its own site.
- Holded also covers sales pipeline and inventory.
- Odoo also covers reports.
- 3.4GPA
Zoho Books
Free plan · from $15/mo
Online accounting from Zoho, with a free plan and six paid tiers.
- Only Zoho Books lists a Windows app.
- Holded also covers sales pipeline and inventory.
- Zoho Books also covers reports.
- 2.2GPA
Sevdesk
Free plan · from €12.90/mo
German online accounting and e-invoicing with a free plan.
- Holded also covers sales pipeline and inventory.
- Sevdesk also covers reports and quotes and estimates.
Part 06 · Questions
Quick answers
The questions people ask about it, each answered in a line or two
15
Questions, each answered in a line or two
The short version of everything above, for when you only need the answer. Each one is told in full in its part of the guide.
Is Holded free?
Holded has a free plan. Light plan: 1 user, 20 invoices a year, 50 scanned expenses a year, unlimited contacts and a client portal.
How much does Holded cost?
Holded lists 6 plans. Light: €0.
What platforms does Holded work on?
Holded is available on Web, iOS and Android.
Does Holded offer any discounts?
Holded publicly lists the following: 50% off the first 3 months; Black Friday: 70% off for 3 months.
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.
What does Holded integrate with?
Holded's listing names Shopify, Stripe, PayPal, Zapier, Make, Amazon, Google Drive and Revolut.
Does Holded have a free trial?
Yes. 14-day free trial on paid plans, no credit card required.
Who makes Holded?
Holded is made by Holded Technologies SL.
What are the alternatives to Holded?
The closest alternatives to Holded in our directory are Xero, Odoo, Zoho Books and Sevdesk.
How does Holded compare with other 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.
Is Holded good value for money?
ToolGPA grades Holded C for value for money. 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.
Could I make my own version of Holded?
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.
Where this guide comes from
The prices, plans, platforms and features were read from Holded’s own pages on Nov 12, 2026, and the grades were given on Nov 12, 2026. 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.
Every tool we list gets five grades, A to F, each with its reason, and a GPA that averages them. How each is decided is at toolgpa.com/grades. This guide is ToolGPA’s own work; it is not made, paid for or approved by Holded Technologies SL. Prices change, so check holded.com before you buy.
Part 07 · About
About ToolGPA
Who made this guide, what else is on the site, and how to cite it
5,038
Tools graded, in 95 categories
ToolGPA grades software the way a school report grades a pupil: five subjects, a letter for each with the reason written beside it, and a GPA that averages them. Prices, plans and platforms are read from each maker’s own pages and dated, so you always know how fresh a figure is.
Every grade, review and ranking on ToolGPA is our own judgement. No company can pay for a grade or change one. Every tool on the site has a guide like this one, free to download and pass on. It all lives at toolgpa.com.
5,038
tools graded
95
categories
739
price changes on record
579
apps priced in 12 countries
What else is on toolgpa.com
- Holded, kept up to dateEverything in this guide, with prices and grades as they are todaytoolgpa.com/tools/holded
- How grades are givenThe rules behind every letter and every GPAtoolgpa.com/grades
- Value chartsWhat each tool costs against what it scores, for every categorytoolgpa.com/charts
- CompareAny two tools side by side, plan by plantoolgpa.com/compare
- Price changesEvery price rise and cut on record, each with its sourcetoolgpa.com/price-changes
- Prices by countryWhat apps cost on the App Store in 12 countriestoolgpa.com/prices-by-country
- Pay lessEvery public discount: yearly billing, students, nonprofitstoolgpa.com/save
- Keep or makeWhich tools are worth paying for, and which you could build yourselftoolgpa.com/keep-or-make
Scan for the live page
Prices and grades as they are today
Quoting this guide?
Please name ToolGPA and link to the live page, so readers can check the figures for themselves:
ToolGPA, "Holded: The Insider's Guide", checked Nov 12, 2026. https://toolgpa.com/tools/holded
Know someone choosing between accounting and invoicing tools?
Send them this guide: toolgpa.com/tools/holded/guide
ToolGPA elsewhere: youtube.com/@toolgpa
See our other guides
The best-graded accounting and invoicing tools after Holded, each with an Insider's Guide of its own.
- Accounting & Invoicing Insider's GuideEvery one of the 67 accounting and invoicing tools we grade, compared
- Zoho Invoice Insider's GuideFree invoicing app from Zoho for freelancers and small businesses3.6 GPA
- Zoho Books Insider's GuideOnline accounting from Zoho, with a free plan and six paid tiers3.4 GPA
- Odoo Insider's GuideBusiness app suite whose Accounting app is free when used on its own3.2 GPA
Choosing software? Every tool graded, every price dated.
Compare tools at toolgpa.com ›Everything in this guide is ToolGPA’s own summary of what Holded’s pages, its app-store listings and public reviews said on the dates shown. Grades are our judgement under the rules at toolgpa.com/grades. Every grade, review and ranking on ToolGPA is our own judgement. No company can pay for a grade or change one. Holded is a trademark of its owner, and this guide is not made, paid for or approved by Holded Technologies SL. Prices and plans change: check holded.com before you buy.