Hold on to more of it.
hold. is the calm way to see where your money goes and where it stays. Track every purchase, set gentle limits, and save for real things with your partner.
- No bank connection, by design
- Two people, one budget
- The core is free forever
Everything you need to feel good about money
Simple habits. No spreadsheets, no guilt.
Know your money
Plan it
Share it
Keep at it
Track every purchase so you never lose sight of your spending. Clear categories, multiple accounts and currencies, and recurring transactions that log themselves.
Snap a photo and AI reads the whole thing: merchant, date, total, and every item sorted into its own subcategory. Tweak anything in the review sheet, then save it all as one detailed expense.
Set monthly caps per category and watch your progress fill in. You get a friendly heads-up before you overspend, not after.
Create a goal, put money aside when you can, and watch it grow. Goals can be private or shared with your partner, and money you save never makes your net worth dip.
Invite your partner with a simple link. See what each of you spent this month, split costs your way, and always know who owes who. Settling up takes one tap.
Close a month under budget and your streak grows, flame badge and all. Earned medals live in your Trophy Room, shared budgets get a friendly versus card, and every on-target month ends with a little celebration.
Holdy studies your spending and turns it into a clear, personal insight report every month. Curious about something in between? Just ask.
Start free. Upgrade when you want more.
The core of hold. is free forever. Premium unlocks the power features.
| Plan comparison | Free $0 forever | Premium Free trial available Pricing announced at launch Prices and trial length come from the App Store or Google Play. Cancel anytime. |
|---|---|---|
| Transactions and accounts | Free Unlimited | Premium Unlimited |
| Monthly budget | Free One | Premium One |
| Trip and project budgets | Free One | Premium More |
| Active goals | Free One | Premium More |
| Spending by category, with all five analytics cards | Free Included | Premium Included |
| Budget alerts and earned medals | Free Included | Premium Included |
| Multi-currency support | Free Included | Premium Included |
| AI receipt scanning with line-item detail | Free Not included | Premium Included |
| Holdy, your AI money coach: monthly insights plus chat | Free Not included | Premium Included |
| Sharing with your partner, which covers their plan too | Free Not included | Premium Included |
| The full monthly report, with insights from your own patterns | Free Not included | Premium Included |
| Your own categories and subcategories | Free Not included | Premium Included |
Frequently asked questions
Does hold. connect to my bank?
No, and that's by design. You log purchases yourself in seconds, or scan the receipt and let AI do it. What you spend stays between you and your phone.
Will hold. be free?
Yes. Logging transactions and adding accounts are not capped on the free plan. Everyone gets one monthly budget, one trip or project budget, and one active goal, along with spending by category and multi-currency support. Archived budgets and goals do not count, so finishing one frees its slot. Premium adds more trip and project budgets, more goals, and the AI features. The monthly budget stays one per person on every plan, Premium included, because a second one would compete with the first over the same spending.
When will hold. launch?
We're putting the finishing touches on the app. Join the waitlist and we'll email you the moment it's available on the App Store and Google Play.
How does the free trial work?
If the plan you pick includes a free trial, the paywall shows how long it lasts and the date you would first be charged, taken from the App Store or Google Play at the moment you look. We send a reminder two days before it ends. Cancel before then and you pay nothing.
Will I lose my data if I cancel Premium?
No. You keep access to all your data and all free features.
Is there a web version?
hold. is designed for your phone, where your spending happens. It will be available for iOS and Android.
Is my financial data safe?
Your data is encrypted in transit and stored securely. We never sell it. See our privacy policy for the full picture.
Be first in line
Join the waitlist and get hold. the day it launches.
