Set up, once
Link your banks through Plaid. We pull 90 days of transactions, suggest categories, and surface your recurring bills. A nine-step onboarding wizard turns the data into your first committed plan — about five minutes.
Money plans that hold.
Holdfast turns messy real-world finances into a concrete monthly plan with every dollar assigned.
A short planning step at the start of each month, drift narration through it, a recap at the end. Built for people moving from financial crisis to stability.
Free, or $99.99/yr for Holdfast Plus.
Holdfast is not a financial advisor. We help you organize your money and make your own decisions.
What it doesn’t do
Holdfast shows and organizes. It never prescribes.
Money is personal. A piece of software shouldn’t tell you what to do with yours — and ours doesn’t. Here’s what that means in practice.
What we won’t write
Move $200 from Dining to Rent — you can't afford it.
Great job staying on budget!
You should max out your IRA this month.
Don't worry, we've got you
What we will write
Groceries: $312 against a plan of $250. Pacing over.
Unallocated drift: +$45 for the month.
Cash-flow check: $42 short on 2026-05-18 — the bill arrives before payroll.
Sinking fund covered car insurance this period.
How it holds01 02 03
Set up once. Plan each month. Hold the line.
Holdfast is a recurring monthly loop, not a one-time setup tool. You set things up once, plan each month in a few minutes, and let drift narration run in the background until the next month opens.
Plan each month
On the first of every month, a short planning step opens. The budget wizard walks seven steps and re-drafts your variable targets against what last month actually did (~6 min). Carry-forward rolls the prior plan over when nothing has shifted (~30 sec).
Hold, reconcile, repeat
As transactions land, Holdfast narrates drift in plain English — never as instructions. The month closes with a recap, balances and surplus carry forward, and the next month opens. The loop tightens as the wizard gets real data to draft against.
recap → plan → hold → recap. The shape repeats.
Reconciliation
A plan you can read at a glance.
Every category, every goal, the cash-flow check, and a short narration of where the month is heading. No celebratory animations, no shame, no advice — just the numbers and what they suggest.
CurrentRecap
Variable categories
Groceries$312 / $250over
Dining$ 84 / $180under
Transport$140 / $150on track
Household$ 51 / $ 80under
Goal contributions
Emergency fund$220 / $220
Car insurancesinking fund covered the bill
Pricing
Free to organize. Plus for reconciliation.
One plan, billed yearly. No per-user fees, no feature drip. The founder rate locks your price for life while seats remain.
Free
$0
Organize your money. Build one plan. Up to three banks.
- Plaid bank connection (up to 3)
- Categorize transactions
- Build & commit one monthly plan
- One do-over per period (manual)
- Always-on Resources page
Holdfast Plus recommended
$99.99/yr
Reconciliation, Smart Mode, history. The full product.
- Everything in Free
- Monthly reconciliation & drift narration
- Smart Mode — deeper AI for harder conversations
- 12 months of recap history
- Unlimited connected institutions
- Do-over with wizard or manual, one per period
Founder rate limited
$79/yr · for life
For the first 500 Plus customers. Locked at $79/yr as long as you stay subscribed.
- Everything in Plus
- Price locked for the life of your subscription
- Direct access to founders for product input
Cancel any time. Cancelling drops Plus features at the end of the current period — your existing plans stay visible read-only.
Honest answers
Questions we hear, plainly answered.
Is this a one-time setup, or does it run every month?It runs every month. Onboarding is one-time.
It runs every month. Onboarding is one-time — about five minutes to connect, categorize, and commit your first plan. After that, the first of each month opens a short planning step: the seven-step budget wizard when something has shifted, or carry-forward when last month’s plan still fits.
Is this financial advice?No. Holdfast is not a financial advisor.
No. Holdfast is not a financial advisor. We help you organize your money and make your own decisions. The Resources page links to free, confidential help for legal, credit, and crisis situations — always reachable from Settings.
Is my data safe?Plaid handles the bank connection. Credentials stay with Plaid.
Plaid handles the bank connection — Holdfast never sees your bank credentials. Your transactions are stored on Google's servers with security rules so only your account can read them. You can disconnect a bank or delete your account from Settings at any time.
What AI does Holdfast use?
A fast AI model for everyday categorization and chat. Plus subscribers get Smart Mode, which uses a more thoughtful AI model for harder conversations. The AI is built to never give financial advice; a separate check makes sure the right help resources appear when crisis language appears.
Is there an app?Web today — add it to your home screen.
Holdfast is web today — install it to your home screen as a PWA. iOS and Android wrap-apps are coming, built from the same code so you keep your plan and history when you switch.
Can I import from YNAB / Mint / a spreadsheet?Bank links pull your history in automatically.
CSV import lands in the next release. Plaid connections cover most users from day one — once a bank is linked, 90 days of history is pulled automatically.
What if the plan breaks mid-month?One do-over per committed period.
Each committed period gets one do-over. From Settings → Re-budget a period, the planning surface reopens and a new commit replaces the previous plan; drift recomputes from there. Holdfast Plus offers wizard or manual modes; Free uses manual. One per period, ever.
Begin
A plan that holds when life shifts.
Five minutes to set up. A few minutes each month after. No credit card to start. Cancel any time.