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Sage Accounting vs Holded Comparison (2026)

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Sage Accounting logo

Sage Accounting

Holded logo

Holded

Overview

Sage Accounting is an accounting system for small business owners. It has features to help users forecast their cashflow, send and track invoices and act on real-time reporting. Users can manage their business from anywhere, at any time, from the cloud and with mobile functionality. Sage Accounting application is available for iOS and Android.

It's a cloud-based invoicing software for freelancers, SMBs and accountant offices to control all aspects of their business and optimise their management.

  • Platforms supported
  • Web-based
  • iPhone app
  • Android app
  • Windows Phone app
  • Typical customers
  • Freelancers
  • Small businesses
  • Mid size businesses
  • Large enterprises
  • Customer support
  • Phone
  • Online
  • Knowledge base
  • Video tutorials
  • Platforms supported
  • Web-based
  • iPhone app
  • Android app
  • Windows Phone app
  • Typical customers
  • Freelancers
  • Small businesses
  • Mid size businesses
  • Large enterprises
  • Customer support
  • Phone
  • Online
  • Knowledge base
  • Video tutorials

Video & Screenshots

No videos yet

Pricing

Starting from

20

Per month

  • Free trial available
  • Credit cardless trial
  • Free account
  • Subscription based

Starting from

9.5

Per month

  • Free trial available
  • Credit cardless trial
  • Free account
  • Subscription based

User reviews

4.1

653

5

4

3

2

1

301

227

56

30

39

  • Value for money
  • Ease of use
  • Features
  • Customer support
63%
would recommend this app

4.6

351

5

4

3

2

1

257

68

10

6

10

  • Value for money
  • Ease of use
  • Features
  • Customer support
84%
would recommend this app

Pros

“What we liked least about Sage Accounting was its limited functionality for not-for-profit–specific needs. While it handles basic bookkeeping well, it lacks more advanced features such as fund accounting, detailed grant tracking, and restricted fund management, which are often essential for not-for-profit organizations.”
CC

Czarina C.

Senior Finance Officer

“The financial reporting suite is another highlight: P&L statements, balance sheets, and VAT reports are generated quickly and are detailed enough for both internal review and external audits.”
SH

Syed H.

Management Accoutant

“Features like automated bank feeds and real-time financial visibility help reduce manual work and improve accuracy, which is important when resources are limited.”
CC

Czarina C.

Senior Finance Officer

Pros

“The reporting tools provide clear insights into business performance, while the banking integrations help streamline reconciliation and reduce manual work.”
Verified reviewer profile picture

Andrea L.

Innovation Manager

“While Holded is very user-friendly, some advanced accounting and reporting features are less flexible than those offered by more specialised ERP solutions. As business needs become more complex, certain customisation options can feel somewhat limited.”
Verified reviewer profile picture

Andrea L.

Innovation Manager

“It simplifies everyday administrative tasks, making it much easier to manage transactions, track expenses, and keep financial information organised.”
Verified reviewer profile picture

Andrea L.

Innovation Manager

Cons

“Returns/refunds are confusing and writing stock off for store use is also a little difficult, as you need to open two tabs and search each item individually for their cost.”
AB

Alexis B.

Sales Associate

“The reconciliation process could be significantly improved, and both invoicing and expense tracking lack the level of efficiency and automation that is now standard in many competing tools. While Sage does market AI capabilities, they are not meaningfully integrated into the core user experience of Sage Business Cloud Accounting.”
BD

Blanka D.

Owner

“no report that captures P&L detailed together for cost centres, currently can only view one at a time, I need a report that lists all and breaks it down by Income and exp for comparison”
TI

Tara I.

bookkeeper

Cons

“Its major disadvantage is the external data processing with its API.”
EA

Enrique A.

Project Manager

“The working hours cannot be assigned by projects either.”
EA

Enrique A.

Project Manager

“Even if Holded is a spanish company they are not committed to manage all legal needs of spanish fiscal and accouting law.”
JM

Joseba M.

CEO

  • Vendor responds to reviews
  • Last review21 days ago
  • Vendor responds to reviews
  • Last review2 months ago

Key features

  • Total features101
  • ACH Payment Processing
  • API
  • Access Controls/Permissions
  • Accounting
  • Accounting Integration
  • Accounts Payable
  • Accounts Receivable
  • Activity Dashboard
  • Activity Tracking
  • Aging Tracking
  • Alerts/Notifications
  • Approval Process Control
  • Bank Reconciliation
  • Billing & Invoicing
  • Billing Portal
  • Budgeting/Forecasting
  • CRM
  • Calendar Management
  • Cash Flow Management
  • Cash Management
  • Check Processing
  • Check Writing
  • Client Management
  • Client Portal
  • Commission Management
  • Compliance Management
  • Construction Breakdowns
  • Contact Database
  • Contact Management
  • Contingency Billing
  • Core Accounting
  • Cost Management
  • Customer Statements
  • Customizable Invoices
  • Customizable Reports
  • Dashboard
  • Data Import/Export
  • Data Security
  • Document Management
  • Document Storage
  • Dunning Management
  • Duplicate Payment Alert
  • ERP integration
  • Electronic Funds Transfer
  • Electronic Payments
  • Employee Management
  • Estimating
  • Expense Management
  • Expense Tracking
  • Financial Management
  • Financial Reporting
  • Fixed Asset Management
  • For AEC Industry
  • For Accountants
  • For Medical Purposes
  • For Real Estate
  • For Small Businesses
  • Forecasting
  • Fraud Detection
  • Fund Accounting
  • General Ledger
  • Hourly Billing
  • Income & Balance Sheet
  • Integrated Business Operations
  • Inventory Management
  • Inventory Optimization
  • Inventory Tracking
  • Invoice Creation
  • Invoice History
  • Invoice Management
  • Invoice Processing
  • Job Costing
  • Marketing Automation
  • Mobile Access
  • Mobile App
  • Mobile Payments
  • Multi-Company
  • Multi-Currency
  • Multi-Location
  • Online Invoicing
  • Online Payments
  • Order Management
  • Overpayment Processing
  • Partial Payments
  • Payment Collection
  • Payment Processing
  • Payment Reconciliation
  • Payroll Management
  • Performance Metrics
  • Product Identification
  • Productivity Tools
  • Profit/Loss Statement
  • Project Accounting
  • Project Billing
  • Project Management
  • Project Time Tracking
  • Purchase Order Management
  • Purchase Order Reconciliation
  • Purchasing & Receiving
  • Quotes/Estimates
  • Real-Time Data
  • Real-Time Reporting
  • Receipt Management
  • Receivables Ledger
  • Recurring Invoicing
  • Recurring/Subscription Billing
  • Reminders
  • Remote Access/Control
  • Reporting & Statistics
  • Reporting/Analytics
  • Revenue Recognition
  • Sales Tax Management
  • Scheduling
  • Secure Data Storage
  • Spend Management
  • Status Tracking
  • Task Management
  • Tax Calculation
  • Tax Compliance
  • Tax Management
  • Third-Party Integrations
  • Time & Expense Tracking
  • Time Tracking
  • Timer
  • Training Management
  • Transaction Management
  • Vendor Management
  • Workflow Management
  • Total features75
  • ACH Payment Processing
  • API
  • Access Controls/Permissions
  • Accounting
  • Accounting Integration
  • Accounts Payable
  • Accounts Receivable
  • Activity Dashboard
  • Activity Tracking
  • Aging Tracking
  • Alerts/Notifications
  • Approval Process Control
  • Bank Reconciliation
  • Billing & Invoicing
  • Billing Portal
  • Budgeting/Forecasting
  • CRM
  • Calendar Management
  • Cash Flow Management
  • Cash Management
  • Check Processing
  • Check Writing
  • Client Management
  • Client Portal
  • Commission Management
  • Compliance Management
  • Construction Breakdowns
  • Contact Database
  • Contact Management
  • Contingency Billing
  • Core Accounting
  • Cost Management
  • Customer Statements
  • Customizable Invoices
  • Customizable Reports
  • Dashboard
  • Data Import/Export
  • Data Security
  • Document Management
  • Document Storage
  • Dunning Management
  • Duplicate Payment Alert
  • ERP integration
  • Electronic Funds Transfer
  • Electronic Payments
  • Employee Management
  • Estimating
  • Expense Management
  • Expense Tracking
  • Financial Management
  • Financial Reporting
  • Fixed Asset Management
  • For AEC Industry
  • For Accountants
  • For Medical Purposes
  • For Real Estate
  • For Small Businesses
  • Forecasting
  • Fraud Detection
  • Fund Accounting
  • General Ledger
  • Hourly Billing
  • Income & Balance Sheet
  • Integrated Business Operations
  • Inventory Management
  • Inventory Optimization
  • Inventory Tracking
  • Invoice Creation
  • Invoice History
  • Invoice Management
  • Invoice Processing
  • Job Costing
  • Marketing Automation
  • Mobile Access
  • Mobile App
  • Mobile Payments
  • Multi-Company
  • Multi-Currency
  • Multi-Location
  • Online Invoicing
  • Online Payments
  • Order Management
  • Overpayment Processing
  • Partial Payments
  • Payment Collection
  • Payment Processing
  • Payment Reconciliation
  • Payroll Management
  • Performance Metrics
  • Product Identification
  • Productivity Tools
  • Profit/Loss Statement
  • Project Accounting
  • Project Billing
  • Project Management
  • Project Time Tracking
  • Purchase Order Management
  • Purchase Order Reconciliation
  • Purchasing & Receiving
  • Quotes/Estimates
  • Real-Time Data
  • Real-Time Reporting
  • Receipt Management
  • Receivables Ledger
  • Recurring Invoicing
  • Recurring/Subscription Billing
  • Reminders
  • Remote Access/Control
  • Reporting & Statistics
  • Reporting/Analytics
  • Revenue Recognition
  • Sales Tax Management
  • Scheduling
  • Secure Data Storage
  • Spend Management
  • Status Tracking
  • Task Management
  • Tax Calculation
  • Tax Compliance
  • Tax Management
  • Third-Party Integrations
  • Time & Expense Tracking
  • Time Tracking
  • Timer
  • Training Management
  • Transaction Management
  • Vendor Management
  • Workflow Management

Integrations

  • Total integrations42
  • 9Spokes
  • AutoEntry
  • Business Importer
  • Capsule
  • Chaser
  • Clockodo
  • Coastr
  • Commusoft
  • Construction Manager
  • Coretime
  • Cyclr
  • Dext
  • DocFlite
  • Dropbox
  • EZRentOut
  • Eworks Manager
  • Fathom
  • Findity
  • Flowgear
  • Futrli
  • G-Accon
  • Gas Engineer Software
  • GoCardless
  • Joiin
  • Lightspeed Retail
  • LiveCosts
  • Mailgun
  • Mailjet
  • Manu Online
  • Matters.Cloud
  • Mollie
  • MotorDesk
  • OnePageCRM
  • Opayo
  • PayPal Payments
  • Pleo
  • PrestaShop
  • Satago
  • ScaleXP
  • Shopify
  • Silverfin
  • Soldo
  • Square Online
  • Stripe Payments
  • Syft Analytics
  • Synergist
  • Wix
  • WooCommerce
  • Zapier
  • Zoho Analytics
  • Zoho Expense
  • talech
  • Total integrations13
  • 9Spokes
  • AutoEntry
  • Business Importer
  • Capsule
  • Chaser
  • Clockodo
  • Coastr
  • Commusoft
  • Construction Manager
  • Coretime
  • Cyclr
  • Dext
  • DocFlite
  • Dropbox
  • EZRentOut
  • Eworks Manager
  • Fathom
  • Findity
  • Flowgear
  • Futrli
  • G-Accon
  • Gas Engineer Software
  • GoCardless
  • Joiin
  • Lightspeed Retail
  • LiveCosts
  • Mailgun
  • Mailjet
  • Manu Online
  • Matters.Cloud
  • Mollie
  • MotorDesk
  • OnePageCRM
  • Opayo
  • PayPal Payments
  • Pleo
  • PrestaShop
  • Satago
  • ScaleXP
  • Shopify
  • Silverfin
  • Soldo
  • Square Online
  • Stripe Payments
  • Syft Analytics
  • Synergist
  • Wix
  • WooCommerce
  • Zapier
  • Zoho Analytics
  • Zoho Expense
  • talech