Holded vs Quipu 2026: Spain’s Top Invoicing Tools Compared in English

Holded and Quipu appear together in every search about Spanish invoicing software, but they are not the same kind of product: Quipu is an invoicing-and-taxes tool that does one job very well; Holded is a full ERP (invoicing plus accounting, inventory, CRM, projects and basic payroll) that does many. Picking wrong in either direction costs money: paying ERP prices to issue four invoices a month, or outgrowing a lean tool the year your business adds stock and staff. For anyone running a business in Spain (including the growing crowd doing it in English), here is the honest breakdown.

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Pricing 2026, side by side

Indicative prices July 2026 with annual billing, before VAT. Both have adjusted plans around the Verifactu rollout; verify current rates.

👉 Try Quipu free · Try Holded free

What each one actually does

Quipu: invoicing and Spanish taxes, no noise

• Invoices and quotes, recurring billing, and a genuinely polished receipt-scanning flow (photograph the expense, it books itself).
• Spanish freelancer taxes solved: filing-ready drafts of the Modelo 303, 130, 111 and 115, with deadline alerts, the feature that makes Spanish tax quarters bearable.
• Bank feeds for reconciliation, and built-in advisor access for your gestor.
• What it does NOT do: full double-entry accounting with a navigable chart of accounts, multi-warehouse inventory, CRM, projects.

Holded: the ERP that grows with you

• Everything above plus: complete double-entry accounting (journal entries, chart of accounts, balance sheets), inventory with variants and multi-warehouse, a CRM pipeline, projects with time tracking, and basic team/payroll features.
• Far more integrations (Shopify, Amazon, banks, an open API) and the better English localization of the two, which for non-Spanish speakers is a genuine tiebreaker.
• The trade-off: more menus, more concepts, more fee.

The decision, by profile

• Service freelancer (consultant, designer, developer) with no stock: Quipu. Its automated tax drafts are exactly your pain, and €12-24/month is half of an underused Holded. The full market view (including the free option) is in invoicing software for freelancers in Spain.
• Non-Spanish speaker who wants the interface in English: Holded, whose localization is noticeably more complete; or Quipu if your gestor drives it and you mostly photograph receipts.
• Physical or online store with stock: Holded. Inventory integrated with invoicing and accounting kills the triple-entry problem.
• A small SL (limited company) with in-house accounting: Holded, for the navigable double-entry books.
• A business that is simple today and maybe not tomorrow: start with Quipu and migrate if the moment comes; both export well. Don’t pay today for the ERP of your three-years-from-now self.

Verifactu: the tie that removed one worry

Since Spain’s certified-invoicing rules kicked in, both are fully adapted (the plain-English guide to the law), so compliance no longer separates them. What it did eliminate is the spreadsheet option: if you still invoice from Excel, either of these fixes a legal exposure, not just a workflow.

Frequently asked questions

Which is cheaper, Holded or Quipu? Quipu at every tier (~€12-39 vs ~€29-99+). The fair comparison is against what you need: an underused ERP is the more expensive tool at any price.

Can I switch from Quipu to Holded later? Yes: clients, invoices and expenses export via CSV/Excel and import cleanly. Fine-grained accounting history is the only laborious part.

Do both work with my gestor? Both have advisor access. Quipu makes it especially fluid (it is central to the product); in Holded the advisor also sees full accounting. If you don’t have a gestor, the English-speaking online accountants pair with either.

Do they handle international clients? Both manage intra-EU reverse-charge invoicing and non-EU clients correctly; Holded is somewhat smoother at multi-currency.

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