Real cost in work hours
Every price converts into how long you'd need to work to afford it — and what it could grow to if you invested instead.
See HoldUp in action
A tour of the features that make mindful spending stick.
Smarter spending, built in
A toolkit designed to interrupt impulse buys and reward you for every dollar you keep.
Cooldown timers
Set a waiting period before any impulse buy. If you still want it when the timer ends, go for it. Most times, you won't.
Savings streaks & goals
Log what you skipped, hit daily streaks, and power through the 100 Envelope Challenge to save up to $5,050.
Subscription tracker
See every recurring charge, the annual bill, and what the same money could earn if invested instead.
15 languages, 150+ currencies
Live currency conversion and dark mode, with translations spanning English, Spanish, French, German, Arabic, Chinese and more.
Privacy first
All your data stays on your device. No accounts, no trackers, no servers. Just you and your goals.
How it works
Four steps between you and smarter money decisions.
Enter your wage
Hourly or salary — we do the math.
Analyze a purchase
See the real cost in work hours.
Start a cooldown
Still want it in 7 days? Reconsider.
Watch savings grow
Badges, streaks, and projected wealth.
Frequently asked questions
Everything people usually ask about HoldUp.
What does HoldUp do?
HoldUp is a mindful spending app that shows the real cost of every purchase in work hours. It lets you set a cooldown timer before buying, tracks subscriptions, builds savings streaks, and gamifies saving money with challenges and achievement badges.
Is HoldUp free?
Yes. HoldUp is free on both iOS and Android. The app is supported by non-intrusive banner ads from Google AdMob. There are no subscriptions and no premium tier.
What data does HoldUp collect?
HoldUp stores all your financial data locally on your device using AsyncStorage. We do not operate any servers and we never see your data. Google AdMob may collect device identifiers and IP address to serve ads, subject to your consent.
Does HoldUp give financial advice?
No. HoldUp is a budgeting and mindful-spending tool. Calculations such as work-hour equivalents and investment projections are estimates for reflection, not professional financial advice.
What languages does HoldUp support?
HoldUp is available in 15 languages: English, Albanian, Spanish, French, German, Portuguese, Chinese, Japanese, Arabic, Hindi, Turkish, Italian, Korean, Russian, and Dutch.
How does the cooldown timer work?
You enter an item you want to buy and choose a waiting period (for example 7 days). HoldUp holds it in a list until the timer ends. When the timer finishes you decide whether you still want it. If you skip the purchase, the amount is logged as savings and contributes to your streak.
Start keeping more of what you earn
HoldUp is free on iOS and Android. Your data stays yours — always on-device.