Wave
Free and paid small-business invoicing and accounting software with payments, bookkeeping, receipt capture, bank automation and optional payroll.
Wave provides double-entry accounting, unlimited invoices/estimates/bills, reports, payments and a free Starter plan. Pro adds automatic bank imports, transaction merging/categorization, unlimited receipt capture, reminders and live support. Payroll/advisory services are separate.
G2 currently rates Wave 4.3/5 with 327 product reviews, while Capterra's correct Wave Apps accounting/invoicing profile is 4.4/5 from 1,731 with 4.5 ease and 4.0 customer service. Users praise simplicity and value; payment holds, support and advanced-accounting limits recur.
Wave publishes a $0 Starter plan and Pro at $19/month or $190/year. Payments, payroll, receipts and advisory services are separately priced. Many automation and third-party integration features now require Pro.
Wave offers native/partner integrations, Make, Google Sheets through Wave Connect and developer APIs, though many third-party connections require Pro. Security documentation confirms PCI-DSS Level 1, up-to-256-bit TLS, read-only bank connections and controlled infrastructure; public SOC 2/ISO 27001 evidence was not verified.
Scored by Vishal Singh
Quick facts
- Vendor
- Wave Financial Inc.
- Pricing model
- paid
- Plan pricing
- $19/mo
- Free plan
- Yes — check limits
- Free trial
- Yes — check eligibility
- Last verified
- 10/12/2026
About Wave
Wave is cloud accounting and invoicing software for freelancers and small businesses. Its free Starter plan includes unlimited estimates, invoices, bills and bookkeeping records, while Pro adds automatic bank imports, transaction matching/categorization, unlimited receipt capture, late-payment reminders and enhanced support.
Best for
Freelancers and small service businesses in supported markets that want free invoicing/bookkeeping with an affordable automation upgrade.
Wave pros and cons
Pros
- Starter is permanently free.
- Pro is $19/month or $190/year.
- Pro adds bank automation, unlimited receipt capture and reminders.
- Strong ease-of-use review sentiment.
- PCI-DSS Level 1 and encrypted/read-only financial connections.
Cons
- −Automatic bank imports and many integrations require Pro.
- −Customer service trails ease-of-use ratings.
- −Recent reviews mention payment holds or payout delays.
- −Advanced accounting/inventory/ERP functionality is limited.
- −Public SOC 2/ISO 27001 evidence was not verified.
Features
Platforms
Integrations
Pricing — verified 10/12/2026
What you’ll actually pay
$0. Includes unlimited estimates, invoices, bills and bookkeeping records, optional online payments, mobile invoicing and cash-flow/customer management.
$19/month or $190/year ($15.83/month equivalent). Adds automatic bank imports, transaction matching/categorization, unlimited receipt capture, reminders, partner integrations and live support.
Official pricing / availability source · Checked 6 October 2026. Confirm current taxes, regional terms and allowances. A listed plan is not necessarily the cheapest option.
Editorial verification: 10/12/2026. Check the vendor's site for current pricing.
Read the full Wave pricing article