Wave
Wave · Finance & Accounting
Free accounting software from Canada, acquired by H&R Block for $537M in 2019. Positioned as the alternative to QuickBooks for freelancers and micro-businesses that can't justify a paid accounting subscription. Distinctive for its genuine forever-free accounting/invoicing (competitors moved everything to paid). Monetizes through payments (2.9% + 60¢), payroll ($20-$40/mo), and advisor services. Popular with side hustlers, freelancers, and micro-businesses under $50K annual revenue.
In other words, Wave is worth it for US/Canada freelancers and solo entrepreneurs who want completely free accounting + invoicing + receipt scanning — particularly for early-stage founders bootstrapping before they need QuickBooks. Free forever for core accounting and invoicing; charges per transaction for payments and payroll. Extremely easy setup. Native integrations with Stripe (for payments), Zapier for third-party workflows. Downside: US/Canada only, no time tracking or inventory, and payroll (separate paid add-on) is US-only.
Pricing summary
$15.83/mo billed annually
Both
Main metered limit
Free Starter plan; Pro is $19/mo billed monthly or $190/year ($15.83/mo). US pricing in USD (a separate CAD rate of $25/mo is also shown). Per-transaction payment-processing fees are charged separately.
No separate trial
Need international support? Pick Xero. US/Canada scaling past freelancer? QuickBooks. Freelancer wanting invoicing-first? FreshBooks.
All plans
| Plan | Monthly | Annual | Key limit |
|---|---|---|---|
Starter | Free | Free | invoicing + accounting basics |
ProEntry tier | $19 | $15.83Save 17% | auto bank imports + collaborators, $190/yr |
All tier prices verified August 22, 2026 · View source →
Price history
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Frequently asked questions
About Wave pricing.
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