BILL vs Wave: Pricing Comparison (2026)
BILL starts at $49/mo. Wave starts at $19/mo. Wave is $30/mo cheaper on the entry tier than BILL.
SMB accounts-payable + accounts-receivable automation platform (formerly Bill.com), IPO'd 2019 at $27B peak valuation. Positioned as the alternative to processing invoices manually or hacking QuickBooks Online for AP/AR workflows. Distinctive for 2-way sync with all major accounting platforms (QuickBooks, Xero, Sage Intacct, NetSuite) and BILL Divvy spend-management combined suite. Priced $49-$89/user/mo across Essentials/Team/Corporate published tiers plus Enterprise. Also charges per-transaction fees on top of subscription (ACH $0.59, checks $1.99, wire $19.99, international 1%). Popular with 5-100-person businesses running full AP/AR workflows.
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.
All plans compared
| # | Plan | BILL monthly | BILL annual | Wave monthly | Wave annual |
|---|---|---|---|---|---|
| 1 | Essentials / Starter | 49 | 49 | 0 | 0 |
| 2 | Team / Pro | 65 | 65 | 19 | 15.83 |
| 3 | Corporate | 89 | 89 | — | — |
| 4 | Enterprise | custom | custom | — | — |
What each is best for
SMB accounts-payable + accounts-receivable automation platform (formerly Bill.com), IPO'd 2019 at $27B peak valuation. Positioned as the alternative to processing invoices manually or hacking QuickBooks Online for AP/AR workflows. Distinctive for 2-way sync with all major accounting platforms (QuickBooks, Xero, Sage Intacct, NetSuite) and BILL Divvy spend-management combined suite. Priced $49-$89/user/mo across Essentials/Team/Corporate published tiers plus Enterprise. Also charges per-transaction fees on top of subscription (ACH $0.59, checks $1.99, wire $19.99, international 1%). Popular with 5-100-person businesses running full AP/AR workflows.
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.
At a glance
| BILL | Wave | |
|---|---|---|
| Free plan | — | Yes |
| Entry price | $49/mo | $19/mo |
| Enterprise available | Yes | — |
| Pricing model | — | Freemium |
| Last verified | August 30, 2026 | August 31, 2026 |
| Full pricing | View full pricing | View full pricing |
Pricing last verified August 31, 2026. Tracked daily.