New businesses on a tight budget
Starter
$0
- Unlimited estimates, invoices and bills
- Online payments at 2.9% + $0.60 per card charge
- Mobile invoicing app
Directory / Wave
Wave
What it does for you
Runs payroll as an add-on from $25 a month. Invoices and bookkeeping on the starter plan are $0.
FreemiumGeneral
Visit sitewaveapps.com
- Price
- Free Starter plan
- Pro is $19/mo or $190/yr
- Card payments
- 2.9% + $0.60
- Starter rate; Pro drops the $0.60
- Payroll
- Add-on from $25/mo
- Plus per-employee fees by state
- Bookkeeping help
- From $149/mo
- Wave Advisors add-on
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See it in the field
Video by Profit Logic Accounting
2026 Master Wave Accounting for FREE! Complete Beginner’s Guide to Bookkeeping with Wave (2.5 Hrs) · Profit Logic Accounting · Feb 14, 2026
What users say
Real quotes, copied word for word from public review pages. The good and the bad.
Liked
“Wave is simple and easy to use for basic accounting, invoicing, and payment tracking.”
Critical
“A major pain point for users is the lack of robust, live customer support for free users, who are generally limited to an online help center and chatbot.”
Liked
“My monthly subscription is $19, which feels like a great value.”
Critical
“Accounting is free - but now they are removing features from the "Free Accounting" package and charging for them - auto import of bank transactions.”
Liked
“amazing app for your small business does everything you need it to do for free!”
Critical
“Customer support is non existent. Never thought this was a concern until Wave switched payroll processors and caused the system to crash.”
Pricing and details
Public, in USD. Starter is $0 with unlimited estimates, invoices and bookkeeping records. Pro is $19 a month or $190 a year and adds bank-transaction import, receipt capture and lower card fees. Card payments are 2.9% + $0.60 on Starter. Payroll is an add-on from $25 a month; Wave Advisors bookkeeping starts at $149 a month.
Owners who want bank feeds and automation
Pro
$19/mo or $190/yr
- Auto-import and categorize bank transactions
- Unlimited receipt capture
- Late-payment reminders
- Card payments at 2.9% + $0 for the first 10 a month
Small teams paying staff
Payroll add-on
From $25/mo
- Price varies by state and plan
Owners who want a bookkeeper
Wave Advisors
From $149/mo
- Dedicated bookkeeper or one-on-one coaching
- Free trial or demo
- Starter is free with no time limit; Pro was showing a 50% discount for the first 3 months when checked.
- Who it's for
- Solo contractors and small crews that need estimates, invoices and simple bookkeeping without paying for a larger accounting suite.
- Platforms
- Web app plus iOS and Android apps for invoicing and receipts.
- Setup and onboarding
- Self-serve signup; Wave publishes how-to videos and offers paid Wave Advisors coaching.
- Contract
- Month-to-month or annual for Pro; no contract on Starter.
- Support
- Help center and chatbot for free users; Capterra reviewers report limited live support on the free plan.
Main integrations
E-commerceAmazonEtsyeBayPaystormTaxomate
CRM and salesGoHighLevelCapsule CRMBlueCamroo
Time and billingMinuteDockSwell SchedulingSwell Time TrackingOnline Check Writer
OtherGoogle SheetsDriversnoteFundboxMake.comZapierWave public API
Last checked Oct 20, 2026. Sources: Wave pricing page, Capterra reviews, App Store listing, Google Play listing, Wave integrations (checked 2026-10-21), Zapier: Wave (checked 2026-10-21).
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Canonical profile: https://toolbeltindex.com/tools/wave