Simple and secure accounting, invoicing, payments, payroll and receipts.
Wave financial software is a simple and secure way to manage your business financials including accounting, invoicing, payments, payroll and receipts. Get started in seconds thanks to Wave's browser-based technology. Access your accounting information from anywhere you have a browser and an internet connection.

Get started with Wave. 100% free for Accounting, Invoicing, & Receipts.

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Aggregate Rating = 4.4/5starstarstarstarstar_half
Based on 1738 reviews from 3 sources

Wave is excellent in the following:

Wave Financial Inc.

Co-founded in 2010 by CEO Kirk Simpson and James Lochrie, Wave's mission is to provide a suite of financial tools with the small business owner in mind. Wave's 100% free, cloud-based apps can be accessed by any device with a web browser. The software consists of accounting, invoicing, billing, payroll, and receipts modules. They also provide payroll and payment processing services at reasonable rates.

Plans and Pricing

Plan Details
  • Accounting
  • Invoicing
  • Receipts
Credit card: 2.9% + 30c/transaction | Bank payments: 1%/transaction
Plan Details
  • Accept credit card payments
  • Accept bank payments (ETF)
$20/month + $4/employee and paid contractor
Plan Details
  • Payroll
  • Pay employees
  • Pay contractors


  • Easy to use web accounting software
  • Easily connect bank and credit card accounts
  • Automatic expense imports
  • 128-bit PCI Level-1 security
  • Bulk transaction updates
  • Support for foreign currency transactions
  • Excellent dashboards and reporting
  • Financial report exports
  • Multi-business support

Wave Accounting is an easy and intuitive web app that makes it possible for business owners to handle their finances with no special accounting training.

Wave makes connecting your business's accounts to their accounting app a fast process. Once you set up your accounts up, you can import transactions and review your bookkeeping automatically. You'll save time by skipping manual entry of receipts and payments.

You'll be able to keep an eye on your business's financial health with Wave Accounting's robust collection of reports. A collection of month-to-month, year-to-year, and expense analysis reports support sound business decisions.

Wave Accounting simplifies tax preparation with a dashboard that lays out your business's expenses, income, and invoices. They also take security seriously, employing strong 128-bit encryption to protect your data. They are certified to the PCI Level-1 standard for securely handling credit card and banking information.

When it comes time to pass your financial records to an accountant, they'll appreciate that Wave Accounting uses a standard double-entry format. You don't need to understand accounting to get the most from Wave's accounting app.

  • Create and send invoices
  • Create and send receipts
  • Create and send estimates
Create and send free invoices, receipts and estimates for your customers. Every invoice received from customers is increased revenue and cash in for your company.
  • Run payroll
  • Automate tax remittances and journal entries
  • Employee access
  • Pay employees
  • Pay contractors

Wave Payroll integrates with their free accounting, invoicing and receipt scanning software and will allow you to provide employee access and direct deposit, automate your tax remittances and journal entries, and pay both employees and contractors. Wave Payroll will also help you switch from another provider.

If you live in a tax-service state, (California, Florida, Illinois, New York, North Carolina, Texas, Virginia and Washington) Wave will automate your payroll and file your paperwork for a $35 monthly base fee, plus $4 per employee and contractor paid.

If you live in any of the other 42 states, Wave will simplify paying your own payroll taxes by providing you with the information you need to know to correctly pay and file the paperwork in your state. Wave’s base monthly fee is $20, plus $4 per employee and contractor paid.

  • Accept credit card payments
  • Accept bank payments

Credit Card - Customers can pay from any major credit card and you will receive the payment in 2 business days. Wave’s fee is 2.9% + 30 cents per transaction.

Bank Payments - Customers can pay directly from their bank account and you will receive the payment in 2-7 business days. Wave’s fee is 1% with a minimum fee of $1 per transaction.


How easy it makes everything.

Tara W, Feb 11, 2019

Source: G2.com

A good online accounting platform with just about all of our needs.

Russell O, Apr 19, 2019

Source: G2.com