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All-in-one accounting, invoicing, payroll, payments, and receipt management solution.
(based on 18 reviews)

Key Features of Wave

  • Real accounting, for non-accountants
  • Billing and Invoicing
  • Real double entry accounting
  • Investment tracking
  • Financial reporting (Ledger, A/R, A/P, Income, Balance She
  • Accept all major credit cards
  • Credit Card payment processing in America and Canada
  • Bank integrations to eliminate manual entry
  • Multi-currency
  • Professional reports
  • Seamless invoicing & payroll
  • Personal finance tracking
  • Fully integrated single login solution
  • Personal budgeting tools

Screenshots of Wave

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Overview of Wave

Wave makes it easy to be your own boss. Focus on what you love, and lean on Wave's intuitive online software to manage your financial and organizational needs.

Wave Apps makes your money-related tasks easy with:
• Unlimited invoicing, 100% free!
• Unlimited accounting, 100% free!
• Accept credit cards on your invoices with our "pay now" feature with a super-low, easy-to-understand flat fee
• Expense tracking with no manual entry, and connect with your bank account to never input another transaction again!
• Handle your business and personal finances in one place.
• Accountant-friendly. Wave is double-entry accounting with full reports. You can even add your accountant to view and edit as a 'guest collaborator'
• Easy and affordable payroll that's guaranteed. Deductions and tax calculations, plus direct deposit, for as little as $9 per month
• Kick the shoebox full of receipts with our receipt management tools.

Read full description of Wave ↓


Intended UsersFreelancers, Non Profits, Public Administrations, Small Business
Devices SupportedAndroid, iPhone-iPad, Mac, Web-based, Windows
Supported CountriesAsia, Australia, Canada, China, Europe, Germany, India, Japan, Latin America, Middle-East and Africa, United Kingdom, United States
Supported LanguagesEnglish
Support OptionsFAQs, Forum, Knowledge Base, Online Support, Video Tutorials
CertificationsTRUSTe, Verisign
Categories· Accounting · Accounts Payable · Accounts Receivable · Billing and Invoicing · Financial Reporting · Payroll · Expenses Management · Startup solutions

Wave Pricing

Pricing model: Freemium

Accounting & Invoicing - Free
Receipt Management - Free
Payroll - starts as low as $9 per month, with a declining fee per employee
Accept All Major Credit Cards - $0.30 + 2.9%
Personal Financial Management - Free


Wave is 100% focused on the real small business owners, with nine employees or less. That means you’ll never see cluttered, complicated software that you can’t navigate, never mind understand.

What you will see is all the tools you need to gain better insights into your personal and business finances, all with one login. Whether it’s invoicing, payroll, or personal investment tracking, the days of multiple logins are in the past. And with free accounting and invoicing tools and totally affordable payroll, getting organized has never been more affordable.

Get paid faster, gain insights into your businesses financial health, know where your money goes and pay your employees, all with Wave.


You will regret wave! Save yourself now

Bill Savage, Consulting1st of September 16:23

I have had Wave for about 4 years. I like them fine until this year when I added a business credit card account as a linked account on a new company I set up. When you connect to the bank, Wave brings the credit card transactions in with debits as debits and credits as credits. You then show a transfer from your main to the credit card to show a payment. Fine. HOWEVER, if you need to import credit card transactions, as in bring in a batch of old ones that were present before you set up wave and need to have your entire year in there to do your taxes, wave brings an imported file (csv, etc) from the very same back, in exact opposite. The debits are credits and credits are debits! Now you're stuck with one portion of your transactions showing in one method, the other in another method, making your books a completely inaccurate mess! Wave wants to point the finger at the bank and has no solution for this, other than going in and manually deleting every line that is messed up, then manually adding in each line again as it should be! Wow. I'd be better off doing old school manual books. If you never intend on having a credit card account linked to Wave, then go ahead and use them. If, however, you think you might ever want to have a credit card account show in your books, save yourself now and look elsewhere!

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Great features!

Daryl31st of March 11:28

Have been using Wave for over a year now and I will never go back.

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Lousy customer service, full of glitches

keith31st of March 06:57

Have been using Wave for around two years. Problems include lost data that had to be re-entered manually and numerous bank connection issues. I Feb 2014 they announced and initiated a new bank connection process. Since then my bank connections have not worked and the site won't allow me to set them up again. Each support request takes 5-7 business days to get a response. This problem caused me to have to file an IRS extension. Very unhappy.

Read all reviews for Wave

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