Wave
Unlimited invoices and unlimited customers, paid for by card fees.
What it is
Invoicing and light bookkeeping with no cap on invoices, estimates or customers on the free Starter plan. What you give up is automation: bank transactions no longer import themselves and receipt capture is gone unless you take the $19-a-month Pro plan. The free plan also costs more every time a customer pays by card, which is really how it is funded.
What it costs
| Item | Price |
|---|---|
| Starter | $0 — unlimited estimates, invoices, bills |
| Pro | $19 a month, or $190 a year |
| Card payments on Starter | 2.9% + $0.60 per transaction |
| Card payments on Pro | 2.9% + $0 for the first 10 each month |
Before paying
Listed model: Free tier you can stay on. Check the linked pricing page for the exact plan and current terms.
Credit expiry: No. Account required: Not confirmed.
Our observations
- The only one here that caps neither invoices nor customers. If the free tier is all you ever use, it does not run out.
- Bank import and receipt capture moved behind the paid plan in 2024, which is why people who have used Wave for years will tell you it is no longer the free tool they remember.
- Look at the card fee before calling it free: every card payment costs $0.60 more on Starter than on Pro. At roughly 32 card payments a month the "free" plan has quietly cost you the price of Pro.
Things we noticed while comparing this category, not a review — we have not run every tool here. Where a score is shown, it is someone else's and we say whose.
Independent review evidence
We have not prepared a sourced review summary for this listing yet. Its description and pricing are not a customer-satisfaction rating.
Good to know
We last opened this pricing page on 16 Sep 2026 and wrote down what it said. Prices change without warning — if you find something different, tell us so we can check the source again.