81
Stack Score
Editorial pick✓ Verified working
Wave
Free accounting and invoicing for very small businesses
Try Wave✓ Free trial available
Best for
Best for freelancers and solo service businesses who need free invoicing and basic books without monthly fees.
At a glance
- Pricing
- freemium
- Setup time
- < 1 day
- Learning curve
- easy
- Last verified
- 5/21/2026
What we love
- ✓Genuinely free for the core bookkeeping product
- ✓Clean invoicing flow with built-in payments
- ✓Owned by H&R Block, so tax-prep handoff exists
Where it falls short
- −Single-user only — no team access
- −Limited reporting depth
- −No inventory or accrual features
Pricing
✓ Pricing verified Jun 21, 20263 tiers
Starter
$0
forever
- ✓Unlimited invoicing
- ✓Bank reconciliation
- ✓Basic reports
Pro
$16
monthly
- ✓Auto-import bank transactions
- ✓Receipt capture
- ✓Unlimited users
Payroll
$20+
monthly plus $6/employee
- ✓Payroll runs
- ✓Tax filings (select states)
- ✓Direct deposit
Why we picked it
Wave covers the bookkeeping basics for free, which is unusual and useful. Anything serious — inventory, multi-entity, accrual — pushes you to QuickBooks or Xero quickly.
Overview
Wave offers free accounting, invoicing, and receipt scanning for solo operators and microbusinesses. Payroll and payment processing are paid add-ons. Owned by H&R Block since 2019.
Key features
- ●Free unlimited invoicing
- ●Free double-entry bookkeeping
- ●Bank feed connections
- ●Receipt scanning via mobile app
- ●Payments via card and ACH (paid)
- ●Payroll add-on (paid, US/Canada)
- ●Sales tax tracking
Best use cases
Freelancer invoicing
Send unlimited invoices and reconcile bank feeds without paying a monthly subscription
Side-hustle books
Track income and expenses on a side business through tax time without QuickBooks overhead
Integrations
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