Wave pricing 2026: plans and costs
How AI answers describe Wave pricing
Sources: Official pricing pages for Wave, QuickBooks, Xero and FreshBooks.
Compared to: QuickBooks Online · Zoho · Xero
- If you need a free plan rather than a temporary trial, Wave, Odoo, and some Zoho Books tiers offer ongoing free options, though features and eligibility vary.
- Wave: Free invoicing, expense tracking, and basic bookkeeping, but the free plan is mainly suited to a solo owner rather than multiple users.
- The accounting software with the clearest public pricing is generally Xero, FreshBooks, Wave, Zoho Books, and Patriot Software.
Quick pricing summary
- Starter: $0 month
- Pro: $19 month per business (billed monthly); $190/year billed annually
- Wave Advisors: $149 month (starting at)
- Worth noting: Pro pricing is per business. Promo: $9.50/month for first 3 months for new monthly Pro subscribers. CAD pricing also shown ($25 CAD/month). Wave Advisors starting prices shown as $149 ($134 discounted) and $199 ($172 discounted); annual plans 20% off and multi-year 25% off for Bookkeeping plans. Exact feature availability per plan in matrix is partly inferred from page layout.
Plans
Starter
$0 month
- Create unlimited estimates, invoices, bills, and bookkeeping records
- Option to accept online payments: 2.9% + $0.60 per credit card transaction, 3.4% + $0.60 per Amex transaction
- Invoice on-the-go with the mobile app
- Manage cash flow and customers in one dashboard
Pro
$19 month per business (billed monthly); $190/year billed annually
- Everything in Starter
- Online payments at a discounted rate: 2.9% + $0 per credit card, 3.4% + $0 per Amex for first 10 transactions/mo
- Auto-import bank transactions
- Auto-merge and categorize bank transactions
- Digitally capture unlimited receipts and track expenses
- Automate late payment reminders
Wave Advisors
$149 month (starting at)
- Includes Pro Plan features (mobile receipts not included)
- A dedicated bookkeeper
- Monthly financial statements prepared for you
- Expert bookkeeping support
- Onboarding when switching from other accounting software
- Optional one-on-one accounting coaching packages
What you get on each plan
| Feature | Starter | Pro | Wave Advisors |
|---|---|---|---|
| Online payments credit card rate | 2.9% + $0.60 | 2.9% + $0 for first 10 transactions/mo | — |
| Automate late payment reminders | — | ✓ | — |
| Add logo and brand colors | ✓ | ✓ | — |
| Remove Wave branding from footers | — | ✓ | — |
| Create reusable message templates | — | ✓ | — |
| Invoice and estimate in the mobile app | ✓ | ✓ | — |
| Create unlimited bookkeeping records | ✓ | ✓ | — |
| Auto-import bank transactions | — | ✓ | — |
| Auto-merge and categorize transactions | — | ✓ | — |
| Add users | payroll manager or tax pro | admin, editor, or viewer | — |
| Digitally capture unlimited receipts | add-on | included | — |
| Live-person chat and email support | with any optional add-on | ✓ | — |
| Dedicated bookkeeper | add-on | add-on | ✓ |
Hidden costs & add-ons
| Cost driver | Price | When it applies |
|---|---|---|
| Online payments | 2.9% + $0.60 per credit card transaction; 3.4% + $0.60 per Amex | Starter, Pro (Pro: $0 fixed fee for first 10 transactions/mo) |
| Digitally capture unlimited receipts | $11/month or $96/year (also listed $8/month or $72/year) | Starter; included in Pro |
| Run payroll | from $25/month or from $40/month (varies by state) | Starter, Pro |
| Hire a bookkeeper (Wave Advisors) | from $149/month or from $199/month | Starter, Pro |
Wave pricing vs alternatives
| Brand | Entry price | Free plan | Model | Best for | |
|---|---|---|---|---|---|
| Wave | Free; paid from $19 / mo | Yes | Flat tiers | — | |
| QuickBooks Online | — | — | — | Small and mid-market businesses | Compare → |
| Zoho | — | — | — | Businesses of all sizes, from startups to enterprises, wanting one suite for sales, support, finance and HR | Compare → |
| Xero | $27 / mo | No | Flat tiers | Small businesses, and the accountants and bookkeepers who work with them | Compare → |
| FreshBooks | $23 / mo | No · 30-day trial | Flat tiers | Freelancers, solopreneurs and small service-based businesses with employees or contractors | Compare → |
List prices as published on www.waveapps.com/pricing. Totals are worked examples, not quotes.