Wave Pricing, Plans, and Availability

#8 in Accounting Software

by Waveapps · waveapps.com

Simple accounting software for freelancers and very small businesses with invoicing and bookkeeping.

#8Accounting SoftwareSmall business
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Pricing at a glance

Wave’s public pricing is straightforward: start with a free Starter plan, then move to Pro if you want automation, receipt capture, and deeper cash-flow workflows. That makes it a strong fit for freelancers, contractors, and very small businesses that want to keep accounting costs low while still using a real bookkeeping platform. The published price list also shows optional add-ons for online payments, receipts, payroll, and Wave Advisors, so your final spend depends on whether you only need core invoicing or want to layer in payment acceptance and hands-on support. On this page, we break down the publicly disclosed plan names, monthly and annual billing options, promo pricing, add-on rates, and the billing notes buyers usually need before they decide.

◇ Pricing model

Freemium accounting software with paid add-ons and service tiers.

↻ Billing notes

Wave publicly offers both monthly and annual billing for Pro, with annual pricing shown as $190 USD/year and monthly pricing shown as $19 USD/month. The pricing page advertises a promo for new monthly Pro subscribers: $9.50 USD/month for the first three monthly payment periods, with the listed promotional language stating it is limited to one offer per customer and available from December 2nd, 2025 until January 6th, 2026. Wave also says you can unsubscribe at any time, and cancellation takes effect at the end of the billing period in which you cancel. No seat minimums are publicly disclosed on the pricing page.

Plans and pricing

4 tiers

Starter

monthly
$0
  • Create unlimited estimates, invoices, bills, and bookkeeping records
  • Option to accept online payments
  • Invoice on-the-go with the mobile app
  • Manage cash flow and customers in one dashboard

Core bookkeeping and invoicing are included at no charge; no public seat minimum is disclosed.

Pro

monthly
$19 USD/month
  • Everything in Starter, plus auto-import bank transactions
  • Auto-merge and categorize bank transactions
  • Digitally capture unlimited receipts and track expenses
  • Automate late payment reminders
  • Access live-person chat and email support

Public pricing lists the plan at $19 USD/month billed monthly; no public seat minimum is disclosed.

Pro

annual
$190 USD/year
  • Everything in Starter, plus auto-import bank transactions
  • Auto-merge and categorize bank transactions
  • Digitally capture unlimited receipts and track expenses
  • Automate late payment reminders
  • Access live-person chat and email support

Public pricing lists the annual version at $190 USD/year billed annually; no public seat minimum is disclosed.

Wave Advisors

monthly
Starting at $149/month
  • Includes Pro Plan features
  • A dedicated bookkeeper
  • Monthly financial statements prepared for you
  • Expert support for bookkeeping questions
  • Onboarding when switching from other accounting software
  • Optional packages for one-on-one guidance from an accounting coach

Public pricing starts at $149/month; the page does not disclose a maximum or package-specific overage structure.

Add-ons and extras

Online payments

Starting at 2.9% + $0.60 per credit card transaction

Lets customers pay by card or bank payment directly from invoices. Wave says customers who add online payments get paid 3x faster, and the pricing page also shows a discounted Pro rate for the first 10 transactions per month.

Receipts

$11/month OR $96/year

Digitally capture unlimited receipts via Wave’s mobile app, desktop, or email, then have them converted into bookkeeping records using OCR technology.

Receipts

$8/month OR $72/year

Digitally capture unlimited receipts via Wave’s mobile app, desktop, or email, then have them converted into bookkeeping records using OCR technology. The pricing page shows a lower listed price for the Pro column than for Starter in the receipts add-on table.

Payroll

from $25/month

Payroll is available as an add-on for US and Canadian businesses. The pricing page lists different starting points by plan, and a third-party comparison also says payroll starts at $20/month plus $6 per employee for self-service.

Hire a bookkeeper

from $149/month

Outsources bookkeeping or provides coaching from Wave Advisors. The pricing page also shows a higher starting point for one of the plan columns, indicating the exact price can vary by subscription level.

Hidden and indirect costs

Worth budgeting for
⚠  Wave publicly discloses several paid services that can raise the effective monthly cost beyond the free Starter plan. Those include payment processing fees, payroll, receipts capture, and bookkeeping support, so businesses that need more than basic invoicing may pay materially more than $0. The company also notes that approval for online payments is subject to eligibility criteria including identity verification and credit review.
⚠  Some pricing details are only partially disclosed on the public pages, especially for add-ons and plan-specific differences. In those cases, Wave states a starting price but does not publish full overage schedules, enterprise terms, or seat-based pricing, so buyers should expect to confirm the final quote through checkout or sales support.

What buyers actually pay

A freelancer only needs invoicing and basic bookkeeping.

Expected cost$0 plus any payment-processing fees if online payments are accepted.
Starter planonline payments add-on

A small business wants advanced bookkeeping automation and receipt capture.

Expected cost$19 USD/month billed monthly, or $190 USD/year billed annually, plus optional receipts and payment-processing fees.
Pro planreceipts add-ononline payments add-on

A business wants bookkeeping help from Wave Advisors.

Expected costStarting at $149/month, with final cost depending on the scope of support and any related add-ons.
Wave Advisorsbookkeeping support scope

Pricing FAQ

Yes. Wave publicly advertises a free Starter plan for bookkeeping and invoicing basics. The company also says you can sign up in seconds with no credit card required. However, optional services such as payment processing, payroll, receipts capture, and bookkeeping support are separately priced.

Wave’s public pricing page emphasizes a free Starter plan rather than a time-limited trial. The comparison page also says you can sign up in seconds with no credit card required. For the paid Pro plan, the page includes a limited promotional discount for new monthly subscribers instead of a standard trial.

Yes. Wave states that you can unsubscribe at any time. It also says cancellation takes effect at the end of the billing period in which you cancel, so you keep access until the current period ends.

No public seat minimums are disclosed on the supplied pricing pages, and no quote-only enterprise tier is publicly listed. The public pages only show Starter, Pro, and Wave Advisors, plus optional add-ons. If you need custom terms, Wave does not publish them on the pricing page.

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