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.
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.
⚠ 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.
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.