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Fintech SaaS

Wave

Genuinely free accounting and invoicing for the smallest businesses.

4.4 (23 reviews)

MatchFast editorial rating, not a verified user review average.

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  • PriceFree; Pro $16/mo
  • Founded2010
  • HQToronto, Canada
  • Employees250 to 500

About Wave

Wave’s free plan is not a trial: unlimited invoicing, accounting, and receipts at zero cost, monetized through payment processing and payroll. The 2024-era Pro plan adds automated reminders and discounted rates. It suits US and Canadian micro-businesses beautifully; growth beyond a few employees or into inventory eventually demands migration.

Key Features

  • Free double-entry accounting
  • Unlimited invoicing
  • Receipt capture
  • Online payments (per-transaction)
  • Payroll add-on

Pros & Cons

Pros

  • Truly free core accounting
  • Unlimited invoices and estimates
  • Simple, friendly interface
  • Optional paid extras only when needed

Cons

  • US and Canada only
  • No inventory management
  • Limited integrations and support

Frequently Asked Questions

Is Wave really free?
Yes. It earns money on card processing and payroll, not the software.
When do businesses outgrow Wave?
Around inventory needs, multiple employees, or non-North-American operations.

Best For

Freelancers and micro-businesses that refuse to pay for accounting.

Sources & Review Notes

Last reviewed: July 28, 2026

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