Wave provides free accounting, invoicing and receipt scanning software for small businesses, with paid payments and payroll services.
Wave built its reputation on genuinely free accounting software: unlimited invoicing, receipt capture and double-entry bookkeeping at no cost. AI-assisted transaction categorization and receipt scanning reduce bookkeeping drudgery, and financial reports — profit and loss, balance sheet, cash flow — stay ready for tax time. Revenue comes from payment processing and payroll services rather than software fees, which makes it uniquely affordable for very small businesses. Millions of micro-businesses, freelancers and consultants run their books on Wave.
Wave’s accounting and invoicing software is free forever; payments are priced per transaction and payroll is a monthly subscription service.
Freelancers, solo entrepreneurs and small businesses that need solid books and invoicing without software costs eating into thin margins.
Yes — core accounting and invoicing are free with no limits; the company earns from payment processing and payroll services.
Yes — customers can pay invoices online through integrated payment processing, with fees charged per transaction.
Versus QuickBooks or Xero, Wave is dramatically cheaper for basic books; larger businesses will outgrow its reporting and inventory depth.
Yes — unlimited invoices, bills and receipt scans are included free, with no client or transaction caps inside the accounting product itself.
Photograph receipts and the AI extracts vendor, amount and date, categorizing the expense so books stay current without manual data entry.
Yes — tax rates apply to invoices and reports summarize collections, supporting small businesses with straightforward compliance requirements.
Accountant and collaborator access lets professionals review your books directly, which smooths year-end filing and advisory conversations.
Wave Payroll handles employee payments and filings in supported regions as a paid monthly service, integrated with the same financial records.
Yes — mobile apps cover invoicing, receipt capture and expense review so small business finances stay current from anywhere.
Wave is an established fintech company serving millions of small businesses with free financial software.
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