QuickBooks vs Wave Pricing (2026)
How do these two stack up on price? Here's what each one costs, what you get, and where the value sits.
| QuickBooks | Wave | |
|---|---|---|
| Starts at | $38/mo | $19/mo |
| Number of plans | 4 | 2 |
| Free plan | — | |
| Free trial | — | |
| Pricing model | per-seat | flat-rate |
Simple Start
- Expert-guided setup and onboarding
- AI Chat for instant insights
- Categorizes expenses
- Maximizes tax deductions
- Run general business reports
- Automated bookkeeping
- Invoice and get paid
- Automate bill pay with free ACH
Essentials
- Expert-guided setup and onboarding
- AI Chat for instant insights
- Cleans up your books
- Gets you paid faster
- Run enhanced reports
- Add employee time to invoices
- Get customer referrals, feedback, and work requests
- Collect leads from a custom form on your website
- Link your calendar and let customers schedule meetings with you directly
Plus
Popular- Expert-guided setup and onboarding
- AI Chat for instant insights
- Reconciles your books
- Surfaces profit & loss insights
- Finds and fixes anomalies
- Catches discrepancies before filing
- Sources leads and helps with follow-up
- Run comprehensive reports
- Plan budgets
- Track project profitability
- Track and manage inventory
- Track classes and locations (40)
Advanced
- Expert-guided setup and onboarding
- AI Chat for instant insights
- Auto-creates projects and allocates costs
- Gives tailored financial insights
- Customize dashboards with personalized KPIs and metrics to measure what matters most
- Track performance with unlimited classes, locations, and custom KPIs
- Build custom management-ready reports
- Automate workflows
- Sync data with Excel
- Customize user permissions and access
- Forecast cash flow and profit
- Batch invoices and expenses
- Backup and restore your data
- Get priority support and training
- Track classes and locations (unlimited)
STARTER Plan
- 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 Plan
Popular- Option to accept online payments at a discounted rate 2.9% + $0** per credit card transaction 3.4% + $0** per Amex transaction
- Auto-import bank transactions***
- Auto-merge and categorize bank transactions
- Digitally capture unlimited receipts and track expenses
- Automate late payment reminders
- And more!
QuickBooks vs Wave FAQ
- Which one is cheaper?
- Wave is the cheaper option, starting at $19/mo vs $38/mo for QuickBooks.
- Can I use either one for free?
- Wave has a free plan. QuickBooks doesn't — though they do offer a free trial.
- How do they charge?
- Different approach here. QuickBooks uses per-seat pricing, while Wave goes with flat-rate. That changes the math depending on your team size and usage.
- Which one is a better deal?
- Depends on what you need. QuickBooks: QuickBooks is the incumbent premium play in SMB accounting — they're not trying to be cheap, they're trading on brand trust and accountant familiarity. At $115-275/mo at full price, they're significantly more expensive than alternatives like Wave (free) or Zoho Books, and they know it. Wave: Wave is firmly the budget-friendly play in small business accounting — going up against QuickBooks Simple Start (~$35/mo) and FreshBooks (~$19/mo), they're competitive on price but lead with the free tier as the real hook. They're targeting bootstrapped founders and solopreneurs who flinch at $50+/mo tools.
Keep tabs on both.
We'll monitor pricing changes for QuickBooks and Wave and let you know when something moves.