Wave Pricing (2026)
Dead simple flat-rate, single-tier upgrade — you're not paying per seat or per invoice, you're paying $19/mo flat to unlock the full toolset once you outgrow the free version. No usage metering at all, which is unusual for accounting software where invoice volume or transaction count is the more common value metric.
- STARTER Plan
- $0/mo
- Pro Plan Popular
- $19/mo
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STARTER Plan
- 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
Pro Plan
Popular- Option to accept online payments at a discounted rate
- Auto-import bank transactions
- Auto-merge and categorize bank transactions
- Digitally capture unlimited receipts and track expenses
- Automate late payment reminders
Does Wave have a free plan?
Yes: the STARTER Plan plan is free forever, not a time-limited trial. When you outgrow it, paid plans start at $19/mo.
What the free plan includes
- 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
AI Pricing Analysis
Pricing Model
Dead simple flat-rate, single-tier upgrade — you're not paying per seat or per invoice, you're paying $19/mo flat to unlock the full toolset once you outgrow the free version. No usage metering at all, which is unusual for accounting software where invoice volume or transaction count is the more common value metric.
Tier Strategy
Starter is the classic freemium hook for solopreneurs and side-hustlers who just need basic invoicing and bookkeeping. Pro is built for anyone who needs to look legitimate to clients or a bank — the upgrade trigger is usually wanting removed Wave branding, more automation, or just outgrowing the bare-bones free feature set.
Competitive Positioning
This is a budget play through and through, undercutting QuickBooks and Xero by a wide margin — those run $30-90+/mo before add-ons. Wave's betting that freelancers and micro-businesses will trade some polish and depth for a near-free (or literally free) tool, then get sticky enough to pay $19 once cash flow allows.
Growth Lever
The free-to-paid jump is the whole game here since there's no usage-based upsell path — features like removing Wave branding or added automation sit behind Pro. With no additional tiers above Pro, expansion revenue likely comes from cross-selling payment processing or payroll add-ons rather than pushing people up a pricing ladder.
Want the strategist's read on the live page? Read the AI teardown of Wave's pricing page →
Wave Pricing FAQ
- How much does Wave cost?
- Paid plans start at $19/mo. You can get started on the free plan before committing.
- Is there a free plan?
- Yes. The "STARTER Plan" plan is free forever, not just a trial. You get create unlimited estimates, invoices, bills, and bookkeeping records, option to accept online payments, invoice on-the-go with the mobile app — plus 1 more features. It's enough to evaluate the product before upgrading.
- Can I try it before paying?
- There's no trial per se, but the free plan lets you use the product indefinitely with some limits.
- How does the pricing work?
- Dead simple flat-rate, single-tier upgrade — you're not paying per seat or per invoice, you're paying $19/mo flat to unlock the full toolset once you outgrow the free version. No usage metering at all, which is unusual for accounting software where invoice volume or transaction count is the more common value metric.
- Is there a discount for annual billing?
- Yes — you save up to 17% if you pay annually instead of month-to-month. They also mention: "Save $38 with annual billing."
- Which plan makes sense for me?
- Starter is the classic freemium hook for solopreneurs and side-hustlers who just need basic invoicing and bookkeeping. Pro is built for anyone who needs to look legitimate to clients or a bank — the upgrade trigger is usually wanting removed Wave branding, more automation, or just outgrowing the bare-bones free feature set.
More Accounting pricing
All Accounting pricing →-
QuickBooks Pricing
Small business accounting software.
From $38/mo Free trial -
Xero Pricing
Online accounting for small businesses.
From $25/mo -
FreshBooks Pricing
Invoicing and accounting for freelancers.
From $23/mo Free trial -
Aplos Pricing
Fund accounting software with donor management for nonprofits and churches.
From $79/mo Free trial -
Canopy Pricing
All-in-one practice management for accounting and tax firms: CRM, workflow, documents, billing and client portal.
From $74/mo -
Invoice Ninja Pricing
Open-source invoicing for freelancers.
From $14/mo -
Jetpack Workflow Pricing
Workflow and recurring-task management for accounting firms and bookkeepers, priced per user.
From $40/mo Free trial -
Karbon Pricing
Practice management for accounting firms.
From $79/mo
Comparing Wave to something specific? Try Wave vs QuickBooks, Wave vs Xero, or Wave vs FreshBooks. Or see the best Wave alternatives, ranked.
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