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 2.9% + $0.60 per credit card transaction 3.4% + $0.60 per amex transaction, 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.

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."

Wave Pricing (2026)

Flat-rate per business — you pay one price regardless of how many users or transactions you have, which is a deliberate differentiator from per-seat tools like QuickBooks. The value metric is essentially 'running a business,' not headcount or usage volume.

From $19/mo 2 plans flat-rate Free plan

STARTER Plan: $0/mo
Pro Plan Popular: $19/mo

Verified Jul 07, 2026 Official pricing page

Screenshot of Wave's pricing page showing its plans and prices — Their pricing page, captured Jul 07, 2026

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STARTER Plan

$0/mo

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

$19/mo $15/mo annual

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!

AI Pricing Analysis

Pricing Model

Tier Strategy

Free is built for solo freelancers or micro-businesses who just need invoicing and basic accounting. The upgrade trigger is pretty clear: you need automated bank imports, better reporting, or you want to look more professional — that's when $19/mo starts making sense.

Competitive Positioning

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.

Growth Lever

The paywall protects features like automated bank reconciliation and receipt capture, but the real expansion engine is add-ons — payroll ($40+/mo), bookkeeping services ($136+/mo), and receipts ($8/mo) can stack fast. A small business that starts free could easily land at $180+/mo once they layer in payroll and Wave Advisors.

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 2.9% + $0.60 per credit card transaction 3.4% + $0.60 per amex transaction, 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?: Flat-rate per business — you pay one price regardless of how many users or transactions you have, which is a deliberate differentiator from per-seat tools like QuickBooks. The value metric is essentially 'running a business,' not headcount or usage volume.
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?: Free is built for solo freelancers or micro-businesses who just need invoicing and basic accounting. The upgrade trigger is pretty clear: you need automated bank imports, better reporting, or you want to look more professional — that's when $19/mo starts making sense.

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Comparing Wave to something specific? Try Wave vs QuickBooks, Wave vs Xero, or Wave vs FreshBooks.

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