Free financial software for small businesses

Track your expenses, send invoices, get paid and balance your books with Wave.

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Not only is Wave the best free small business accounting website, but it's one of the best online resources period for its target small business audience.

Look professional and
 get paid

Create and send professional invoices, estimates and receipts in seconds. Track the status of your invoices and payments so you can know when to expect money in your bank account.

Learn more about Invoicing


  • Contemporary
  • Classic
  • Modern
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Image of Wave's classic invoice
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Fuel your business, boost your bottom line

Accept credit cards to get paid faster. Most invoices paid by credit card get paid in 2 business days or less. You and your customers will love the convenience.

Accept credit cards and bank payments (ACH)(EFT) to get paid faster online. Most invoices paid online get paid in 2 business days or less. You and your customers will love the convenience.

Learn more about Payments

Accept Visa, Mastercard, American Express and bank payments with Wave Accept Visa, Mastercard, American Express, Discover and bank payments with Wave
Your customers can pay you with Visa, Mastercard and American Express Your customers can pay you with Visa, Mastercard and American Express

Stay organized and run a better business

Track income and expenses effortlessly, with receipt scanning tools and bank connections. Eliminate manual data entry, stop worrying about missing transactions, and be ready for tax time without stress.

Understand your business better with useful reports and dashboards, too.

Learn more about Accounting

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Pay your team easily
 from anywhere

Take away the stress of payroll taxes and calculations. Pay your team effortlessly, with guaranteed accuracy. Use direct deposit and online pay stubs to save you the run-around, and make your team happier, too.

Learn more about Payroll

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Revolutionary Pricing

We could charge 20 bucks a month like everyone else. But like you, we’re entrepreneurs and a little rebellious, so we’ve shaken up the status quo.

Wave’s software is 100% free.
Use Invoicing, Accounting, Receipt Scanning and more, with no limits and no fees.

Wave’s services are pay-as-you-go.
Credit Card Processing and Payroll Payment Processing and Payroll are priced right for small businesses and entrepreneurs. Use what you need, only pay for what you use, with no surprises.

Learn More About Pricing
I love that Wave is a simple, one-stop shop for my business. I can keep track of all of my payments, bills, expenses, etc. in one place with zero fees.
Jessica Today , Jessica Today Designs

Frequently Answered Questions

These are the answers that our support team tell new customers everyday.

Yes really, no tricks! Our software is 100% free, no trials, no limitations and no hidden fees. Use it as much as you want, for as long as you want, we won’t charge a cent. Our free software includes invoicing, accounting and receipt scanning.

Wave makes money from financial services that make running your business faster. We offer payroll services in Canada and the U.S. at a super affordable price. We also allow businesses to accept payments online so you can get invoices paid fast; we charge a competitive 2.9% + 30¢ fee to process credit cards, and 1% for ACHEFT bank payments (where available).

Yes! We’re ready to answer all your questions with email support for all software (invoicing, accounting and receipt scanning). Live chat support is available for our paid financial services (Payments and Payroll).

Completely safe. Our servers are protected physically and electronically. Any connection between you and Wave is protected by 256-bit SSL encryption. Wave is a PCI-DSS Level 1 Service Provider.

We’ve got staying power. Wave has served over 3 million customers and tracked over $180 billion in income & expenses since 2010.

Wave is 100% web-based, so you just need an internet connection and browser.

You can, however, download and install our mobile invoicing and receipt scanning apps for iOS and Android.

Put your wallet away, you won’t need to enter in any credit card ever, unless you want to use our payroll service. Just create your account and get started for free.

Run your business better, for free.


By signing up, you agree to the Terms of Use and Privacy Policy.