Manage your money like a boss

Wave is one-stop money management for small business owners.

An entrepreneur conductor with Wave's money management dashboards behind them.

Manage your money like a boss

Wave is one-stop money management for small business owners.

Entrepreneur balancing tasks in yoga postGo to your account

One less thing to worry about

Your free Wave account gets you access to all this and more:

  • Heart icon

    A user-friendly dashboard built for you, not your accountant.

  • Folder icon

    Peace of mind that you’re always organized ahead of tax season.

  • Plant icon

    A complete picture of your business health, wherever you are.

  • Icon of several people

    Our in-house team of bookkeeping, accounting, and payroll coaches.

Everything you need.
Nothing you don't.

Invoicing

Stop chasing clients for money

Reduce unpaid invoices, keep tabs on your income, and get paid faster—for the low, low price of FREE.

Learn more about Invoicing
Wave Payments Features

Payments

Get paid faster

Convenience is everything. Give your customers the option of paying with one click using a credit card, bank transfer, or Apple Pay.

Learn more about Payments

Accounting

Track your income & expenses, painlessly

Monitor your cash flow, stay organized, and stop sweating tax season. Say #sorrynotsorry to your spreadsheets and shoeboxes.

Learn more about Accounting
mobile with banking app open with image of a notification and the Wave Money card

Banking

Bye bye bookkeeping

Wave Money automatically syncs your expenses and income with our accounting software. We accept thank yous in the form of giant cookies.

Learn more about Banking
Wave Payroll Features and Dashboard

Payroll

Pay your staff, and yourself, in minutes

Didn't go to school for payroll? No worries. We built our Payroll tool for small business owners, so it’s easy to use AND teaches you as you go.

Learn more about Payroll
Illustration showing mentor profile

Advisors

Get by with a little 1:1 help

Our (non-judgmental) team of bookkeeping, accounting, and payroll experts is standing by to coach you—or do the work for you.

Learn more about Wave Advisors

Everything you need.
Nothing you don't.

Invoicing

Screenshot of invoicing dashboard
Stop chasing clients for money

Reduce unpaid invoices, keep tabs on your income, and get paid faster—for the low, low price of FREE.

Learn more about Invoicing

Payments

Illustration showing software payments feature
Get paid faster

Convenience is everything. Give your customers the option of paying with one click using a credit card, bank transfer, or Apple Pay.

Learn more about Payments

Accounting

Illustration showing software accounting features
Track your income & expenses, painlessly

Monitor your cash flow, stay organized, and stop sweating tax season. Say #sorrynotsorry to your spreadsheets and shoeboxes.

Learn more about Accounting

Banking

mobile with banking app open with image of a notification and the Wave Money card
Bye bye bookkeeping

Wave Money automatically syncs your expenses and income with our accounting software. We accept thank yous in the form of giant cookies.

Learn more about Banking

Payroll

Pay your staff, and yourself, in minutes

Didn't go to school for payroll? No worries. We built our Payroll tool for small business owners, so it’s easy to use AND teaches you as you go.

Learn more about Payroll

Advisors

Illustration showing Wave advisor with button saying approve payroll
Get by with a little 1:1 help

Our (non-judgmental) team of bookkeeping, accounting, and payroll experts is standing by to coach you—or do the work for you.

Learn more about Wave Advisors
Small business owners who use Wave for money management

Wave has helped over 2,000,000 North American small business owners take control of their finances.

Built for small business owners like you

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Freelancers
Wave helps freelancers manage their money
Create and send professional invoices in minutes.
Contractors
A contractor using Wave to manage their money.
Track your business expenses with our free accounting tools.
Consultants
A consultant using Wave to manage their money
Set up recurring invoices and payments for retainer clients.
Self-employed entrepreneurs
Self Employed Entrepreneurs using Wave to manage their money
Pay your staff (and yourself!) with confidence.

How much does Wave cost?

Tell me more
Invoicing
Free
Accounting
Free
Banking
Free
Payments
pay-per-use
Payroll
Monthly
Advisors
Pick A plan

Frequently Asked Questions

Is your software actually free?

Our our accounting software, invoicing software, or US-only banking software are 100% free. There are no trials, subscriptions, or hidden fees.

Wave's optional paid features include online payment processing, payroll software, and access to personalized bookkeeping services and coaching through Wave Advisors. If you're interested in using payroll software, you can start a free 30-day trial when you sign up for Wave.

What’s the catch—how does Wave make money?

Wave makes money through our optional, paid money management features include online payment processing, payroll software, and access to personalized bookkeeping services and coaching through Wave Advisors. These features help keep our invoicing, accounting, and business banking (currently only available to sole proprietors in the US) free.

If you're interested in our payroll software, you can start a free 30-day trial when you sign up for Wave.

Is Wave's software something I need to install?

Wave's money management tools are web-based, so you just need an Internet connection and browser to manage your books. No installation is necessary for our online software!

If you're looking for an on-the-go money management solution, you can also install our mobile app to help you manage invoices, payments, and business banking. Download our mobile app on iOS and Android today!

Is my data secure when I use Wave?

Completely. Our servers are protected physically and electronically. Any connections between you, your bank accounts, and Wave are protected by 256-bit SSL encryption. Wave is a PCI-DSS Level 1 Service Provider.

Do you provide customer support?

We provide different levels of support for customers who use different features and services from Wave. Full details on how Wave support works are available here.

Do what you love. Leave the rest to us.
Let's do this