Free accounting software for self employed

You love the lifestyle that comes with being self-employed, but you may not love the often complicated accounting responsibilities that come with it. Let Wave help you manage your finances so you can focus on building your business.

Get started, 100% free
Keep the revenue flowing in

Wave can help make sure you are paid for your hard work. Get rid of late payments by including features like automated reminders and recurring invoices. Make it easy and convenient for your clients to pay by offering options such as bank transfers, credit cards, and online payments.

Manage your money anywhere, anytime

Wave is cloud-based, so you can securely access your accounting software and your financial information anywhere you are – whether you are working in your pjs, or waiting for a meeting to start. You can also choose from Wave’s selection of free, beautifully designed invoice templates to make sure every touch point with your client instills confidence in your personal brand.

My fav tool for invoicing and accounting is Wave. Totally free. Easy-to-use. And I love the interface!

Julienne Desjardins - Digital Marketer

Unlimited accounting, 100% free

Try Wave for free

Run your business your way

As a self-employed professional, your flexibility is a huge advantage, so you need financial processes that are as flexible as you are. This accounting software is designed especially for self-employed individuals and freelancers like you, and can be easily customized for any size business and any type of goods or services you provide.

On your mark, get set… go!

It’s easy to set up an account and get started. And best of all – it’s free! You can add features as you need them, such as bank account connections and real-time transaction updates, and you can easily make changes if your accounting or business requirements change.

Get your money into your pocket faster

Keep your income flowing in with the help of flexible payment options, and money transfers in as little as two days. Access your books at home or on the go, track business-related expenses like travel and office supplies, and set up the systems and automations you need to take control of your cash flow and keep more of your money.

Find effective ways to grow your business

Create graphs, charts, and dashboards to see at a glance where your income is coming from and which expenses are cutting into your bottom line. You can then dig down as deep as you like with expense tracking and customized reports to manage your revenue, categorize expenses, and find cost-cutting opportunities. You’ll also experience peace of mind knowing your personal financial information is backed-up and secure.

Make your life easier with the right accounting

Since you are self-employed you don’t have the resources of a large company to make sure you are paid properly and your books are balanced. Wave accounting software is the solution you need to take charge of your business and keep your hard-earned income safe.

Protect your money

You work hard to make your business a success – that’s why Wave uses both physical and digital protection to keep your money safe. Connect to your bank with read-only and 256-bit encryption. Wave is also PCI Level-1 certified – which is often necessary with third-party merchant service providers.

Make tax time work for you

Wave’s smart dashboard efficiently organizes your income, expenses, payments, and invoices for fast and accurate tax preparation. You’ll have all the information you need to ensure you don’t miss out on any tax incentives that could grow your business, minimize taxes, and help you keep more of your money.

Get your accountant in on the action

Safely hand off your books to your accountant by adding them as a limited user. Since Wave uses accountant-approved, real double entry accounting, your accountant will have all the information they need. You can also email exported financial statements and reports directly from Wave.

Unlimited accounting, 100% free

Try Wave for free

Customers love Wave

4.4 out of 5 stars based on user reviews collected by G2Crowd as of Spring 2022.

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4.4 out of 5 stars

Frequently Asked Questions

Is your software actually free?

Yes! Our invoicing, accounting, and US-only banking software is 100% free—no trials, subscriptions, or hidden fees.

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

Wave makes money through our optional, paid money management products. Depending on your business needs, you can choose to pay for online payment processing, payroll, and 1:1 advisors. This allows our core software—invoicing, accounting, and business banking (currently only available to sole proprietors in the US)—to always be free.

Do I need to enter my credit card details to sign up?

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

Do I need to install any software?

Wave is 100% web-based, so you just need an Internet connection and browser. You can, however, download and install our mobile invoicing app for iOS and Android.

Is my data secure?

Completely. 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.

Do you provide customer support?

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

Easy-to-use free accounting software for self-employed folks.

Powerful and 100% free accounting software that has everything you need to confidently run your own business.