Everything you need. Nothing you don't.

Our bookkeeping and banking tools can be used separately or together for maximum control of your business finances.

Invoicing

Free

Look like a pro

$0
100% free
  • Look professional even when you’re in your sweat pants.
  • Create customized invoices that reflect your brand.
  • Send automated payment reminders so you can be good cop (we’ll be bad cop).
  • Checks in the mail? Nobody has time for that. Accept credit card, bank payments and Apple Pay directly from your invoices.

Accounting

Free

Always be organized

$0
100% free
  • Get unlimited income and expense tracking.
  • Make unlimited bank and credit card connections.
  • Access banger reports like Overdue Invoices & Bills and Profit & Loss.
  • Add unlimited partners, collaborators or accountants. The limit does not exist.
  • Know if you can make rent this month just by glancing at your dashboard.

Banking

Free

Ditch fees, and bookkeeping

$0
100% free
  • Keep business and personal expenses separated.
  • Bye bye, bookkeeping; Wave debit card purchases automatically get logged and categorized in our accounting software.
  • Normally we charge for Instant Payouts For you? Free.
  • Deposit checks and track your income with our mobile app.

Payments

Per-USE

Get paid faster

Credit Cards
2.9% + $0.60
USD per transaction
3.4% + $0.60
USD per AMEX transaction
Bank payments
1%
per transaction
($1 USD minimum fee)
Credit Cards
2.9% + $0.60
CAD per transaction
3.4% + $0.60
CAD per AMEX transaction
Bank payments
1%
per transaction
($1 CAD minimum fee)
  • Give clients the flexibility of paying you via bank deposit, credit card, and Apple Pay.
  • Manual entry? Cut. It. Out. Wave invoice payments automatically sync to your accounting dashboard.
  • Stay cash flow positive; get your money in as fast as 1 business day (Canada) or 2 business days (US).
  • Set up recurring billing and payments for retainer clients and get back to crushing it.

Payroll

Monthly

Pay staff in minutes

Tax service states

$35
USD monthly fee
+ $6 USD per active employee
+ $6 USD per independent contractor paid

Self service states

$20
USD monthly fee
+ $6 USD per active employee
+ $6 USD per independent contractor paid
$20
CAD monthly fee
+ $6 CAD per active employee
+ $6 CAD per independent contractor paid
  • Includes direct deposit, T4s, and full tax remittances to the CRA for Canadian customers.
  • Accuracy guaranteed, so you can put down the algebra textbook.
  • Easy set up with step by step instructions—no need to panic-Google, “what’s a T4?”
  • Easy access to important forms and documents. Look out, tax season.

Advisors

Pick A pLan

Access experts, any time

Bookkeeping support
$149
USD monthly fee
Accounting &
payroll coaching
$329
USD one time fee
(other packages available)
Bookkeeping support
$149
CAD Monthly fee
Accounting &
payroll coaching
$329
CAD one time fee
(other packages available)
  • Get coaching or support from our team of bookkeeping, accounting, and payroll experts.
  • Perfect for accounting newbies and those who want to become Wave power users (shout out to Kaleigh!)
  • Benefit from advice that’s tailored to your business goals, and start a beautiful friendship.
  • Tap an Advisor year-round, not just during tax time! We’re here for you.
Free
Invoicing
Look like a pro
  • Look professional, even in your sweat pants.
  • Create customized invoices that reflect your unique brand.
  • Send automated reminders so you can be good cop (we'll be bad cop).
  • Check’s in the mail? LOL. Apply to enable credit card, bank payments, and Apple Pay directly from your invoices.
Free
Accounting
Always be organized
  • Get unlimited income and expense tracking.
  • Add unlimited partners, collaborators, or accountants.
  • Know if you should charge clients more just by glancing at your dashboard.
  • Make unlimited bank and credit card connections.
  • Access helpful reports like Overdue Invoices & Bills and Profit & Loss.
Free
Banking
Ditch fees and bookkeeping
  • Keep business and personal expenses separate to seriously simplify tax season.
  • Normally we charge for Instant Payouts. For you? Free.
  • Bye bye, bookkeeping: Wave debit card purchases automatically get logged and categorized in our accounting software.
  • Deposit checks and track your income with our mobile app.
pay-Per-USE
Payments
Get paid faster
  • Give clients the flexibility of paying you via bank deposit, credit card, and Apple Pay.
  • Manual entry? Cut. It. Out. Wave invoice payments automatically sync to your accounting dashboard.
  • Stay cash flow positive: get your money in as fast as 1 business day (Canada) or 2 business days (US).
  • Set up recurring billing and payments for retainer clients, and get back to crushing it.
Monthly
Payroll
Pay staff in minutes
  • Pay employees and contractors with more ease than ever.
  • Deposit payments into employee's bank accounts in one click.
  • Employee portal access to paystubs and tax forms make everybody happy.
  • Easy access to important tax forms and documents. Look out, tax season.
  • Accuracy guaranteed, so you can put down the algebra textbook and still be compliant.
Pick A Plan
Advisors
Access experts, any time
  • Get coaching or support from our team of bookkeeping, accounting, and payroll experts.
  • Perfect for accounting newbies and those who want to become Wave power users.
  • Benefit from advice that’s tailored to your business goals, and start a beautiful friendship.
  • Tap an Advisor year-round, not just during tax time!

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.

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You’re the boss. Now be Employee of the Month.
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