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
Look like a pro
See all Invoicing features
- 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
Always be organized
See all Accounting features
- 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
Ditch fees, and bookkeeping
See all Banking features
- 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
Get paid faster
($1 USD minimum fee)
See all Payments features
($1 CAD minimum fee)
See all Payments features
- 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
Pay staff in minutes
Tax service states
Self service states
See all Payroll features
See all Payroll features
- 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
Access experts, any time
payroll coaching
See all Advisors features
payroll coaching
See all Advisors features
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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?
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.
