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.

*Banking services provided by Community Federal Savings Bank

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

$40
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
$25
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
$379
USD one time fee
(other packages available)
Bookkeeping support
$149
CAD Monthly fee
Accounting &
payroll coaching
$379
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!

*Banking services provided by Community Federal Savings Bank

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.

Two women shaking hands
You’re the boss. Now be Employee of the Month.
Let's do this