Pricing

Small businesses have a right to great software

No trials, no catches, and no limits. Accounting, invoicing and receipt tracking software so you can better understand your business finances, for free.

FREE

Accounting

$0

Invoicing

$0
$0

Receipts

$0
No set-up fees, no hidden charges, no monthly fee
See what's included
MONTHLY

Payroll

Tax service states
$35 monthly base fee
+ $4 per active employee
+ $4 per independent contractor paid
Self service states
$20 monthly base fee
+ $4 per active employee
+ $4 per independent contractor paid
$20 monthly base fee
+ $4 per active employee
+ $4 per independent contractor paid
Get more details about Payroll See all payroll features

Create your free Wave account

Accounting software Free

$0

No set-up fees, no hidden charges, no monthly fee

  • Unlimited bank and credit card connections
  • Unlimited income and expense tracking
  • Unlimited guest collaborators
  • Run multiple businesses in one account

Invoicing Free

$0

No set-up fees, no hidden charges, no monthly fee

  • Invoice in any currency
  • Quickly send estimates and turn them into invoices upon approval
  • Personalize your invoices with a choice of professional invoice templates
  • Get paid faster when you enable Payments by Wave (fees as low as 1%)

Invoicing Free

$0

No set-up fees, no hidden charges, no monthly fee

  • Invoice in any currency
  • Quickly send estimates and turn them into invoices upon approval
  • Personalize your invoices with a choice of professional invoice templates

Receipt scanning Free

$0

No set-up fees, no hidden charges, no monthly fee

  • Unlimited receipt scanning with our free iOS and Android apps
  • Capture receipts even when you’re offline
  • Receipts are automatically recorded as accounting transactions in Wave

Online payments Pay-per-use

Credit card processing
2.9% + 30¢

per transaction

  • Get paid out in 2 business days
  • Customers pay by any major credit card right from your invoice
Credit card processing
2.9% + 30¢

per transaction

  • Get paid out in 2 business days
  • Customers pay by any major credit card right from your invoice
Credit card processing
1.4% + 20p

per transaction for European issued cards

2.9% + 20p

per transaction for non-European issued cards

  • No hidden fees or monthly charges
  • Money transfers to your account in just 7 business days!
Credit card processing
1.75% + 30¢

per transaction for Australian issued cards

2.9% + 30¢

per transaction for non-Australian issued cards

  • No hidden fees or monthly charges
  • Money transfers to your account in just 7 business days!
Credit card processing
2.9% + NZ$0.30

per transaction for all credit cards

  • No hidden fees or monthly charges
  • Money transfers to your account in just 7 business days!
Credit card processing
2.9% + CHF0.30

per transaction for all credit cards

  • No hidden fees or monthly charges
  • Money transfers to your account in just 7 business days!
Credit card processing
1.4% + €0.25

per transaction for European issued cards excluding VAT

2.9% + €0.25

per transaction for non-European issued cards excluding VAT

  • No hidden fees or monthly charges
  • Money transfers to your account in just 7 business days!
Credit card processing
1.4% + 1.80kr

per transaction for European issued cards

2.9% + 1.80kr

per transaction for non-European issued cards

  • No hidden fees or monthly charges
  • Money transfers to your account in just 7 business days!
Credit card processing
2.4% + 2kr

per transaction for European issued cards

2.9% + 2kr

per transaction for non-European issued cards

  • No hidden fees or monthly charges
  • Money transfers to your account in just 7 business days!
Credit card processing
3.4% + HK$2.35

per transaction for all credit cards

  • No hidden fees or monthly charges
  • Money transfers to your account in just 7 business days!
Credit card processing
3.4% + $0.50

per transaction for all credit cards

  • No hidden fees or monthly charges
  • Money transfers to your account in just 7 business days!
Bank payments (ACH)
1%

per transaction ($1 minimum fee)

  • Get paid out in 2-7 business days
  • Customers pay right from their bank account
Bank payments (EFT)
1%

per transaction ($1 minimum fee)

  • Get paid out in 2-7 business days
  • Customers pay right from their bank account

Payroll Monthly

Tax service states
California, Florida, New York, Texas, Illinois, and Washington
$35 monthly base fee

+ $4 per active employee

+ $4 per independent contractor paid

Wave handles your payroll taxes.

These six states include tax services from Wave. This means we automatically transfer tax payments and file the paperwork with your state tax office and the IRS.

Self service states
All other 44 states
$20 monthly base fee

+ $4 per active employee

+ $4 per independent contractor paid

Wave makes filing your own payroll taxes easy.

The remaining 44 states are self-serve, which means you’ll have to pay and file the paperwork yourself. Wave makes it easy by showing you what information and how much money you’ll need per payroll.

Payroll Monthly

Available in all provinces and territories, except Quebec
$20 monthly base fee

+ $4 per active employee

+ $4 per independent contractor paid

Your monthly price includes direct deposit, T4s, full tax remittances to the CRA, and Wave’s payroll accuracy guarantee.

Create your free Wave account

Frequently asked questions

Yes really, no tricks! Our software is 100% free, no trials, no limitations, and no hidden fees. Use it as much as you want, for as long as you want, and we won’t charge a cent. Our free software includes invoicing, accounting, and receipt scanning.

Wave makes money from financial services that make running your business faster. We offer payroll services in Canada and the U.S. at a super affordable price. We also allow businesses to accept payments online so you can get invoices paid faster; we charge a competitive 2.9% + 30¢ fee to process credit cards, and 1% for bank payments (where available).

Yes! We’re ready to answer all your questions with email support for all software (invoicing, accounting and receipt scanning). Live chat support is available for our paid financial services (Payments and Payroll).

Completely safe. 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.

We’ve got staying power. Wave has served hundreds of thousands of small business owners around the world, and tracked over $330 billion in income & expenses since 2010.

Wave is 100% web-based, so you just need an internet connection and browser.

You can, however, download and install our mobile invoicing and receipt scanning apps for iOS and Android.

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