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.
United States
Canada
United Kingdom
Australia
New Zealand
Switzerland
Ireland
France
Germany
Spain
Belgium
Finland
Luxembourg
The Netherlands
Austria
Italy
Denmark
Sweden
Norway
Portugal
Japan
Hong Kong
Singapore
Rest of the world
Accounting
Invoicing
Receipts
Payments
Payroll
Create your free Wave account
Accounting software Free
No set-up fees, no hidden charges, no monthly fee
- Unlimited income and expense tracking
- Track sales tax on income and expenses
- Add unlimited partners, collaborators or accountants
- Fully functional double entry system. Generate financial statements for year-end
- Powerful reports on Overdue Invoices & Bills, Cash Flow, Profit & Loss and more
- Unlimited bank and credit card connections
- Easily organize income and expenses into tax categories
- Run multiple businesses in one account
- Instantly see how your business is performing on your dashboard
Invoicing Free
No set-up fees, no hidden charges, no monthly fee
- Unlimited invoices: make and send as many as you'd like
- Accept credit card and bank payments right in the invoice (fees as low as 1%)
- Get more time back with recurring billing
- Let Wave do the chasing - we send out reminders on your behalf
- Automatically sync your invoices and accounting all in one place
Invoicing Free
No set-up fees, no hidden charges, no monthly fee
- Invoice in any currency
- Quickly send estimates and turn them into invoices upon approval
- Accept credit cards to get paid automatically
- Personalize your invoices with a choice of professional invoice templates
Invoicing Free
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
No set-up fees, no hidden charges, no monthly fee
- Unlimited receipt scanning with our free mobile app
- Integrate seamlessly with the accounting software by Wave
- Capture receipts even when you’re offline
- Say goodbye to paper receipts and spreadsheets
- Snap a photo of your receipt, we'll automatically fill in the rest
- Available on Android and iOS
- Incorporate receipts into your accounting reports
- Scan multiple receipts all at once
- No setup fees, monthly fees, or hidden fees
Payments Pay-per-use
Online payments Pay-per-use
Payments Pay-per-use
Credit card processing
per transaction for Visa, Mastercard, Discover
per transaction for American Express
- Get paid out in 2 business days
- Customers pay by any major credit card right from your invoice
Credit card processing
per transaction for Visa, Mastercard
per transaction for American Express
- Get paid out in 2 business days
- Customers pay by any major credit card right from your invoice
Credit card processing
per transaction for European issued cards
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
per transaction for Australian issued cards
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
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
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
per transaction for European issued cards excluding VAT
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
per transaction for European issued cards
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
per transaction for European issued cards
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
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
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
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)
per transaction ($1 minimum fee)
- Get paid out in 2-7 business days
- Customers pay right from their bank account
Bank payments (EFT)
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
Arizona, California, Florida, Georgia, Illinois, Indiana, Minnesota, New York, North Carolina, Tennessee, Texas, Virginia, Washington and Wisconsin+ $6 per active employee
+ $6 per independent contractor paid
- 100% payroll accuracy guaranteed
- Unlimited free direct deposits
- Pay yourself, employees or contractors, hassle-free
- Automatic tax filings and payments in supported states
- * Tax service states: Arizona, California, Florida, Georgia, Illinois, Indiana, Minnesota, New York, North Carolina, Tennessee, Texas, Virginia, Washington and Wisconsin. These 14 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 36 states. These 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.
Self service states
All other 36 states+ $6 per active employee
+ $6 per independent contractor paid
Payroll Monthly
Available in all provinces and territories, except Quebec
+ $6 per active employee
+ $6 per independent contractor paid
- 100% payroll accuracy guaranteed
- Unlimited free direct deposits
- Automatic tax filings and payments
- Pay yourself, employees or contractors, hassle-free
- Seamless integration with Wave Accounting software
- Get the full picture of your cash flow with wage and tax payment reporting
- Integrated employee portal for access to pay stubs, tax forms, and vacation leave.
- Full employee management with ROE forms, top ups, benefit calculations and more
Easy access for managing T4 and T4A tax forms
- Unlimited bank and credit card connections
- Easily organize income and expenses into tax categories
- Run multiple businesses in one account
- Instantly see how your business is performing on your dashboard
- No setup fees, monthly fees, or hidden fees
- Quickly send estimates and turn them into invoices upon approval
- Create professional custom invoices with your logo and business information
- Invoice in any currency from anywhere in the world
- No setup fees, monthly fees, or hidden fees
- Available on Android and iOS
- Incorporate receipts into your accounting reports
- Scan multiple receipts all at once
- No setup fees, monthly fees, or hidden fees
- Seamless integration with Wave Accounting software
- Pay-as-you-go Workers Compensation coverage
- Integrated employee portal for access to pay stubs, tax forms, and vacation leave.
- Employee management with benefits, documents, vacation and more
- Get the full picture of your cash flow with wage and tax payment reporting
- * Tax service states: Arizona, California, Florida, Georgia, Illinois, Indiana, Minnesota, New York, North Carolina, Tennessee, Texas, Virginia, Washington and Wisconsin. These 14 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 36 states. These 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.
- Seamless integration with Wave Accounting software
- Get the full picture of your cash flow with wage and tax payment reporting
- Full employee management with ROE forms, top ups, benefit calculations and more
- Easy access for managing T4 and T4A tax forms
- Accept bank payments (ACH) online
- Bank-grade security for all online payments
- Recurring billing with automatic payments for your repeat customers
- Integrated payments which can automate your sales collection
- No setup fees, monthly fees, or hidden fees
- Accept bank payments (EFT) online
- Bank-grade security for all online payments
- Recurring billing with automatic payments for your repeat customers
- Integrated payments which can automate your sales collection
- No setup fees, monthly fees, or hidden fees
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 most credit cards (with 3.4% + 30¢ fee for American Express), 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.
There are two additional fees for specific use cases for processing online payments.
- Dispute Fee of $15 – If the account holder disputes a payment transaction there is a one time chargeback fee.
- Return Fee of $5 per item - Per returned bank payment (ACH) we reserve the right to charge a return fee. (e.g. Returned by bank due to NSF or Account Closed)