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.
By signing up, you are indicating that you have read and agree to the Terms of Use and Privacy Policy.
Invoicing
Free
Look like a pro
$0
100% free
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
Free
Always be organized
$0
100% free
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
Free
Ditch fees, and bookkeeping
$0
100% free
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.
*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)
($1 USD minimum fee)
See all Payments features
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)
($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
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
See all Payroll features
$25
CAD monthly fee
+ $6 CAD per active employee
+ $6 CAD per independent contractor paid
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
Pick A pLan
Access experts, any time
Bookkeeping support
$149
USD monthly fee
Accounting &
payroll coaching
payroll coaching
$379
USD one time fee
(other packages available)
See all Advisors features
Bookkeeping support
$149
CAD Monthly fee
Accounting &
payroll coaching
payroll coaching
$379
CAD one time fee
(other packages available)
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.
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