Wave Pricing 2026: Is It Worth It?
Wave has 4 plans. Here is what each one includes, what it costs monthly and yearly, and which one fits your business.
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Quick answer
Wave pricing: Free Starter / Pro US$19/mo (US and Canada). The plans: Starter: $0; Pro: US$19 a month, or US$190 a year (CA$25 a month or CA$250 a year); Payroll (add-on): From US$25 a month (see Wave for your country); Wave Advisors: From US$149 a month. The free plan includes Unlimited estimates, invoices, bills and bookkeeping records, invoicing in the mobile app, dashboard and reports, optional online payments. No credit card needed to start.
Wave plans and pricing
4 plans. Here is exactly what you get on each, and who each one actually suits.
Starter
$0
Unlimited estimates, invoices, bills and bookkeeping records, invoicing in the mobile app, dashboard and reports, optional online payments
Best for
Freelancers and small businesses in the US or Canada who need invoices and simple bookkeeping
Hidden cost: Card payments cost 2.9% + $0.60 per transaction (Amex 3.4% + $0.60). Bank transactions are not imported automatically. Receipt scanning is an add-on (US$11 a month or US$96 a year).
Pro
US$19 a month, or US$190 a year (CA$25 a month or CA$250 a year)
Everything in Starter plus automatic bank imports, auto-merge and categorise transactions, unlimited receipt capture, automatic late payment reminders, no Wave branding, extra users
Best for
US and Canadian businesses that want bank feeds, receipt capture and automatic payment reminders
Hidden cost: Priced per business, not per owner: 3 businesses on Pro means paying 3 times. Card fee is 2.9% + $0 only for the first 10 transactions a month, then 2.9% + $0.60.
Payroll (add-on)
From US$25 a month (see Wave for your country)
Payroll runs connected to your Wave books
Best for
US and Canadian businesses paying staff
Hidden cost: US and Canada only.
Wave Advisors
From US$149 a month
Dedicated bookkeeper, monthly financial statements, expert support, onboarding from other software
Best for
Owners who want a bookkeeper to keep the books for them
Hidden cost: Mobile receipts not included.
Is the Wave free plan worth it?
What you get on free
Unlimited estimates, invoices, bills and bookkeeping records, invoicing in the mobile app, dashboard and reports, optional online payments
✓ No credit card needed to start
Who the free plan works for
Freelancers and small businesses in the US or Canada who need invoices and simple bookkeeping
When to upgrade from free
Stay on free if
- ✓You are testing Wave for the first time
- ✓You run a solo operation with low volume
- ✓Freelancers and small businesses in the US or Canada who need invoices and simple bookkeeping
Upgrade when you need
- → Only for businesses in the US and Canada: elsewhere you cannot send invoices or reminders through Wave
- → Bank feeds and receipt capture need the paid Pro plan (or a receipts add-on on Starter)
- → Card payments cost 2.9% + $0.60 per transaction (Pro waives the $0.60 on the first 10 each month)
Wave too expensive? Consider these alternatives
See full alternatives comparison →Start free on Wave. Upgrade only when you need to.
Prices change. Check the plan you pick on Wave's own pricing page before you buy.
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