Wave
by Wave HQ (backed by H&R Block)
#5 in Small-business booksBest free
My pick for the simplest free start. The Starter plan covers invoices, bills and bookkeeping records, and Pro adds bank auto-import and receipt capture.
Not financial advice. Check fees and terms on the company’s site.
What’s good
- Free plan with unlimited invoices
- Pro adds bank import and receipts
- PCMag Editors' Choice for sole proprietors
Heads-up
- Starter card fees: 2.9% + $0.60
- Lighter features than QuickBooks or Xero
The details
- Best for
- Sole proprietors and freelancers who want free bookkeeping
- Price
- From $19/mo (Pro plan, billed monthly)
- Free plan
- Starter: unlimited invoices and bookkeeping records
- Skill level
- Beginner-friendly
- Made by
- Wave HQ (backed by H&R Block)
- Website
- waveapps.com
- Price checked
- Sep 30, 2026
Where it ranks
- #5Small-business booksBest free
Compare with similar picks
| Rank in Small-business books | #1 | #2 | #3 | #5 |
|---|---|---|---|---|
| Price | From $38/mo | From $27/mo | From $23/mo | From $19/mo |
| Free plan | No | No | No | Starter: unlimited invoices and bookkeeping records |
| Best for | Small businesses that need deep reporting and accountant-friendly books | Growing businesses wanting unlimited users and bank reconciliation | Freelancers and service businesses that send lots of invoices | Sole proprietors and freelancers who want free bookkeeping |
| Skill level | Any level | Any level | Beginner-friendly | Beginner-friendly |
| Start free trial | Try it | Start free trial | Try it free |
Also in Small-business books
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From $19/moTry it free