Wave

by Wave Financial (owned by H&R Block)

Wave is accounting and invoicing software for very small businesses, letting you send invoices, track income and expenses, and keep basic books.

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How it helps you

For a first-time founder with no bookkeeper, Wave's free Starter plan covers unlimited professional invoices and basic accounting at $0/month, so you can look legit and stay organized before you have revenue. When a client pays an invoice, Wave can collect the money by card or bank transfer, and everything flows back into your books automatically.

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Facts & pricing

Free Starter plan: unlimited invoices, estimates, expense and income tracking, and basic reports at $0/mo
Pro plan is around $19/mo (or ~$190/yr) adding bank reconciliation, better reporting, and priority support
Payment processing runs 2.9% + $0.60 per card transaction on Starter (Pro waives the 60¢ fee)
Add-ons: receipt scanning ~$8/mo and payroll from ~$40/mo plus a per-person fee
Owned by H&R Block since 2019

Pricing: Free plan; Pro from ~$19/mo; card payments 2.9% + 60¢

Caveats

Since 2023 Wave has moved features like bank reconciliation and full reporting behind the paid Pro tier, so the free plan is more bare-bones than it used to be. It's built for solo and micro businesses, not for companies with complex accounting or inventory.

Bottom line

Pick Wave when you want free, no-fuss invoicing and simple books to get started without paying a monthly fee.

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