Wave Financial Pricing in 2026
Everything you need to know about Wave Financial plans, costs, and whether the free plan is enough for your needs.
Last updated: February 2026 · 2 plans compared
📝 Our Take on Wave Financial Pricing
Wave is the best free accounting software, period. There's genuinely no catch — accounting, invoicing, and receipt scanning are all free. They monetize through payment processing (2.9% + 60¢) and payroll services. For freelancers with simple needs, Wave eliminates the 'do I need accounting software?' question entirely.
Free. Really free. If you're a freelancer spending $15-30/mo on FreshBooks or QuickBooks and only need basic invoicing and bookkeeping, Wave saves you $180-360/year. The trade-off is fewer integrations and less advanced reporting.
📋 Free Plan Details
Limits: Completely free accounting, invoicing, and receipt scanning. Unlimited invoices and clients. Unlimited users.
Users: Unlimited
All Wave Financial Plans
Free
Forever free
Unlimited
Free
per user/month
Pro (Payments)
per user/month
💰 Real Cost by Team Size
Based on the entry-level paid plan. Annual estimates assume ~20% discount.
Frequently Asked Questions
How much does Wave Financial cost in 2026?
Wave Financial offers a free plan and paid plans starting at Free / $0/mo per user/month.
Does Wave Financial have a free plan?
Yes, Wave Financial offers a free plan. Completely free accounting, invoicing, and receipt scanning. Unlimited invoices and clients. Unlimited users. The free plan supports Unlimited.
What does Wave Financial cost for a team of 10?
Pricing varies by plan. Contact Wave Financial for team pricing or see the detailed breakdown above.
Not sure about Wave Financial?
Compare alternatives or read our in-depth review.