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Wave pricing 2026
This page covers Wave's published prices, free plan limits and the catches, using StackScope's accounting software report, last verified October 2026.
Wave's Starter plan is $0 and ongoing, with unlimited estimates, invoices, bills and bookkeeping records; online payments, receipt scanning and payroll are separate paid add-ons. Pro is $19 per month or $190 per year, priced per business profile rather than per owner or seat, and includes unlimited user access. A promotional $9.50 per month for the first 3 months is not the standard price. Wave presents Pro as its only paid subscription tier, so there is no mid tier to price. The main catch is that payment processing fees are where Wave's real cost lives: Starter charges 2.9% plus $0.60 per Visa, Mastercard or Discover transaction and 3.4% plus $0.60 for Amex, and Pro waives the fixed $0.60 fee for the first 10 qualifying transactions in each monthly subscription period before reverting to the same rate as Starter.
| Tool | Free plan | Entry tier | Mid tier | Highest public price | Aggregated sentiment |
|---|---|---|---|---|---|
| Wave | Ongoing Starter plan: $0. [VENDOR]Includes unlimited estimates, invoices, bills, and bookkeeping records. Online payments, receipt scanning, and payroll are separate paid add-ons — not part of the free plan's limitations, but genuinely optional extras. [VENDOR] | $19/mo standardPro · MONTHLY: $19 standard; $9.50/mo current promo for first 3 months — not the standard price [VENDOR]. ANNUAL: $190/year — vendor-published annual-billing price [VENDOR]; annual promo price not publicly specified. Pro is priced per business profile, not per owner or per seat, and includes unlimited user access — 1-user and 5-user prices are identical. [VENDOR] | — (by design)No public mid tier exists — this is not a research gap. Wave currently presents Pro as its only paid subscription tier; there is no distinct mid-tier product to price. [VENDOR] | $19/moPro · $19/mo monthly or $190/year annual. [VENDOR] Publicly priced; no Contact Sales tier exists above it. | Catch: payment processing fees are where Wave's real cost lives, not the subscription price. Starter charges 2.9% + $0.60 per Visa/Mastercard/Discover transaction and 3.4% + $0.60 for Amex; Pro waives the fixed $0.60 fee for the first 10 qualifying transactions in each monthly subscription period, then reverts to the same rate as Starter for the rest [VENDOR — Wave's own payments pages]. On high-volume invoicing this adds up fast and is easy to miss when comparing Wave's low subscription price against competitors. [3P — G2] Users consistently praise the free core, simple interface, and invoicing/bookkeeping value. Capterra currently confirms Pro $19 and the free tier; G2's current pricing page is stale and focuses on older Wave payroll products rather than the current Starter/Pro accounting subscription — its review data still supports the free-tier/value sentiment theme. [3P — G2/Capterra] Users: unlimited on both Starter and Pro, priced per business profile not per seat. Invoices/bills/clients: unlimited estimates, invoices, bills, and bookkeeping records on both tiers. Upgrade trigger: wanting bank import automation, receipt capture bundled in, the first-10-transaction fee waiver, or online payments/payroll access. AI: no separate AI add-on price found; automatic bank import, transaction categorization, and unlimited receipt capture are bundled into Pro. Receipt scanning alone is also available standalone on Starter at $8/month or $72/year for those who don't want the full Pro upgrade. [VENDOR] |
Figures are aggregated from vendor pricing pages and independent third-party pricing research as of October 2026 and reflect published list prices. See the full Accounting Software report for every tool side by side, with complete footnotes and flagged source conflicts. Confirm current pricing directly with the vendor before purchasing. This is not a recommendation to buy any specific product.
FAQ
Common questions
Is Wave accounting really free?
Yes. The Starter plan is $0 and ongoing, with unlimited estimates, invoices, bills and bookkeeping records. Online payments, receipt scanning and payroll are separate paid add-ons.
How much does Wave Pro cost?
$19 per month or $190 per year, priced per business profile rather than per owner or seat, with unlimited user access.
How does Wave make money?
Mainly from payment processing fees: 2.9% plus $0.60 per Visa, Mastercard or Discover transaction and 3.4% plus $0.60 for Amex on Starter.