# Wave pricing (2026): plans, cost, and compliance

**Entry price:** $0 (free)/mo (Starter (Free)). Among the 8 accounting software we track it is the cheapest; median entry $22/mo.
**Domain:** waveapps.com
**Free tier:** Yes
**Compliance:** HIPAA Not published · SOC 2 Not published · GDPR Not published
**Integrations:** Wave Payments, Wave Payroll, Stripe, PayPal, Zapier, Google Sheets, Etsy
**Best for:** Freelancers and micro-businesses wanting $0 accounting software; Solopreneurs who need invoicing without a subscription; Very early-stage businesses with simple books
**Price tracked since:** June 2026

## Plans

| Plan | Monthly | Annual | Billing | Notes | Source |
| --- | --- | --- | --- | --- | --- |
| Starter (Free) | $0 | — | flat | Free forever. Unlimited estimates, invoices, bills, and bookkeeping records; mobile invoicing; cash flow dashboard. Card payments 2.9% + $0.60 per transaction. | waveapps.com |
| Pro | $19 | — | flat | Adds auto-import and auto-categorization of bank transactions, unlimited receipt capture, automated late-payment reminders, and discounted card processing (first 10 transactions/month at 2.9% + $0). | waveapps.com |
| Wave Advisors | $149 | — | flat | Starting at $149/mo (reduced from $199 in 2026; intro promo ~$136/mo). Includes Pro features plus a dedicated bookkeeper, monthly financial statements, and expert support. | waveapps.com |

**Key features:** Genuinely free accounting and invoicing forever (Starter plan); Built-in payment processing without third-party gateway; Automatic bank transaction import and categorization (Pro); Dedicated human bookkeeper available (Advisors tier); Mobile receipt scanning.

**Plan limits:** Starter: unlimited invoices/bills/records but no automatic bank import; Pro: automatic bank import and auto-categorization; Card processing fee: 2.9% + $0.60 per transaction (Starter); first 10 tx/mo at 2.9%+$0 (Pro).

Sources: 1 · Last verified 2026-06-23
Provenance: Wave published pricing collected directly from waveapps.com/pricing, re-verified live 2026-06-23. Regular monthly rates recorded (the page also shows promos excluded here: Pro ~$9.50 for the first 3 months, Advisors ~$136 intro). 2026-06-23 change: Wave Advisors dropped from $199 to a 'starting at $149/mo' regular rate. Card processing is 2.9% + $0.60 per transaction on Starter; Pro waives the $0.60 on the first 10 card transactions per month.
Canonical: https://frontdeskreview.com/software/accounting-software/wave/
Cite: Per The Front Desk Review, Wave's entry plan was $0 (free)/mo as of 2026-06-23 — https://frontdeskreview.com/software/accounting-software/wave/
License: CC BY 4.0. Price history: https://frontdeskreview.com/data/price-history.jsonl