Wave
Wave is a free, user-friendly accounting and invoicing tool designed for entrepreneurs and micro-businesses. In 2026, Wave expanded its free tier to include receipt scanning, bank reconciliation, and basic payroll for up to two employees. Paid add-ons include credit card processing with competitive rates. Features include automatic invoicing, expense tracking, and profit/loss reports. No per-user fees make it ideal for small teams on a tight budget.
Score: 85/1000
Key Features
- ✓Free invoicing and accounting
- ✓Receipt scanning and bank reconciliation
- ✓Basic payroll for up to two employees
- ✓Profit/loss reports
- ✓No per-user fees
Pros
- +Easy to use
- +Good support
- +Regular updates
Cons
- -Learning curve
- -Pricing could be clearer