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Wave: Wave is the best free accounting software.
| Tier | Price |
|---|---|
| Free | Full accounting, invoicing, and reporting — free forever |
| Starter | Payments: 2.9% + $0.60/transaction |
| Pro | Payroll: $20/mo + $6/employee |
Pricing verified March 2026.
| Wave | Ramp | Stripe | Mercury | |
|---|---|---|---|---|
| Price | Payments: 2.9% + $0.60/transaction | Free | 2.9% + $0.30/txn (Standard) | Free |
| Rating | ★ 4.0 | ★ 4.8 | ★ 4.6 | ★ 4.5 |
| Verdict | Recommended | Best Corporate Card | Recommended | Recommended |
Wave is the best free accounting software. Period. The core features rival QuickBooks Simple Start at $0/month instead of $30/month. The limitations are real — no inventory, basic reporting, limited integrations — but for freelancers and micro-businesses, Wave eliminates the need to pay for accounting software.
Reviewed by AICores Editorial Team
Last updated: May 2026
| Free Tier | ✓ | ✓ | ✓ | ✓ |