Wave Pricing in 2026 — All Plans Compared
Free
Full accounting, invoicing, and reporting — free forever
Starter
For individuals and small teams getting started.
Pro
For growing teams that need advanced features.
Is the Free Tier Enough?
Wave offers a free tier: Full accounting, invoicing, and reporting — free forever
The free plan works well for individual users and small teams getting started. If you need advanced features, more storage, or team collaboration, you will likely need to upgrade to the Starter or Pro plan. We recommend starting free and upgrading only when you hit a concrete limitation.
Which Plan Should You Pick?
Best if you are a solo user testing Wave or need basic functionality without paying.
Best for freelancers and small teams (2-5 people) who need core features at Payments: 2.9% + $0.60/transaction/mo.
Best for growing teams (5-50) who need advanced features, integrations, and priority support at Payroll: $20/mo + $6/employee/mo.
Price Comparison vs Alternatives
| Plan | Wave | Ramp | Gusto Payroll |
|---|---|---|---|
| Free Tier | Yes | Yes | Yes |
| Starter | Payments: 2.9% + $0.60/transaction | Free | $40/mo + $6/person/mo |
| Pro | Payroll: $20/mo + $6/employee | $12/user/mo (Ramp Plus) | $80/mo + $12/person/mo |
| Enterprise | N/A | Custom | Custom |
| Rating | ★ 4.0 | ★ 4.8 | ★ 4.6 |