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Small businesses do not need corporate-level software with bells and whistles they are never going to use. Often this software is expensive, but many of the free solutions come sorely limited. Wave attempts to be different to the usual free accounting services TAS - Free Easy To Use Financial Accounting Software TAS - Free Easy To Use Financial Accounting Software Read More by providing completely free cloud-based accounting software with a few paid products on top. You get complete, unhindered access to Wave’s accounting, invoicing and personal finance tools while payroll and payments remain premium features.

cloud-based accounting software

The company does it using an advertising-based model whereby select companies who support the startup can show offers to users. These companies include Dell, Microsoft and Symantec and Wave promises to never share any of your information with such partners.

The service attempts to make its feature set as user-friendly as possible and even integrates with services like PayPal and some online bank providers to minimize manual data entry.


Using Wave you can quickly generate reports using supplied data, generate invoices that can be customized and tailored with your branding, and even accept credit card payments Square - Mobile Credit Card Processing For The Masses Square - Mobile Credit Card Processing For The Masses Read More using the service. The Visa, MasterCard and American Express payment option charges a flat-rate of 2.9% plus 30 cents for each transaction, and the system fully integrates with Wave’s other apps.



  • Completely free, ad-supported accounting tools for generating reports and keeping track of records in a user-friendly manner.
  • Tools for invoicing including customisable invoices and credit card payments, also provided free of charge.
  • Optional premium features include payroll and receipt management, while personal finance remains free to use.
  • Add a Pay Now button to your invoices and accept major credit cards at 2.9% plus 30 cents per transaction.

Check out Wave at

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  1. Linda Petrecca
    February 9, 2015 at 6:19 pm

    One thing you fail to mention is that Wave only allows one income account "Sales". For businesses which need to track taxable items versus non-taxable items or want to split their income into categories, Wave will not work.

  2. Eric
    October 13, 2013 at 11:16 pm

    Nice article. Finally, small businesses are going to get the attention they deserve.

    I'd like to suggest cheking KEEPEK, an web-based accounting and invoicing application. It has a free offer for people on budget. I use it for invoicing, to track expenses and time.

    You can check it here:

  3. Steve Johnson
    September 3, 2013 at 12:08 pm

    Hi, I am using a free website to track my time and send invoices . It helps small businesses, freelancers and entrepreneur. It is simple, easy, no time trial, no limitations and feature rich. Check the website :