Starter
FreeFree
No subscription fee; per-transaction card processing fee (2.9% + $0.60) applies to payments, not a subscription cost.
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Wave Financial Inc. (H&R Block)
Wave Accounting
Free cloud accounting and invoicing platform for small businesses, owned by H&R Block, with paid add-ons for payments, payroll and bookkeeping.
Official pricing
Plans published by Wave Accounting
Vendor list pricing, kept separate from what MapMyApps members report paying. Prices may vary by usage, seats, region, taxes, and promotions.
Pro (annual)
$190/yr
Billed as one annual lump sum of $190 USD/year (works out to ~$15.83/mo). Excludes payment processing fees.
Pro
$19/mo
Standard monthly price in USD; a limited-time $9.50/mo promo for 3 months was excluded. Excludes payment processing fees.
Wave Advisors
From $149/mo
Starting price; includes Pro plan features plus a dedicated bookkeeper. Actual price varies by engagement.
Pricing last verified September 25, 2026.
Selection guide
Where Wave fits in a small-business stack
Editorial review ·
What can you use Wave for?
Wave combines bookkeeping and invoicing workflows for small businesses. Its pricing page distinguishes a free Starter subscription from Pro, which adds automation such as bank transaction imports and receipt capture. Confirm current eligibility and bank support for your location. A product that covers the basics for one business may still need add-ons or a different plan for another.
Free bookkeeping does not mean free payment processing
Compare the subscription separately from card and bank payment fees. Wave lists payment acceptance and other services alongside its plans; payroll, bookkeeping help, and optional features can change the total. Budget with your expected invoice volume and payment mix, then compare the monthly bill with the full annual commitment. The dated official plan records below remain separate from member-reported spending.
Test the path from invoice to reconciled deposit
Use a sample invoice to check customer delivery, payment recording, fees, refunds, and the final bank deposit. Confirm which steps your selected plan automates and which you must review. Invite your bookkeeper using the appropriate access role rather than sharing an account. Before migrating, export the records and reports you will need from the old system and check what can actually be imported into Wave.
Related guides
Sources and further reading
Vendor documentation supports product details; the evaluation checklist is MapMyApps editorial guidance. Pricing and availability can change.
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