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Bookkeeping

Wave

Accounting, invoicing, payments and payroll software for small businesses. It reads receipts with 'smart OCR technology' and, on the Pro plan, auto-imports, merges and categorizes bank transactions by learning from how you categorize.

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Best for
Very small or new service businesses and solo contractors on a tight budget who want free invoicing.
Pricing
Free plan available (Starter); Pro from $19/mo or $190/yr (source)
Free trial
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Standout
Unlimited estimates and invoices on the free plan, and the Pro plan sends automatic late payment reminders.
Watch out for
The AI-style automation is limited (receipt OCR and learned categorization) compared with QuickBooks or Xero. Bank auto-import is Pro-only, and free-plan card payments cost 2.9% + $0.60 per transaction.
Works with
Plaid

Last checked against Wave's own site on 2026-10-19. Something changed? Tell us.

Sources

More bookkeeping tools

Digits

AI-native accounting software with an AI bookkeeping agent that categorizes and reconciles transactions 24/7 and keeps the P&L, balance sheet and cash flow statements up to date. It also includes invoicing, bill pay and 'Ask Digits', a chat assistant for questions about your finances.

From $65/mo (Essentials)Best for: Owners who want the books kept mostly automatically and plan to have their accountant review them inside the same platform.

FreshBooks

Invoicing and accounting software for estimates, invoices, expenses, time tracking and payments. For AI, it offers Kick, a bookkeeping partner service where AI categorizes transactions and flags possible write-offs while US-based accountants review the books at year-end, plus a connector that lets you ask Claude questions about your FreshBooks numbers.

From $23/mo (Lite); shown at $4.60/mo with an 80% off for 4 months promotionBest for: Solo operators and small contractors who mainly need clean invoices and estimates and get paid by card or ACH.

QuickBooks Online

Accounting software for invoicing, expenses, bookkeeping and reports. Its AI agents include Accounting AI, which categorizes transactions and reconciles books, and Payments AI, which drafts invoice reminders and suggests late fees based on customer history.

Free plan available (1 user, 2 invoices/month); paid plans from $38/mo (Simple Start), shown at $19/mo for 3 months as a promotionBest for: Small service businesses that want the accounting system most bookkeepers and field service apps already connect to.