Product A
Wave
by Wave Financial
Completely free accounting and invoicing for freelancers and micro-businesses.
Free tier
Visit Wave →Product B
Xero
by Xero Limited
Cloud accounting built for growing businesses with strong UK and AU support.
$29mo
Visit Xero →Side-by-Side Comparison
| Feature | Wave | Xero |
|---|---|---|
| Price | FreeBetter | $29mo |
| Free Tier | Yes | No |
| Top Pros | Core accounting and invoicing is genuinely free | Unlimited users on every plan |
| Double-entry accounting included | Strong multi-currency (Premium) | |
| Receipt scanning included | 1,000+ app integrations | |
| Top Cons | Support limited on free plan | Payroll limited to certain countries |
| Payroll only available in US and Canada | Starter plan caps invoices and bills |
Choose Wave if you…
- Want: core accounting and invoicing is genuinely free
- Want: double-entry accounting included
- Want: receipt scanning included
Choose Xero if you…
- Want: unlimited users on every plan
- Want: strong multi-currency (premium)
- Want: 1,000+ app integrations