Quick Answer
Last verified:
Estimate

Wave costs Free to $199 per month as of July 2026, with 3 plans available including a free tier. Plans: Starter (Free) (free), Pro at $19/month, and Wave Advisors at $199/month. Pricing depends on your chosen tier, contract length, and negotiated discounts.

Use the interactive pricing calculator to estimate your exact cost based on team size and requirements.

  • Free tier: Yes

Wave offers 3 pricing tiers: Starter (Free), Pro, Wave Advisors. A free plan is available. Paid plans include Pro at $19/month, Wave Advisors at $199/month. The Pro plan is businesses wanting polished invoices and automation.

Last verified:
Know Before You Buy — See Wave Plans

Wave lists $0-$199/month, but hidden costs like implementation and support add to the total as of July 2026. Key hidden costs: credit card processing (visa, mastercard, discover), bank transfers (ach), instant payouts. Verified from 1 sources by CostBench.

Hidden Costs Breakdown

1

Credit Card Processing (Visa, Mastercard, Discover)

high overage

Fees are 2.9% + $0.60 per transaction for Visa, Mastercard, and Discover.

industry

For American Express, it's 3.4% + $0.60 per transaction

2

Bank Transfers (ACH)

medium overage

The fee is 1% per transaction, with a minimum of $1.

industry

Bank Transfers (ACH): The fee is 1% per transaction, with a minimum of $1

3

Instant Payouts

medium overage

An additional 1% of the withdrawal amount is charged for instant payouts.

industry

Instant Payouts: An additional 1% of the withdrawal amount is charged for instant payouts

4

Pro Plan Subscription

medium addon

The Pro plan costs $16/month, or $19/month when billed monthly, or $190/year when billed annually.

industry

Optional Paid Plans and Add-ons: * Pro Plan: This plan costs $16/month (or $19/month when billed monthly, $190/year when billed annually, as of different reports) and includes features like automatic bank transaction imports, receipt scanning, unlimited collaborators, and automated late payment reminders

5

Payroll (Tax Service States)

high addon

In tax service states, payroll costs a $40 monthly base fee plus $6 per active employee or independent contractor.

industry

In self-service states, it's a $20 monthly base fee plus $6 per employee or contractor

6

Receipt Scanning

low addon

For Starter users not on the Pro plan, digitally capturing unlimited receipts costs $8 per month or $72 per year.

industry

Receipt Scanning: If not on the Pro plan, digitally capturing unlimited receipts costs $8 per month or $72 per year for Starter users

7

Bookkeeping Services (Wave Advisors)

high support

Bookkeeping services from Wave Advisors start from $149 per month.

industry

Bookkeeping Services (Wave Advisors): These services start from $149 per month

Frequently Asked Questions

01 What hidden costs should I budget for with Wave?

Beyond the license fee, budget for: Credit Card Processing (Visa, Mastercard, Discover) (2.9% + $0.60); Bank Transfers (ACH) (1%); Instant Payouts (1%); Pro Plan Subscription ($16/month); Payroll (Tax Service States) ($40/month); Receipt Scanning ($8/month); Bookkeeping Services (Wave Advisors) ($149/month). Exact totals depend on your deployment size and negotiated terms.

02 Does Wave charge for implementation?

Implementation costs for Wave vary by deployment size and customization. Contact the vendor or check our sourced hidden-cost breakdown above for verified figures.

03 How much does Wave support cost?

Bookkeeping services from Wave Advisors start from $149 per month.. Estimated impact: $149/month.

04 Are there overage or storage costs with Wave?

Fees are 2.9% + $0. Estimated impact: 2.9% + $0.60.

05 What add-ons cost extra with Wave?

Add-on pricing for Wave varies by feature. The sourced cost breakdown above lists any verified add-on costs we have.

Now You Know the Real Cost — See Wave Plans

Check current Wave pricing

Prices and terms change; verify against the live pricing page.

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