Wave Accounting
Free cloud accounting and invoicing platform for freelancers, owned by H&R Block since 2019, with automated bank reconciliation on the $19/mo Pro plan.
3.0 /5 composite score
C1 4/5 reflects the free tier, C4 5/5 reflects CSV, XLS, OFX, QFX, and QBO workflows, and C2 2/5 reflects limited automation through GraphQL and Zapier with no documented webhooks. Integrations are PayPal, Etsy, and Zapier, and firm-size fit is solo.
Solid
Rubric Scorecard
| Criterion | Score | Evidence |
|---|---|---|
| Value for the price | 4/5 | Freemium, from $0, free tier Source → |
| Agent Friendliness | 2/5 | API: GraphQL (limited; primarily Zapier-based automation) |
| Ease of adoption | 2/5 | -- |
| Portability & lock-in | 5/5 | 5 file formats |
| Interoperability | 2/5 | 3 integrations |
Pricing
ModelFreemium
Entry price$0
Free tieryes
Free viewerno
Trialno
How we verified this: we checked Wave Accounting against its live site and an independent source — nerdwallet.com. Nothing on this page is listed from memory. See how we grade. Verified 2026-07-18.
Evidence
File formats
| Format | Direction | Support |
|---|---|---|
| CSV | unknown | unknown |
| XLS | unknown | unknown |
| OFX | unknown | unknown |
| QFX | unknown | unknown |
| QBO | unknown | unknown |
Integrations
PayPal Etsy Zapier
Sources
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