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
The zero-cost entry point for a solo architect setting up business finances -- free unlimited invoicing and expense tracking covers early-stage needs; upgrade to Pro ($19/mo) for automated bank reconciliation; plan to graduate to FreshBooks or QBO once billing complexity grows beyond basic invoicing.
Solo-friendly
Rubric Scorecard
| Criterion | Score |
|---|---|
| Maturity | 4/5 |
| Agent Access | 2/5 |
| Integration | 2/5 |
| Evidence | 5/5 |
| Value / Pricing | 2/5 |
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 review. Verified 2026-06-30.
Alternatives in Accounting & Invoicing
Cloud accounting platform from Intuit covering invoicing, bank reconciliation, expense tracking, and financial reporting for small US businesses.
4.0/5
Cloud accounting and invoicing platform for freelancers and service businesses, with built-in time tracking, retainer billing, and project profitability reports.
3.6/5
Cloud accounting platform with bank reconciliation, invoicing, multi-currency support, and 1,000+ marketplace integrations for small businesses worldwide.
3.6/5
All-in-one freelancer business platform with contracts, invoicing, time tracking, expense management, and a CRM, with an MCP server for AI agent integration.
3.2/5
Get the AEC AI update
New tools in Accounting & Invoicing and rubric updates -- no vendor content.
Powered by Buttondown. Unsubscribe any time.