Zoho Books vs Wave
Both have a genuine free plan, which makes this a favorite matchup for freelancers and very small teams. Zoho Books gives you strong automation, deeper accounting and a path up through the wider Zoho suite. Wave keeps core invoicing and bookkeeping permanently free and simple. Here is how they compare, and which one fits your books.
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How they score
Scores are our editorial assessment against the VettedSaaS rubric · not vendor supplied.
Feature by feature
✓ full · ∼ partial · — noneFeature support verified as of June 2026 · check the vendor for current details.
Pricing, side by side
Per month, US list pricePricing as of June 2026 · check the vendor for current pricing. Zoho Books is free for businesses under $50,000 a year in revenue, then runs $20, $50 and $70 a month for Standard, Professional and Premium, with Elite and Ultimate tiers above that; annual billing saves about 20 percent. Wave keeps a free Starter plan; Pro is $19 a month, or about $16 a month billed annually; payroll runs from $40 a month plus $6 per active employee, and card payments cost 2.9 percent plus 60 cents per transaction.