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Wave Financial

Free invoicing & accounting software.

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Overview

Wave offers a suite of financial tools for small businesses, including accounting, invoicing, and payments, at no monthly cost. While not designed for churches, its free accounting module can be a viable option for very small congregations with simple financial needs. It allows for income and expense tracking, financial reporting, and bank reconciliation. Fund accounting would need to be managed manually using the chart of accounts.

✨ Key Features

  • Income & Expense Tracking
  • Financial Reporting (P&L, Balance Sheet)
  • Invoicing
  • Bank Reconciliation
  • Receipt Scanning

🎯 Key Differentiators

  • Core accounting and invoicing software is completely free.
  • Simple, user-friendly interface.
  • No limits on users, invoices, or transactions.

Unique Value: Wave provides robust, easy-to-use accounting software at no cost, making essential financial management accessible to even the smallest churches with no budget for software.

🎯 Use Cases (3)

Very small churches or church plants with minimal budgets. Basic bookkeeping and expense tracking. Organizations needing a free alternative to QuickBooks.

✅ Best For

  • Free, basic accounting for new or small organizations.

💡 Check With Vendor

Verify these considerations match your specific requirements:

  • Any church that requires true fund accounting.
  • Organizations that need to track donations against pledges or require integrated giving.

🏆 Alternatives

QuickBooks Online Xero FreshBooks

Unlike paid alternatives like QuickBooks, Wave's core features are entirely free. While it lacks the nonprofit-specific features of Aplos or ChurchTrac, it is a viable starting point for basic bookkeeping.

💻 Platforms

Web iOS Android

🔌 Integrations

PayPal Stripe Zapier

🛟 Support Options

  • ✓ Email Support
  • ✓ Live Chat
  • ✓ Dedicated Support (Paid support available tier)

🔒 Compliance & Security

✓ GDPR ✓ SSO ✓ PCI DSS Level 1

💰 Pricing

Contact for pricing
Free Tier Available

Free tier: Accounting, Invoicing, and Receipt Scanning are free. Fees apply for payment processing and payroll.

Visit Wave Financial Website →