Wave Financial

Wave Financial

Free accounting; Payroll from $20/mo Business Finance ✓ Verified
★★★★☆ 4.4

Free AI accounting and invoicing for small businesses with automated bank categorization

Visit Website Write a Review ★

About this Tool

Wave Financial is a free AI-powered accounting and invoicing platform for small businesses and freelancers. Its AI automatically categorizes transactions imported from bank accounts, generates financial reports, and helps with tax preparation.

Wave’s AI-powered receipt scanning feature extracts data from photos of receipts and bills. Used by 2M+ small businesses, Wave provides professional accounting, invoicing, and payroll tools at zero cost for most features.

Key Features

🤖

Free AI Accounting

🔧

Automatic Bank Categorization

🤖

AI Receipt Scanning

💳

Invoice Generator

📊

Financial Reports

🔧

Tax Prep Assistance

💳

Payroll (paid add-on)

👥

2M+ Business Users

📋 Scripts & Prompts for Wave Financial +

Copy these AI-powered scripts to get maximum value from this tool. Sign up free to copy.

📄 Template
Debt Elimination Snowball + Avalanche Hybrid Plan
Beginner ⏱ 10 min
You are a debt specialist. Create my complete debt elimination plan. Debts I owe: [DEBT_LIST] (name, balance, interest rate, minimum…
Your debts (name, balance, rate, min payment)
Extra monthly payment
Your priority
📄 Template
Fine Tuning
Intermediate ⏱ 10 min
Sometimes no matter what tricks you throw at the model, it just won’t do what you want it to do.…
📄 Template
Build My Personal Budget & Zero-Based Spending Plan
Beginner ⏱ 15 min
You are a certified financial planner. Create a complete zero-based budget for me. Monthly take-home income: [INCOME] Fixed monthly expenses:…
🔓 Sign Up Free to Copy Free forever · No credit card
💬 Prompt
Design My Investment Portfolio — Any Goal
Intermediate ⏱ 12 min
You are a fee-only fiduciary financial advisor with expertise in portfolio construction. Design my investment portfolio. Investment goal: [GOAL] (retirement…
🔓 Sign Up Free to Copy Free forever · No credit card
💬 Prompt
AI Tax Optimization Strategy
Intermediate ⏱ 15 min
You are a CPA and tax strategist. Identify every legal tax optimization strategy for my situation. Filing status: [STATUS] Employment…
🔓 Sign Up Free to Copy Free forever · No credit card
🔐 Browse All Scripts in the Vault →

🔌 MCP Servers for Wave Financial +

Connect these MCP servers to give Claude, Cursor & Cline superpowers with this tool. Sign up free to copy install commands.

🔌
finmap-org/mcp-server
Intermediate 📱 Claude Desktop, Cursor, Continue.dev
[finmap.org](https://finmap.org/) MCP server provides comprehensive historical data from the US, UK, Russian and Turkish stock exchanges. Access sectors, tickers, company profiles, market cap, volume, value, and trade counts, as well as treemap and histogram visualizations.
GitHub
🔌
longportapp/openapi
Intermediate 📱 Claude Desktop, Cursor, Continue.dev
🐍 ☁️ - LongPort OpenAPI provides real-time stock market data, provides AI access analysis and trading capabilities through MCP.
🔓 Sign Up Free to Install
🔌
sonirico/mcp-stockfish
Intermediate 📱 Claude Desktop, Cursor, Continue.dev
🏎️ 🏠 🍎 🪟 🐧️ MCP server connecting AI systems to Stockfish chess engine.
🔓 Sign Up Free to Install
🔌
Alpaca's Trading API
Intermediate 📱 Claude Desktop, Cursor, Continue.dev
**[AlphaVantage](https://mcp.alphavantage.co/)** - Connect to 100+ APIs for financial market data, including stock prices, fundamentals, and more from [AlphaVantage](https://www.alphavantage.co)
🔓 Sign Up Free to Install
🔌 Browse All MCP Servers →

🤖 AI Agents for Wave Financial +

Pre-built automation agents that work with this tool — import in one click. Sign up free to access.

No agents added for this tool yet.

Browse all Business Finance agents in the Hub →

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Use Cases

✅

small business owners and solopreneurs at every stage—not accountants—so it’s ea

✅

small business owners and solopreneurs at every stage—not accountants—so it’s ea

✅

small business owners like you ## built for small business owners like you ### f

✅

small business owners like you ### freelancers pay your staff (and yourself!) wi

✅

small business owners at every stage! [](https://www

Who Is This For?

👤

Small Business

👤

Freelancers

Tags

Business Finance Finance & Trading Freemium Android Desktop iOS Web

Frequently Asked Questions

Wave Financial is available as free accounting; payroll from $20/mo. Visit the tool's website for the latest pricing details and plan options.

Wave Financial offers a free plan. Check the website for feature limitations and upgrade options.

Wave Financial is available on Android, Desktop, iOS, Web. Check the official website for the latest platform support.

Many tools offer free trials to let you test before subscribing. Check the Wave Financial website for current trial availability and duration.

Community Rating +

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At a Glance

  • Pricing ModelFree accounting; Payroll from $20/mo
  • PlatformsAndroid, Desktop, iOS, Web
  • CategoryBusiness Finance
  • WebsiteVisit →

Details

  • AI Technology Custom AI
  • Last Verified ✓ Mar 2026

Aggregate Pros

  • ✓small business owners and solopreneurs at every stage—not accountants—so it’s ea
  • ✓small business owners and solopreneurs at every stage—not accountants—so it’s ea
  • ✓small business owners like you ## built for small business owners like you ### f
  • ✓small business owners like you ### freelancers pay your staff (and yourself!) wi
  • ✓small business owners at every stage! [](https://www
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