KashFlow vs Wave: Pricing and Ratings Compared (2026)
Entry prices and free plans as read on each vendor's pricing page, and user ratings as published on review sites, for KashFlow and Wave side by side. This page compares data; it is not a hands-on review.
On the data: On the data below, Wave leads on higher user rating and a free plan. We do not name an overall winner for this pair.
Short on time? Here's the quick answer
Based on published vendor pricing and features and on public review data, here's who should pick what:
KashFlow
Simplify your small business accounting, bookkeeping, and payroll with an easy-to-use online solution.
Best for you if:
- • You want easy to use interface, even for those with little accounting experience
Wave
Free accounting, invoicing, and receipt scanning for small businesses
Best for you if:
- • You want a free tier before you commit
| At a Glance | KashFlow | Wave |
|---|---|---|
Starts at | From $90/year Annual Starter plan | Free plan, paid from $19/mo flat, billed monthly Pro plan |
Category | Accounting Invoicing | Accounting Invoicing |
Rating | 3.8/5 G2 3.8 · TrustRadius 4.0 22 reviews | 4.3/5 Capterra 4.4 · G2 4.3 · SourceForge 3.2 2,059 reviews |
Free plan | No | Yes |
Watch out for | VAT not included in annual prices | n/a |
Choose KashFlow or Wave?
Choose KashFlow if
- You want easy to use interface, even for those with little accounting experience
- You want automates many accounting tasks, saving time and effort
Choose Wave if
- You want a free tier before you commit
- You want core features free
- You want easy to use
In-Depth Analysis
KashFlow
Simplify your small business accounting, bookkeeping, and payroll with an easy-to-use online solution.
KashFlow's pricing is competitive, especially for small businesses needing basic accounting.
Watch out
VAT not included in annual prices
Strengths
- Pro: Easy to use interface, even for those with little accounting experience.
- Pro: Automates many accounting tasks, saving time and effort.
- Pro: Direct integration with HMRC for VAT submissions ensures compliance.
- Pro: Accessible from anywhere with a mobile app.
- Pro: Offers free and fast UK-based support.
Weaknesses
- Con: Primarily focused on the UK market and tax regulations.
- Con: Payroll functionality is limited to 5 employees in listed plans.
- Con: Some features like unlimited bank transactions are only available in higher-tier plans.
Key features
Wave
Free accounting, invoicing, and receipt scanning for small businesses
Wave's Starter tier is incredibly generous, offering unlimited invoicing and bookkeeping for free, which is rare in the market.
Strengths
- Pro: Core features free
- Pro: Easy to use
- Pro: Good for startups
Weaknesses
- Con: Limited features
- Con: No inventory management
Key features
Plans and prices: KashFlow vs Wave
| Tool | Plans and prices | Source |
|---|---|---|
| KashFlow |
| kashflow.com/pricing read Oct 19, 2026 |
| Wave |
| waveapps.com/pricing read Nov 1, 2026 |
Prices as read on each vendor's own pricing page on the date shown. Plans are listed per tool and are not matched against the other tool's plans: a plan name or price in one column says nothing about the same row in the other. Details on KashFlow pricing and Wave pricing.
Key Takeaways
KashFlow
- Choose if you want simplify your small business accounting, bookkeeping, and payroll with an easy-to-use online solution
Wave
- Higher user rating: 4.3/5 vs 3.8/5
- Has a free plan
What the data shows
On the data below, Wave leads on higher user rating and a free plan. We do not name an overall winner for this pair.
- Wave has the higher user rating (3.8/5 from 22 reviews for KashFlow, 4.3/5 from 2,059 reviews for Wave).
- Entry prices are not ranked, they are charged on different bases: KashFlow $90/year; Wave $19/mo flat, billed monthly.
- Only Wave has a free plan.
Criteria: user rating (only above 20 reviews on both sides, gap of 0.2 or more), entry price (only on the same billing basis), free plan. How we rate
Frequently Asked Questions
How do KashFlow and Wave compare in 2026?
On the data below, Wave leads on higher user rating and a free plan. We do not name an overall winner for this pair. Wave has the higher user rating (3.8/5 from 22 reviews for KashFlow, 4.3/5 from 2,059 reviews for Wave). Entry prices are not ranked, they are charged on different bases: KashFlow $90/year; Wave $19/mo flat, billed monthly. Only Wave has a free plan.
What are KashFlow and Wave used for?
KashFlow: Simplify your small business accounting, bookkeeping, and payroll with an easy-to-use online solution. Wave: Free accounting, invoicing, and receipt scanning for small businesses.
What does KashFlow cost vs Wave?
KashFlow's cheapest paid plan is Annual Starter at $90/year. Wave's cheapest paid plan is Pro at $19/mo flat, billed monthly; it also has a free plan. Prices read on the vendors' pricing pages, latest check Nov 1, 2026.
What's the main difference between KashFlow and Wave?
KashFlow's main strength: easy to use interface, even for those with little accounting experience. Wave's main strength: core features free.