SAP Concur vs Wave: Which Should You Choose in 2026?
Choosing between SAP Concur and Wave comes down to understanding what each tool does best. This comparison breaks down the key differences so you can make an informed decision based on your specific needs, not marketing claims.
Short on time? Here's the quick answer
We've tested both tools. Here's who should pick what:
SAP Concur
Streamline spend management for travel, expense, and invoice on a single platform.
Best for you if:
- • You want the higher-rated option (8.7/10 vs 8.0/10)
- • You need expense management features specifically
- • Integrates travel, expense, and invoice management on one platform.
- • Automates expense reporting, travel booking, and AP processes.
Wave
Free invoicing & accounting
Best for you if:
- • You want to try before committing
- • You need accounting features specifically
- • Wave is free accounting software for small businesses
- • It provides invoicing, accounting, and receipt scanning at no cost
| At a Glance | ||
|---|---|---|
Price | Paid | Free + Paid |
Best For | Expense Management | Accounting |
Rating | 87/100 | 80/100 |
| Feature | SAP Concur | Wave |
|---|---|---|
| Pricing Model | Paid | Freemium |
| Editorial Score | 87 | 80 |
| Community Rating | No ratings yet | No ratings yet |
| Total Reviews | 0 | 0 |
| Community Upvotes | 0 | 0 |
| Categories | Expense ManagementInvoicing | AccountingInvoicing |
Understanding the Differences
Both SAP Concur and Wave solve similar problems, but they approach them differently.SAP Concur positions itself as "streamline spend management for travel, expense, and invoice on a single platform." while Wavefocuses on "free invoicing & accounting". These differences matter depending on what you're trying to accomplish.
When to Choose SAP Concur
SAP Concur makes sense if you're looking for a comprehensive paid solution. With a score of 87/100, it's our top pick in this comparison.
When to Choose Wave
Wave is worth considering if you need a flexible option with both free and paid tiers tool.
Who Should Use What?
Bootstrapped or small team?
Wave won't cost you anything to start, which is exactly what early-stage teams need.
We'd pick: Wave
Growing fast?
Your team doubled last quarter and you need tools that won't break when you add 50 more people. SAP Concur handles scale better in our testing.
We'd pick: SAP Concur
Enterprise with complex needs?
You need SSO, compliance certifications, and a support team that picks up the phone. SAP Concur is built for organizations like yours.
We'd pick: SAP Concur
Still not sure? Answer these 3 questions
How much can you spend?
Want to test first? Wave has a free tier to get you started.
Do you care what other users think?
Both have similar review counts. Read a few before you commit.
Expert opinion or crowd wisdom?
Our team rated SAP Concur higher (87/100). But the community has upvoted Wave more (0 votes). Pick your source of truth.
Key Takeaways
What SAP Concur Does Better
- Higher overall score (87/100)
- Our recommendation for most use cases
Consider Wave If
- You want to start free and scale later
- Its specific features better match your workflow
- You prefer its interface or design approach
The Bottom Line
If we had to pick one, we'd go with SAP Concur (87/100). But the honest answer is that "better" depends on your situation. SAP Concur scores higher in our analysis, but Wave might be the right choice if its specific strengths align with what you need most. Take advantage of free trials to test both before committing.
Frequently Asked Questions
Is SAP Concur or Wave better?
Based on our analysis, SAP Concur scores higher with 87/100. SAP Concur ispaid while Wave is freemium. The best choice depends on your specific needs and budget. We recommend testing both with free trials if available.
Can I switch from SAP Concur to Wave easily?
Migration difficulty varies. Check if both tools support data export/import in compatible formats. Some tools offer migration assistance or have integration partners who can help with the transition.
Do SAP Concur and Wave offer free trials?
Most software in this category offers free trials or free tiers. SAP Concur is paid with potential trial.Wave is freemium with a free tier. Visit their websites for current trial offers.