Accounting / Comparison
Wave vs Xero
- Wave: from $19 a month, free plan yes. Xero: from $27 a month, free plan no. Plans differ, so check what each price includes.
| Wave Free invoicing and bookkeeping, with a paid plan that adds automation | Xero Online accounting for invoicing, bank reconciliation and reporting | |
|---|---|---|
| Starting price | From $19 a month | From $27 a month |
| Free plan | Yes | No |
| Pricing in detail | Free plan. Pro is $19 a month billed monthly, or $190 a year. Payment processing fees apply. | No free plan. Plans from $27 a month, billed monthly, with a new-customer discount shown. |
| User rating | No reviews yet | No reviews yet |
| Company | Wave Financial Inc. | Xero Limited, founded 2006 |
| Works with | Etsy, eBay, Amazon, Google Sheets, Make | Stripe, Gusto, PayPal, Square, Dext |
| Facts checked on | 12 Oct 2026 | 12 Oct 2026 |
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