The invoicing is clean and clients pay by card from the invoice. I have used tools costing 40 dollars a month that did this worse.
Pros
Canadian payroll handles T4, ROE, CPP and EI with automatic CRA remittance.
Cons
Support is email and a forum, and replies take days.
Ease of use
Value for money
Customer service
Functionality
12 found this helpful
Kyle Forsythe
Managing Partner, Hillcrest Family Clinic
United States·Marketing·51 to 200 employees
4.0
May 6, 2026
Verified userUsed 1 to 2 years
Real accounting at no cost
Started here three years ago expecting to outgrow it in six months. Still here. If your business is genuinely small, this is not a compromise.
Pros
Receipt scanning works well enough to keep shoeboxes empty.
Cons
Reporting is basic and exports are the answer to most non standard questions.
Ease of use
Value for money
Customer service
Functionality
12 found this helpful
Priya Vasquez
General Manager, Sandbar Hospitality
United States·Manufacturing·201 to 500 employees
3.0
Mar 30, 2026
Used 2 or more years
Good until you grow
Support is email and a forum, and the reply takes a few days. That is a fair trade at this price, but do not build a month end process that assumes someone will answer quickly.
Pros
Proper double entry underneath, so an accountant can work with it.
Cons
Bank feeds drop more often than on paid competitors and sometimes fail silently.
Ease of use
Value for money
Customer service
Functionality
12 found this helpful
Everett Thibault
Founder, Tidewater Marine Services
United States·Nonprofit·500+ employees
5.0
Dec 18, 2025
Used 2 or more years
Free and not crippled
Canadian payroll files our T4s and handles CPP, EI and the ROE when someone leaves. Remittance to CRA is automatic. For a five person shop in Alberta this is the whole job done for a fraction of what the big providers quoted.
Pros
Proper double entry underneath, so an accountant can work with it.
Cons
There is no inventory, no project tracking and no multi currency.
Ease of use
Value for money
Customer service
Functionality
12 found this helpful
Dana McAllister
Sales Director, Willow & Ash Salons
Canada·Construction·51 to 200 employees
5.0
Sep 18, 2025
Verified userLinkedIn confirmedUsed 2 or more years
Real accounting at no cost
The invoicing is clean and clients pay by card from the invoice. I have used tools costing 40 dollars a month that did this worse.
Pros
Receipt scanning works well enough to keep shoeboxes empty.
Cons
Bank feeds drop more often than on paid competitors and sometimes fail silently.
Ease of use
Value for money
Customer service
Functionality
12 found this helpful
Leonard Sandoval
Sales Director, Northern Star Staffing
United States·Marketing·1 to 10 employees
4.0
Jul 15, 2024
Verified userLinkedIn confirmedUsed 2 or more years
Free and not crippled
Started here three years ago expecting to outgrow it in six months. Still here. If your business is genuinely small, this is not a compromise.
Pros
Unlimited invoices, estimates and customers on the free tier.
Cons
US payroll only files for you in a limited set of states. Check yours first.
Ease of use
Value for money
Customer service
Functionality
12 found this helpful
Devon Hendricks
Office Manager, Foundry Road Studios
Canada·Legal·11 to 50 employees
3.0
Jul 12, 2024
LinkedIn confirmedUsed 1 to 2 years
Free has a ceiling and you will find it
Support is email and a forum, and the reply takes a few days. That is a fair trade at this price, but do not build a month end process that assumes someone will answer quickly.
Pros
Receipt scanning works well enough to keep shoeboxes empty.
Cons
There is no inventory, no project tracking and no multi currency.
Ease of use
Value for money
Customer service
Functionality
12 found this helpful
Gordon Tremblay
People Operations Lead, Clearview Windows
United States·Construction·51 to 200 employees
5.0
Jun 2, 2026
Verified userLinkedIn confirmedUsed less than 6 months
Real accounting at no cost
The invoicing is clean and clients pay by card from the invoice. I have used tools costing 40 dollars a month that did this worse.
Pros
Receipt scanning works well enough to keep shoeboxes empty.
Cons
You will outgrow it, and the migration will not be fun.
Ease of use
Value for money
Customer service
Functionality
11 found this helpful
Ursula Ghosh
Office Manager, Bluewater Consulting
United States·Marketing·11 to 50 employees
3.0
May 13, 2025
Verified userLinkedIn confirmedUsed 2 or more years
Free has a ceiling and you will find it
Support is email and a forum, and the reply takes a few days. That is a fair trade at this price, but do not build a month end process that assumes someone will answer quickly.
Pros
You can run several businesses from one login.
Cons
US payroll only files for you in a limited set of states. Check yours first.
Ease of use
Value for money
Customer service
Functionality
11 found this helpful
Mireille Prescott
People Operations Lead, Tidewater Marine Services
United States·Hospitality·1 to 10 employees
4.0
Apr 29, 2026
Verified userLinkedIn confirmedUsed 6 to 12 months
Real accounting at no cost
The invoicing is clean and clients pay by card from the invoice. I have used tools costing 40 dollars a month that did this worse.
Pros
Unlimited invoices, estimates and customers on the free tier.
Cons
There is no inventory, no project tracking and no multi currency.
Ease of use
Value for money
Customer service
Functionality
10 found this helpful
Aaron Dupont
Operations Manager, Northern Star Staffing
United States·Hospitality·1 to 10 employees
5.0
Apr 17, 2026
Verified userLinkedIn confirmedUsed 1 to 2 years
The right answer for a one person business
The invoicing is clean and clients pay by card from the invoice. I have used tools costing 40 dollars a month that did this worse.
Pros
Unlimited invoices, estimates and customers on the free tier.
Cons
You will outgrow it, and the migration will not be fun.
Ease of use
Value for money
Customer service
Functionality
10 found this helpful
Deepa Tremblay
People Operations Lead, Cedar & Vine Interiors
United States·Hospitality·1 to 10 employees
5.0
Dec 24, 2025
Verified userUsed 2 or more years
Real accounting at no cost
I run a one person consultancy and Wave does everything I need for nothing. Unlimited invoices, real double entry underneath, and my accountant can work with the export. I kept waiting for the catch and there is not one.
Pros
Receipt scanning works well enough to keep shoeboxes empty.
Cons
There is no inventory, no project tracking and no multi currency.
Ease of use
Value for money
Customer service
Functionality
10 found this helpful
Trisha Bergstrom
People Operations Lead, Blackstone Contracting
United States·Real estate·11 to 50 employees
4.0
Sep 23, 2025
Verified userUsed 6 to 12 months
T4 season was painless
The invoicing is clean and clients pay by card from the invoice. I have used tools costing 40 dollars a month that did this worse.
Pros
Receipt scanning works well enough to keep shoeboxes empty.
Cons
You will outgrow it, and the migration will not be fun.
Ease of use
Value for money
Customer service
Functionality
10 found this helpful
Portia Jorgensen
VP of Sales, Prairie Rose Bakery
United States·Software·1 to 10 employees
5.0
Jul 22, 2025
Verified userLinkedIn confirmedUsed 1 to 2 years
T4 season was painless
I run a one person consultancy and Wave does everything I need for nothing. Unlimited invoices, real double entry underneath, and my accountant can work with the export. I kept waiting for the catch and there is not one.
Pros
You can run several businesses from one login.
Cons
You will outgrow it, and the migration will not be fun.
Ease of use
Value for money
Customer service
Functionality
10 found this helpful
Spencer Prescott
Project Manager, Summit Physio
United States·Accounting·201 to 500 employees
5.0
Mar 28, 2025
Verified userLinkedIn confirmedUsed 6 to 12 months
Free and not crippled
I run a one person consultancy and Wave does everything I need for nothing. Unlimited invoices, real double entry underneath, and my accountant can work with the export. I kept waiting for the catch and there is not one.
Pros
The accounting and invoicing are genuinely free, not a limited trial.
Cons
Reporting is basic and exports are the answer to most non standard questions.
Ease of use
Value for money
Customer service
Functionality
10 found this helpful
Gwen Oyelaran
Bookkeeper, Coastline Outfitters
United States·Healthcare·201 to 500 employees
5.0
Oct 9, 2025
Used 6 to 12 months
Real accounting at no cost
Started here three years ago expecting to outgrow it in six months. Still here. If your business is genuinely small, this is not a compromise.
Pros
Canadian payroll handles T4, ROE, CPP and EI with automatic CRA remittance.
Cons
US payroll only files for you in a limited set of states. Check yours first.
Ease of use
Value for money
Customer service
Functionality
9 found this helpful
Sanjay Vaughn
Head of Operations, Blackstone Contracting
United States·Retail·500+ employees
5.0
Jun 16, 2025
Verified userUsed 1 to 2 years
The right answer for a one person business
Canadian payroll files our T4s and handles CPP, EI and the ROE when someone leaves. Remittance to CRA is automatic. For a five person shop in Alberta this is the whole job done for a fraction of what the big providers quoted.
Pros
Proper double entry underneath, so an accountant can work with it.
Cons
There is no inventory, no project tracking and no multi currency.
Ease of use
Value for money
Customer service
Functionality
9 found this helpful
Nadia Goodwin
HR Manager, Northern Star Staffing
United States·Real estate·1 to 10 employees
3.0
May 14, 2025
LinkedIn confirmedUsed 1 to 2 years
Free has a ceiling and you will find it
Support is email and a forum, and the reply takes a few days. That is a fair trade at this price, but do not build a month end process that assumes someone will answer quickly.
Pros
Receipt scanning works well enough to keep shoeboxes empty.
Cons
You will outgrow it, and the migration will not be fun.
Ease of use
Value for money
Customer service
Functionality
9 found this helpful
Sarah Kessler
Director of Finance, Copper Mountain Brewing
United States·Marketing·11 to 50 employees
4.0
Mar 14, 2025
Verified userLinkedIn confirmedUsed 6 to 12 months
Real accounting at no cost
The invoicing is clean and clients pay by card from the invoice. I have used tools costing 40 dollars a month that did this worse.
Pros
Receipt scanning works well enough to keep shoeboxes empty.
Cons
Reporting is basic and exports are the answer to most non standard questions.
Ease of use
Value for money
Customer service
Functionality
9 found this helpful
Tanya Ugwu
HR Manager, Copper Mountain Brewing
United States·Legal·1 to 10 employees
5.0
Feb 14, 2025
Verified userLinkedIn confirmedUsed 6 to 12 months
T4 season was painless
I run a one person consultancy and Wave does everything I need for nothing. Unlimited invoices, real double entry underneath, and my accountant can work with the export. I kept waiting for the catch and there is not one.
Pros
Receipt scanning works well enough to keep shoeboxes empty.
Cons
There is no inventory, no project tracking and no multi currency.
United States
Canada