Is Accoru a good Wave alternative?

If you need inventory, team roles or quotes that clients accept online, yes. Accoru costs $9 a month, $85 a year or $99 once for 5 years. If Wave's free Starter plan covers what you need, Wave costs less.

Wave's Starter plan is free. As of November 2026, Wave Pro costs $19 a month or $190 a year in US dollars. Payroll and payment processing are charged separately.

How much would I save over 5 years compared with Wave Pro?

Wave Pro paid yearly costs $950 over 5 years, or $1,140 paid monthly. Accoru's 5-Year Pass costs $99 for the same period, a difference of $851 against yearly Pro.

Does Wave have inventory tracking?

Wave's own comparison page says it does not offer inventory tracking. Accoru includes items and inventory, with on-hand quantities that adjust as invoices and bills use them.

What does Wave charge for card payments?

Wave lists 2.9% + 60¢ for Visa, Mastercard and Discover and 3.4% + 60¢ for American Express. On Pro, the first 10 card transactions each month skip the 60¢. Bank payments cost 1%, with a $1 minimum. Accoru adds no fee; Stripe or PayPal charge their usual fees.

Can I invite my accountant to Wave?

Only Wave Pro subscribers can invite collaborators. In Accoru, you can invite your accountant with the accountant role on the standard plan.

Does Accoru import bank transactions automatically?

No. Accoru has bank and cash accounts with deposits, withdrawals and transfers, but it does not import bank transactions automatically. Wave Pro does.

Accoru vs Wave

A side-by-side look at price, payment fees and features, for freelancers and small businesses deciding between the two.

By the Accoru team Updated Nov 14, 2026 Wave prices checked November 2026

The short answer

Wave's Starter plan is free, so if it covers what you need, it costs less than Accoru. Wave Pro is $19 a month or $190 a year and adds automatic bank imports, receipt scanning and collaborators. Accoru costs $9 a month, $85 a year, or $99 once for 5 years, with inventory, team roles, quotes and a client portal on one plan. Choose Wave for free invoicing and bookkeeping or automatic bank imports. Choose Accoru if you need inventory or want your team and accountant in without a paid upgrade.

Side-by-side comparison

	Accoru	Wave
Starting price	$9 / month	Free (Starter)
Paid plan	$9 / month	Pro: $19 / month or $190 / year
Ways to pay	Monthly, yearly, or $99 once for 5 years	Pro: monthly or yearly
Number of plans	1, with every feature	2: Starter and Pro
Users and collaborators	Team invites with admin, accountant and viewer roles	Inviting collaborators needs Pro
Inventory tracking	Included	Not offered
Multi-currency	Included, 50+ currencies with daily rates	Foreign-currency invoices and bills
Customer card payments	Your own Stripe or PayPal, no Accoru fee	2.9% + 60¢ (Visa, Mastercard, Discover), 3.4% + 60¢ (Amex); Pro skips the 60¢ on the first 10 card payments a month
Automatic bank imports	Not offered	Pro
Receipt scanning	Not offered	Pro
Payroll	Not offered	Paid add-on

Wave prices are US-dollar list prices from Wave's pricing page, and fees from Wave's help centre, checked November 14, 2026. Wave is built for US and Canadian businesses; Canadian prices differ. Prices change, so check the current page before you decide.

Wave plans, explained

Wave has two plans. Starter is free and covers invoicing and bookkeeping. Pro includes everything in Starter plus automatic bank imports, receipt scanning, lower card fees on your first 10 card payments each month, and the ability to invite collaborators. Wave also lists recurring invoices and automatic payment reminders among its Pro features. Payroll is a separate paid add-on.

Accoru has one plan. Every user gets the same 19 features, including inventory and team roles, from the first month.

Wave plan	Price	Collaborators	Bank imports	5 years
Starter	$0	—	—	$0
Pro, paid monthly	$19/mo	Included	Included	$1,140
Pro, paid yearly	$190/yr	Included	Included	$950
Accoru (all features)	$9/mo	Team roles	Not offered	$99

Work out what you'd pay

Wave Starter is free, so the calculator compares Accoru with Wave Pro. Pick how you'd pay for Pro and how long you expect to use it. The Accoru figure uses whichever of its three options is cheapest for that period.

Wave Pro billing

Years

You'd save with Accoru $851 over 5 years, compared with Wave Pro, yearly

Accoru · 5-Year Pass$99

Wave Pro, yearly$950

Wave Pro at its US-dollar list price. Wave Starter is free and is not shown here. Payroll, payment fees and taxes excluded.

Which one is right for you?

Choose Accoru if you

✓need inventory tracking. Wave doesn't offer it
✓want to invite your team or accountant with set roles without a paid upgrade
✓send quotes that clients can accept online and turn into invoices
✓want to pay once and cover 5 years of accounting for $99
✓want customers to pay through your own Stripe or PayPal account, with no Accoru fee on top

Wave may suit you better if you

•work alone and Wave's free Starter plan covers your invoicing and bookkeeping. It costs nothing
•want bank transactions imported automatically (Wave Pro). Accoru doesn't connect to banks
•want to scan receipts from your phone (Wave Pro)
•want to run payroll from the same product (Wave offers it as a paid add-on)

How Accoru handles the everyday work

The jobs most Wave users do every week, and how each one works in Accoru.

Quotes and invoices

Send branded quotation PDFs that clients accept or decline from a public link, then convert an accepted quote to an invoice in one click. Invoices support per-line discounts and taxes, shipping, part-payments, credit notes and write-offs, with email delivery tracking.

Features: Quotations · Invoices

Getting paid

Connect your own Stripe or PayPal account. Clients pay by card or PayPal from the invoice, the money goes straight to you, and the invoice is marked paid automatically. Accoru adds no fee per payment; Stripe or PayPal charge their usual processing fees. You can also record partial payments and allocate one payment across several invoices.

Features: Online Invoice Payments · Payments

Banking

Keep multiple bank and cash accounts with deposits, withdrawals and transfers, linked to your payments and bills, with a running balance that ties back to the ledger. Transactions are recorded in Accoru rather than pulled from your bank, which is the main difference from Wave Pro's automatic bank imports.

Features: Banking

Recurring billing

Set a schedule once and Accoru creates recurring invoices, bills and expenses on its daily run, then sends automatic payment reminders.

Features: Recurring & Subscriptions

Multi-currency and tax

Invoice in 50+ currencies with exchange rates updated daily, and report in your base currency. Set custom, inclusive, exclusive or compound tax rates and apply them per line, item or document. Both are on the standard plan.

Features: Multi-currency · Taxes

Ledger, reports and your accountant

Every transaction posts to a double-entry general ledger with an editable chart of accounts, manual journals and a built-in trial balance. Reports include P&L, balance sheet, AR / AP aging and cash flow, and you can share read-only report links. Invite your accountant with the accountant role; every action is logged.

Features: General Ledger · Reports · Team & Roles

Included in every Accoru plan

There are no feature tiers. These are a few of the 19 features you get from day one.

See all features →

✓Quotations with online accept / decline
✓Invoices with public pay links
✓Recurring invoices, bills & expenses
✓Stripe & PayPal payments, no Accoru fee
✓Bank & cash accounts
✓Double-entry ledger & manual journals
✓P&L, balance sheet, AR / AP aging
✓Items & inventory
✓50+ currencies, daily FX rates
✓Client portal
✓10 PDF templates
✓Admin, accountant & viewer roles

Moving from Wave to Accoru

Accoru has no import tool, so you set your books up by hand, using your Wave records as the reference. Most small businesses switch at the start of a month or quarter, so the opening balances are clean. If you get stuck, email support@accoru.com and a person will help.

1Set up your companyAdd your logo, brand color, tax IDs, default terms and document numbering in Company Settings.
2Recreate your chart of accountsKeep your Wave chart of accounts open as a reference and set up the same accounts in Accoru's editable chart of accounts.
3Enter opening balancesPost your opening balances as a manual journal entry, then check them against the trial balance.
4Add customers, vendors and itemsSet up your contacts and your products and services catalogue with prices and tax rates.
5Connect payments and bankingLink your Stripe or PayPal account and add your bank and cash accounts. You're ready to send your first invoice.

How we compared

This page is published by Accoru, so we have an interest in the outcome. We kept to facts that can be checked on Wave's own website and help centre: US-dollar list prices, payment fees and which plan a feature is on. Wave serves US and Canadian businesses; we used its US prices. Where Wave is the better fit, we say so.

Sources: Wave pricing: Starter and Pro plans and prices, what Starter includes

Wave: Pro Plan subscription fees: Pro at US$19 a month or US$190 a year

Wave Pro: automatic bank imports, receipt scanning, recurring invoices, payment reminders

Wave online payments fees: card and bank payment fees, Pro discount, US and Canada availability

Wave: inviting collaborators: collaborators need Pro

Wave: foreign currency invoices and bills: multi-currency

Wave vs ZipBooks (Wave's comparison page): no inventory tracking

Wave payroll: payroll as a separate paid add-on

Accoru's own pricing and features pages
Last checked: Wave figures checked November 2026 (November 14, 2026)
Spotted something out of date?: Email support@accoru.com and we'll correct it.