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Wave
Accounting
Xero
Accounting

Wave vs Xero 2026

Last updated: May 17, 2026

Quick Verdict

Wave and Xero are closely matched with similar ratings (4.5 vs 4.4). Wave is more affordable at $0/mo vs $13/mo. Both are strong options in the Accounting category. Choose based on your specific needs, team size, and feature priorities.

Wave

Starting Price
$0/mo
Free Tier
Available
Overall Rating
4.5/ 5.0
Integrations
50
Mobile App
Yes

Xero

Starting Price
$13/mo
Free Tier
Not Available
Overall Rating
4.4/ 5.0
Integrations
1000
Mobile App
Yes

Feature Comparison

FeatureWaveXero
invoicing
expense tracking
payrollpaidpaid
tax preparation
bank reconciliation
financial reports
inventory tracking
multi currency

Best For

Wave
  • Solopreneurs and microbusinesses on tight budgets
  • Service businesses with simple accounting needs
  • Freelancers wanting free invoicing and expenses
Xero
  • International businesses needing multi-currency
  • Companies wanting clean, modern interface
  • Businesses with inventory management needs

Limitations

Wave
  • Limited features compared to paid tools
  • Revenue from payment processing fees
  • Basic reporting capabilities
Xero
  • Payroll is separate subscription
  • Limited US-specific features vs QuickBooks
  • Fewer integrations than QuickBooks

People Also Ask

What is the main difference between Wave and Xero?

Wave is best for solopreneurs and microbusinesses on tight budgets, with a starting price of $0/mo and a 4.5/5 rating. Xero excels at international businesses needing multi-currency, starting at $13/mo with a 4.4/5 rating. The key differences lie in their feature sets and target audiences.

Which is cheaper: Wave or Xero?

Wave is more affordable, with Wave starting at $0/mo and Xero at $13/mo. Wave offers a free tier, while Xero does not. Consider your team size and required features when calculating total cost.

Can I use Wave and Xero together?

Yes, many teams use both Wave and Xero together as they serve different aspects of accounting. Wave offers 50 integrations and Xero has 1000 integrations, which may include direct integration between the two platforms or through tools like Zapier.

Which has better customer support: Wave or Xero?

Xero has better customer support ratings at 4.2/5 compared to Wave's 3.9/5. Support quality often varies by pricing tier, so check what's included in your chosen plan.

Is it easy to switch from Wave to Xero?

Switching from Wave to Xero typically involves data export, migration planning, and team training. Most accounting tools offer data export features, and Xero likely provides import tools or migration assistance. Plan for 2-4 weeks of transition time depending on your data volume and team size. Consider running both tools in parallel during the transition period.

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