Wave vs Zoho Invoice (October 2026)
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Wave
Free invoicing and accounting for small businesses, with a low-cost Pro plan for bank import and automation.
Visit WaveZoho Invoice
Completely free invoicing app from Zoho, with quotes, payment reminders and a client portal.
Visit Zoho InvoiceVerdict. Zoho Invoice is free, with no paid plan; Wave's paid plans start at USD 19.00. Wave confirms 3 of our 3 key features; Zoho Invoice confirms 1.
Side by side
| Feature | Wave | Zoho Invoice |
|---|---|---|
| Cheapest paid plan | Pro: USD 19 per month | — |
| Other plan or fee | Starter: Free | Free |
| Free plan or trial | Yes | Yes |
| Free plan | Yes | Yes |
| Automatic bank import | Yes | Not confirmed |
| Unlimited invoices | Yes | No |
| Number of plans listed | 2 | 1 |
| Our score | 100/100 (#1 of 4) | 55/100 (#4 of 4) |
| Best for | Lowest entry price | Best free starting point |
| A year on the cheapest paid plan | USD 190 (billed yearly) | — |
| Notes | Card payments 2.9% + USD 0.60 per transaction | — |
Shaded cells mark the lower price. Sources: Wave, Zoho Invoice.
Which to choose
Choose Zoho Invoice if you want it free.
Choose Wave if you need automatic bank import.
See all options: best invoicing and accounting apps.
More: Wave pricing, Wave alternatives, QuickBooks Online vs Wave, FreshBooks vs Wave, Zoho Invoice pricing, Zoho Invoice alternatives.