![]() ![]() Wave's free status is a strong selling point for freelancers and other very small businesses, for whom every dollar matters.Įvery other sole proprietor-appropriate application we reviewed here charges for basic accounting. ![]() The remaining states are self-serve, which means you must pay and file your payroll taxes yourself, though Wave does all the necessary calculations for those states, it costs $20 per month plus $6 for each employee or contractor. Wave Payroll is available for a $40 per-month base fee, plus $6 per month for each employee or contractor if you are in one of the 14 states supported by automatic tax payments and filing (listed a little later). Bank payments (ACH) are charged 1% per transaction with a $1 minimum fee. Credit card processing costs 2.9% plus 60 cents per transaction, and a little more than that for American Express (3.4% plus 60 cents per transaction). Wave's primary accounting features are absolutely free. As mentioned, you only pay if you add payments and payroll, both of which are optional.
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