Flow vs Wave

Flow8.4Visit Wave8.0Visit

Higher score Flow #4 in Google Workspace for Finance Software 8.4/10 Pricing on request ✓ 0 of 5 features Visit Flow

vs

Wave #5 in Google Workspace for Finance Software 8.0/10 Free plan Free plan✓ 0 of 5 features Visit Wave

• Flow fits best

  Multi-entity accounting operations

• Wave fits best

  Small businesses needing broad accounting

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Side by side

Feature	Flow 8.4/10 Visit ↗	Wave 8.0/10 Visit ↗
At a glance
Editor score	8.4	8.0
Ranking	#4 in Google Workspace for Finance Software	#5 in Google Workspace for Finance Software
Best for	Multi-entity accounting operations	Small businesses needing broad accounting
Pricing model	Paid	Free plan + paid
Starting price	Pricing on request	$190/yr
Free plan	—	✓ (best)
Free trial	—	—
Deployment	Cloud	Cloud, Mobile
Platforms	Web	Web, iOS, Android
Integrations	14 integrations	1 integrations
Features Flow 0/5 · Wave 0/5
Bank-feed sync	Not checked yet	Not checked yet
Approval workflows	Not checked yet	Not checked yet
Automation rules	Not checked yet	Not checked yet
API access	Not checked yet	Not checked yet
Audit trail	Not checked yet	Not checked yet
Specs
Finance function	Not checked yet	Not checked yet
Accounting integrations	Not checked yet	Not checked yet
Our review
Pros	Consolidated reporting with transaction-level intercompany eliminations Multi-currency revaluation and translation across entities Real-time integrations with finance and operational tools	Starter includes unlimited invoices, estimates, bills, and bookkeeping records. Pro adds automatic bank imports, transaction categorization, and expense tracking. Create and send invoices from web, iOS, and Android apps.
Cons	Pricing is tailored and requires contacting sales Available on the web only Its focus on multi-entity operations may exceed a single-entity team's needs	Online payments are optional and carry transaction fees. Pro costs $19 monthly, or $190 with annual billing. Its listed integration is Plaid, limiting its appeal for broad ecosystem fit.
Our verdict	Flow combines accounting, accounts payable and receivable, consolidation, reporting, and intercompany workflows in a cloud platform for growing businesses that manage multiple entities. Its accounting structure supports shared charts of… Read the review →	Wave brings invoicing, payments, and bookkeeping together for small businesses, including freelancers and contractors. Its free Starter plan covers unlimited estimates, invoices, bills, and bookkeeping records, along with a cash-flow and… Read the review →

Strengths and trade-offs

• Flow — where it wins

  • Consolidated reporting with transaction-level intercompany eliminations
  • Multi-currency revaluation and translation across entities
  • Real-time integrations with finance and operational tools

  Where it doesn't

  • Pricing is tailored and requires contacting sales
  • Available on the web only
  • Its focus on multi-entity operations may exceed a single-entity team's needs

• Wave — where it wins

  • Starter includes unlimited invoices, estimates, bills, and bookkeeping records.
  • Pro adds automatic bank imports, transaction categorization, and expense tracking.
  • Create and send invoices from web, iOS, and Android apps.

  Where it doesn't

  • Online payments are optional and carry transaction fees.
  • Pro costs $19 monthly, or $190 with annual billing.
  • Its listed integration is Plaid, limiting its appeal for broad ecosystem fit.

• Flow8.4/10 · Pricing on request

  Flow brings multi-entity accounting, intercompany workflows and AI-assisted reconciliation together.

  Visit FlowFull verdict →
• Wave8.0/10 · Free plan

  Free invoicing and bookkeeping basics, with paid tools for bank imports and expense tracking.

  Visit WaveFull verdict →