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Head-to-head · Google Workspace for Finance Software

Apptivo Expenses vs Wave

  • Updated Sep 2026
  • Both researched from official sources
  • 6 checks side by side
Higher score Apptivo Expenses #5 in Google Workspace for Finance Software 7.3/10 Free plan · 14-day trial Free plan✓ 5 of 5 features Visit Apptivo
Wave #7 in Google Workspace for Finance Software 7.1/10 Free plan · paid from $19/mo Free plan✓ 0 of 5 features Visit Wave

Apptivo Expenses leads on 5 checks, Wave on 0, and 1 is even. Who comes out ahead on the 6 yes/no, price and count checks where we have data for both products. The editor score weighs everything else too.

Our verdict

  • Highest scoreApptivo Expenses · 7.3/10
  • Free planboth
  • Most featuresApptivo Expenses · 5 of 5

Apptivo Expenses scores higher on our rubric for google workspace for finance software: 7.3 against 7.1 out of 10; our editors rank them #5 and #7.

Apptivo Expenses offers bank-feed sync; Wave doesn't publish it. Apptivo Expenses offers approval workflows; Wave doesn't publish it. Apptivo Expenses offers automation rules; Wave doesn't publish it. Apptivo Expenses offers api access; Wave doesn't publish it. Apptivo Expenses offers audit trail; Wave doesn't publish it.

Apptivo Expenses is the better fit for teams managing expenses across devices. Wave is the better fit for small businesses needing broad accounting.

  • Apptivo Expenses fits best

    Teams managing expenses across devices

  • Wave fits best

    Small businesses needing broad accounting

Advertiser disclosure: iTechGuides is reader-supported. We may earn a commission when you click some links. How we rank.

Side by side

Feature Apptivo Expenses 7.3/10 Visit ↗ Wave 7.1/10 Visit ↗
At a glance
Editor score 7.3 7.1
Ranking #5 in Google Workspace for Finance Software #7 in Google Workspace for Finance Software
Best for Teams managing expenses across devices Small businesses needing broad accounting
Pricing model Free plan + paid Free plan + paid
Starting price Not published Not published
Free plan ✓ ✓
Free trial — —
Deployment Cloud, Mobile Cloud, Mobile
Platforms Web, iOS, Android Web, iOS, Android
Integrations 6 integrations 1 integrations
Features Apptivo Expenses 5/5 · Wave 0/5
Bank-feed sync ✓ (best) Not published
Approval workflows ✓ (best) Not published
Automation rules ✓ (best) Not published
API access ✓ (best) Not published
Audit trail ✓ (best) Not published
Specs
Finance function Expense Not published
Accounting integrations Not published Not published
Our review
Pros
  • Mobile receipt capture with bank and card transaction sync
  • Single- and multi-level approvals with reimbursement status tracking
  • Ledger links, accounting rules, audit history, and REST API access
  • 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
  • No dedicated desktop client beyond web access
  • QuickBooks connectivity is provided through IIF export
  • Higher tiers bundle many apps and workflows beyond expenses
  • 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

Apptivo Expenses is an expense-reporting app for employees, managers, and finance teams. Staff can enter expenses with customizable fields, capture receipts on mobile, sync transactions from connected bank accounts or credit cards, and…

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 →
  1. Apptivo ExpensesGoogle Workspace for Finance Software 7.3Free plan · 14-day trial
  2. WaveGoogle Workspace for Finance Software 7.1Free plan · paid from $19/mo

Strengths and trade-offs

  • Apptivo Expenses — where it wins

    • Mobile receipt capture with bank and card transaction sync
    • Single- and multi-level approvals with reimbursement status tracking
    • Ledger links, accounting rules, audit history, and REST API access

    Where it doesn't

    • No dedicated desktop client beyond web access
    • QuickBooks connectivity is provided through IIF export
    • Higher tiers bundle many apps and workflows beyond expenses

  • 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.
  • Apptivo Expenses7.3/10 · Free plan · 14-day trial

    Expense workflows combine receipt capture, bank sync, approvals, and reimbursements across devices.

    Visit ApptivoFull verdict →
  • Wave7.1/10 · Free plan · paid from $19/mo

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

    Visit WaveFull verdict →

More comparisons

All google workspace for finance software comparisons → · Full ranking →

Reviewed by iTechGuides Editors · Editorial team · Updated Sep 2026

Last updated · How we research and update