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Head-to-head · Billing And Invoicing Software

Wave vs Zoho Billing

  • Updated Oct 2026
  • Both researched from official sources
  • 2 checks side by side
Higher score Wave #3 in Billing And Invoicing Software 9.1/10 Free plan Free plan✓ 1 of 5 features Visit Wave
Zoho Billing #7 in Billing And Invoicing Software 8.7/10 14-day trial Free trial✓ 0 of 5 features Visit Zoho Billing

Wave leads on 1 check, Zoho Billing on 0, and 1 is even. Who comes out ahead on the 2 yes/no, price and count checks where we have data for both products. The editor score weighs everything else too.

Our verdict

  • Highest scoreWave · 9.1/10
  • Free planonly Wave
  • Free trialonly Zoho Billing
  • Most featuresWave · 1 of 5

Wave scores higher on our rubric for billing and invoicing software: 9.1 against 8.7 out of 10; our editors rank them #3 and #7.

Wave offers free plan; Zoho Billing doesn't.

Wave is the better fit for small businesses needing free invoicing and bookkeeping. Zoho Billing is the better fit for businesses wanting invoicing in a broader suite.

  • Wave fits best

    Small businesses needing free invoicing and bookkeeping

  • Zoho Billing fits best

    Businesses wanting invoicing in a broader suite

Advertiser disclosure: iTechGuides is reader-supported. Vendors can pay for top positions in our rankings and for a place on other products' pages, and we may earn a commission when you click some links. Bought places stand at the number bought; this page and our disclosure say so. Paying vendors may get a fuller, more detailed review from our editors, and that review can change their score. How we rank.

Side by side

Feature Wave 9.1/10 Visit ↗ Zoho Billing 8.7/10 Visit ↗
At a glance
Editor score 9.1 8.7
Ranking #3 in Billing And Invoicing Software #7 in Billing And Invoicing Software
Best for Small businesses needing free invoicing and bookkeeping Businesses wanting invoicing in a broader suite
Pricing model Free plan + paid Paid
Starting price $190/yr $39/mo
Free plan ✓ (best) —
Free trial — 14 days
Deployment Cloud, Mobile Cloud, Mobile
Platforms Web, iOS, Android Web, iOS, Android
Integrations 1 integrations 12 integrations
Features Wave 1/5 · Zoho Billing 0/5
Recurring billing Not checked yet Not checked yet
Payment processing Not checked yet Not checked yet
Tax calculation Not checked yet Not checked yet
Expense tracking ✓ (best) Not checked yet
Mobile apps Not checked yet Not checked yet
Specs
Monthly invoice limit Not checked yet Not checked yet
Included team seats Not checked yet Not checked yet
Our review
Pros
  • Free Starter plan includes unlimited estimates, invoices, bills, and records
  • Recurring invoices, reminders, and mobile invoicing support everyday billing
  • Pro adds bank imports, expense tracking, and receipt capture
  • Create quotes and invoices with multi-currency transactions
  • Automate payment reminders and offer a customer self-service portal
  • Premium adds subscription and usage-based billing capabilities
Cons
  • Online payments are optional and incur transaction fees
  • Pro is $19 per month or $190 per year
  • Plaid is the only listed integration
  • Standard is limited to up to 3 users
  • Subscription and usage-based billing require the $79 Premium plan
  • Standard starts at $39 per organization monthly, billed annually
Our verdict

Wave brings invoicing, estimates, customer and payment tracking, and bookkeeping together for small business owners, including freelancers and contractors. The free Starter plan supports unlimited estimates, invoices, bills, and…

Read the review →

Zoho Billing brings quotes, invoices, payment collection, subscription management, and expense and project tracking into one service. It is aimed at businesses that want billing as part of a broader business suite, including companies that…

Read the review →
  1. WaveBilling And Invoicing Software 9.1Free plan
  2. Zoho BillingBilling And Invoicing Software 8.714-day trial

Strengths and trade-offs

  • Wave — where it wins

    • Free Starter plan includes unlimited estimates, invoices, bills, and records
    • Recurring invoices, reminders, and mobile invoicing support everyday billing
    • Pro adds bank imports, expense tracking, and receipt capture

    Where it doesn't

    • Online payments are optional and incur transaction fees
    • Pro is $19 per month or $190 per year
    • Plaid is the only listed integration

  • Zoho Billing — where it wins

    • Create quotes and invoices with multi-currency transactions
    • Automate payment reminders and offer a customer self-service portal
    • Premium adds subscription and usage-based billing capabilities

    Where it doesn't

    • Standard is limited to up to 3 users
    • Subscription and usage-based billing require the $79 Premium plan
    • Standard starts at $39 per organization monthly, billed annually
  • Wave9.1/10 · Free plan

    A useful free invoicing and bookkeeping starting point, with paid automation for growing workflows.

    Visit WaveFull verdict →
  • Zoho Billing8.7/10 · 14-day trial

    A broad invoicing suite with multi-currency billing, reminders, and subscription tools.

    Visit Zoho BillingFull verdict →

More comparisons

All billing and invoicing software comparisons → · Full ranking →

Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026

Last updated · How we research and update