Moxie vs Wave
We give Moxie and Wave the same GPA: 2.4 out of 4.0. Moxie grades higher on value for money. Wave grades higher on the free plan. They get the same grade on features, ease of use and platforms.
Price, platforms and features side by side. The table says where each price was read and when.
Moxie
Freelance business app: clients, projects, invoices and basic books
Wave
Free invoicing and bookkeeping for US and Canadian small businesses
How we grade them
| 2.4GPAMoxieFair | 2.4GPAWaveFair | |
|---|---|---|
| Value for money | BStarter is $10 a month billed yearly or $12 monthly, inside the cheaper quarter of accounting tools at $15, and it already invoices, tracks time and sends proposals and contracts. Syncing with QuickBooks needs Pro at $20 billed yearly. | CPro is $19 a month, or $190 a year, between the cheaper quarter of accounting tools at $15 and the middle at $23. It buys bank feeds, receipt capture, late reminders and lower card fees. Fair, not a steal. |
| Free plan and trial | CA 14-day free trial, and the listing doesn't say whether it needs a card. There's no free plan, though Moxie offers scholarships by location or need. | BStarter is free with unlimited invoices, estimates, bills and bookkeeping records, plus a dashboard and reports. One person could live on that. The catch is typing in bank transactions by hand, because bank feeds need Pro. |
| Features | CClients, projects, proposals, contracts, time tracking, invoices with card, PayPal or ACH payments, forms, scheduling and a pipeline. As accounting it's basic income and expense tracking, though, and Moxie itself suggests QuickBooks to finish the books. | CInvoices, online payments, bookkeeping, bank feeds, receipt scanning and payroll as an add-on. The basics are there, but the listing shows no time tracking, projects or inventory, and Wave serves only US and Canadian businesses. |
| Ease of use | CNo store rating on record. There's a fair bit to set up before it pays off: clients, projects, proposal and contract templates, and a bank connection. | C4.37 from 6,664 App Store ratings, which is decent but below most accounting apps here. Live chat and email support come only with Pro or a paid add-on, on weekdays. |
| Platforms and integrations | BWeb, iPhone and Android, where the app is called Hectic, with Stripe, PayPal, Plaid, QuickBooks, Outlook, Zapier and Make. There's no desktop app, which keeps it off an A. | BWeb, iPhone and Android, with connections to Amazon, Etsy, eBay, Google Sheets, Capsule CRM and Make. Most third-party integrations need Pro, and there's no desktop app. |
| Best for | freelancers who want clients and invoices in one app | free invoicing and books in the US or Canada |
The GPA is the average of the five grades: an A is 4 points, an F is none. The full reasons are on each tool's page: Moxie and Wave. How we grade
Price against what you get
Moxie starts at $10 a month and scores 2.3 out of 4 on features, ease of use and platforms. Wave starts at $19 a month and scores 2.3.
They score the same, and Moxie starts $9 a month lower. Of the other accounting and invoicing tools on the chart, 3 score higher than Moxie for less, and 5 score higher than Wave for less.
Features, ease of use and platforms, averaged
What paid plans start at, a month (each step along is roughly double) →
- The best score at each price
- Has a free plan
- No free plan
Where they differ
- Moxie starts at $10 per month, billed annually ($12 billed monthly). Wave starts at $19 per month, billed monthly.
- Wave has a free plan. Moxie does not, though it has a free trial.
- Moxie also covers booking links, sales pipeline, time tracking and forms.
- Wave also covers reports, bookkeeping and payroll.
At a glance
| Moxie | Wave | |
|---|---|---|
| Pricing | Free trial | Free plan |
| Starts at | $10 per month, billed annually ($12 billed monthly) | $19 per month, billed monthly |
| Free plan | None | Starter plan: unlimited estimates, invoices, bills and bookkeeping records, a dashboard and reports, and invoicing in the mobile app. Bank transactions are entered by hand. |
| Free trial | 14-day free trial | None listed |
| Web | ||
| iOS | ||
| Android | ||
| Made by | Moxie | Wave Financial Inc. |
| Price read from | withmoxie.com | waveapps.com |
| Checked | Oct 17, 2026 | Oct 17, 2026 |
Who each one suits
Moxie
- Solo freelancers who want clients, projects and invoices in one app
- Small creative agencies of up to five people
- Freelancers who track time and bill expenses back to clients
Wave
- Sole proprietors in the US or Canada who mainly need to send invoices
- New businesses that want free bookkeeping before paying for bank feeds
- Owners who would rather hand the books to a bookkeeper
Worth knowing
Moxie
- The accounting is basic income and expense tracking; Moxie suggests QuickBooks to finish the books, and that sync needs Pro.
- There is no free plan; Teams covers at most five team members, though project collaborators are unlimited.
- The Communicator phone line works in the US, Canada and the UK only, and needs Pro or Teams.
- The mobile app is listed in the App Store and Google Play under the name Hectic.
Wave
- Wave describes itself as serving businesses in the US and Canada, and its pricing page shows prices only in US and Canadian dollars.
- Payroll costs $40 a month in the US plus $6 per active employee and $6 per contractor paid (Canada: $25 CAD base).
- Bank feeds, automatic reminders and most third-party integrations need Pro; Starter has no bank import.
- Live chat and email support come only with Pro or a paid add-on, Monday to Friday, 9 AM to 4:45 PM Eastern.
Key features
Moxie
- Invoices and payments
- Turn tracked time and expenses into invoices, with recurring invoices, reminders and late fees. Clients pay by card, PayPal or ACH through Stripe or PayPal.
- Income and expense tracking
- Connect a bank or card through Plaid so expenses fill in, attach receipts and bill costs back to clients. Pro syncs with QuickBooks.
- Proposals and contracts
- Send proposals, quotes and contracts to clients from templates, on every plan.
- Projects and time tracking
- Plan deliverables, track time on the web or phone, and add project collaborators, unlimited from Pro.
- Client portal and inbox
- A client portal, white-labeled from Pro, plus a combined calendar and inbox that connects Google, iCal and Outlook.
- Scheduling, forms and pipeline
- Meeting schedulers, a form builder and a sales pipeline for leads are included from Starter.
Wave
- Invoices and estimates
- Unlimited invoices and estimates on the free plan. Pro removes Wave branding, adds reusable message templates and sends automatic late payment reminders.
- Online payments
- Customers pay invoices by card or bank payment once online payments are approved; deposits can be collected through estimates.
- Bookkeeping and bank feeds
- Unlimited bookkeeping records on every plan. Pro imports bank transactions through Plaid, then merges and categorizes them.
- Receipt capture
- Receipts uploaded from the mobile app, desktop or email become records by OCR. Included in Pro, or $8 a month on Starter.
- Wave Payroll
- Pays employees and contractors, with tax filing in all 50 US states and CRA remittances in Canada. A separate add-on.
- Wave Advisors
- Wave's in-house bookkeepers can keep the books for you or coach you to do them yourself, from $149 a month.
Plans
Moxie
Starter$10
per month, billed annually ($12 billed monthly)
$120 a year. Clients, projects, invoicing and payments, proposals and contracts, time tracking, pipeline, basic accounting, forms and scheduling.
Pro$20
per month, billed annually ($25 billed monthly)
$240 a year. Adds a custom domain, white-label client portal, ticketing, automations, a phone line, API and Zapier access and QuickBooks sync.
Teams$32
per month for up to 5 members, billed annually ($40 billed monthly)
$385 a year. Everything in Pro for up to five team members, with one more phone line and access levels for an accountant or partner.
Wave
Starter$0
Unlimited invoices, estimates, bills and records. Card payments cost 2.9% plus $0.60 each, and bank transactions are not imported automatically.
Pro$19
per month, billed monthly
Bank feeds with auto-categorizing, unlimited receipt capture, late payment reminders, more users and card fees of 2.9% with no fixed fee on the first 10 a month.
Wave Advisors$149
per month and up
Pro features plus a dedicated bookkeeper who keeps the books and prepares monthly financial statements. Mobile receipts are not included.
Ways to pay less
Moxie
- Annual discount
Save up to 20% with annual billing
Paying yearly costs $120 for Starter, $240 for Pro and $385 for Teams, against $12, $25 and $40 a month billed monthly.
- By country
Scholarships by location or need
Moxie offers location-based scholarships to freelancers in countries the World Bank rates low or lower-middle income, and need-based help elsewhere on request.
Wave
- Annual discount
Save $38 with annual Pro billing
Pro costs $190 a year when billed annually, against $228 for twelve monthly payments of $19.
