Finch vs Wave
Wave's free plan lost its bank feeds on June 1, 2026.
Finch does the same job for $0, for every business you own, with an AI bookkeeper that asks before it changes anything. Here is every difference, with sources.
Side by side
US list prices on October 18, 2026, before promotions. Checkmarks only where Finch is clearly ahead.
| Feature | Finch | Wave |
|---|---|---|
| Two businesses, per month | $0 | from $38 (Pro × 2) |
| Free plan | Everything, unlimited businesses | Manual entry only; bank connections moved to Pro on June 1, 2026 |
| Card payments | 2.9% + 30¢ (2.7% + 30¢ on Superpower) | 2.9% + 60¢ |
| Bank transfers | 0.8%, never more than $5 | 1% ($1 minimum) |
| AI bookkeeper | 100 free actions, then unlimited for $49/mo | None advertised |
| Undo any AI change | Yes, every change | Not applicable |
| Personal finances, same login | Included | Not offered |
Starter is manual entry only. Bank connections now need Pro at $19 a month.
Card payments cost 2.9% + 60¢, double the fixed fee.
Support is weekdays, 9:00 to 4:45 Eastern.
Wave plans
- Starter: $0/mo · Manual entry only
- Pro: $19/mo · Bank feeds, receipts
What switching gets you
An AI bookkeeper with undo
Finch AI files transactions, reads receipts and closes the month. Every change waits for your confirm, and every change can be undone.
Every business, one login
Unlimited businesses plus Personal, free. When one business pays for another, Finch books both sides.
Real double-entry books
21 reports, reconciliation, closed periods that never get rewritten, and every P&L line opens to its transactions.
Invoices customers like paying
Six templates, five languages, card, Apple Pay, Google Pay or bank transfer, estimates with deposits and autopay.
Finch vs Wave, answered
Is Finch really cheaper than Wave?
Finch's accounting is $0 for any number of businesses. Wave's cheapest paid plan is Pro at $19 a month, per business, at list price on October 18, 2026. Finch's optional Superpower AI is $49 a month plus $29 per additional business.
How do payment fees compare with Wave?
Wave charges 2.9% + 60¢ for cards and 1% ($1 minimum) for bank transfers. Finch charges 2.9% + 30¢ for cards (2.7% + 30¢ on Superpower AI) and 0.8% for bank transfers, never more than $5.
Can I run several businesses in Finch instead of separate Wave accounts?
Yes. Pro is priced per business on Wave. Finch puts every business you own, plus your Personal finances, under one login for $0, with a who-owes-whom report between them.
What does Wave have that Finch doesn't?
Finch doesn't run payroll or track time yet, and there's no one-click import from other apps. You start with opening balances and up to 24 months of bank history.