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Cashflowy vs Wave
One is built for clarity.
The other is built for basic bookkeeping.
Built for solo businesses > No enterprise complexity.
An easy way to understand your numbers, be tax-ready, and get paid faster.
24/7 AI Bookkeeper > that answers all your financial
questions, in plain English and accurately.
No manual entry or human bookkeeper > Your transactions are categorized automatically, accurately, and instantly.
Why solopreneurs choose Cashflowy
We help you make more money.
Cashflowy shows you exactly where to focus so every decision drives more profit.
Set up in 15 minutes.
No finance degree or tech skills required.
One-click invoicing.
Create professional invoices in 2 minutes & get paid faster with one-click pay.
Simple, visual dashboard.
Designed for you to truly understand your cash flow.
Plain-English reports.
That tell you what’s working (and what’s not).
USD 297/year, all-in.
USD 0.81 a day. No add- ons or surprise fees. One simple plan that includes everything you need.
Unlimited Users.
Invite your VA, spouse, business partner, and tax professional. No extra fees.
Access to a human accountant.
Our entire customer service team is made up of accountants.
How we compare
Financial Coach
Cashflow Tracker
AI Assistant
Accountant support
Team Access
Plans
Transaction categorization
Bookkeeper
Wave
X
X
X
Starts at $249
Extra access only on Pro
Tiered subscription
model + add-ons
Automated only on Pro
($149 a month)
Cashflowy
Make data-driven decisions
with your AI coach
Know what’s coming in
and out instantly
Accurate, instant answers
to all your money Qs
Meet with an account twice a year.
Free of charge.
Unlimited
One plan. Everything included.
No add-ons.
Accurate, instant
automated categorization
You don’t need one
Financial Coach
Wave
X
vs.
Cashflowy
Make data-driven decisions with your AI coach
Cashflow Tracker
Wave
X
vs.
Cashflowy
Know what’s coming in and out instantly
AI Assistant
Wave
X
vs.
Cashflowy
Accurate, instant answers to all your money Qs
Accountant support
Wave
Starts at $249
vs.
Cashflowy
Meet with an account twice a year. Free of charge.
Team Access
Wave
Extra access only on Pro
vs.
Cashflowy
Unlimited
Plans
Wave
Tiered subscription model + add-ons
vs.
Cashflowy
One plan. Everything included. No add-ons.
Transaction categorization
Wave
Automated only on Pro
vs.
Cashflowy
Accurate, instant automated categorization
Bookkeeper
Wave
Suggests hiring one
($149 a month)
vs.
Cashflowy
You don’t need one
Wave makes sense if you…
- Are on a tight budget and don’t mind limited support
- Don’t mind doing manual categorization or learning accounting basics
- Want a free tool and are okay with paying for add-ons later
Cashflowy is built for you if you…
- Sell your time, services, or digital expertise
- Want to understand your finances without interpreting reports
- Are done with “free” tools that charges for upgrades
Hear from Our Cashflow-ers
“Cashflowy is by far the most user-friendly solution.”
Lana Shlafer
“Cashflowy is saving me $500/month in bookkeeping costs and provides a better experience.”
Galen Wood
“Cashflowy is simple and straightforward, making bookkeeping easy.”
Katherine Pomerantz
