Wave Financial is a free financial management platform designed for small businesses, freelancers, and entrepreneurs. It provides an easy-to-use suite of tools that includes accounting, invoicing, payments, payroll, and receipt scanning.

With its intuitive interface, users can track income and expenses, create professional invoices, and accept online payments without needing advanced financial knowledge.

Wave stands out because its accounting and invoicing tools are completely free, making it especially attractive for startups and small teams with limited budgets. Paid features include payroll services and credit card processing, giving businesses flexibility to grow at their own pace.